Affinity Plus Federal Credit Union

In the charming city of Winona, Affinity Plus at 120 E 2nd St is your friendly neighborhood credit union dedicated to supporting your financial goals with personalized care. Whether you’re looking for some of the best auto loans to drive your dream car or interested in low mortgage rates to buy or refinance your home, this branch offers tailored solutions designed around your unique needs. With lobby hours Monday through Friday from 9 a.m. to 5 p.m. and Saturdays from 8 a.m. to noon, plus convenient drive-thru banking Monday through Friday and Saturday mornings, managing your money is simple and stress-free.
At Affinity Plus Winona, members enjoy a broad range of services including personal checking and savings accounts crafted for everyday use, credit cards with rewarding perks, and business banking options like merchant services and business loans to help local entrepreneurs thrive. Need quick cash? The on-site ATM and drive-thru make withdrawals and balance checks hassle-free. Backed by over $4.2 billion in assets and serving nearly 274,000 members, Affinity Plus combines financial strength with genuine community focus.
Ready to explore top-tier vehicle financing or personalized mortgage solutions? Visit Affinity Plus Winona today or call 507-454-1593 to experience local service built just for you!

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
Home Equity
5-Year Fixed-Rate
5.49 % - 5.898 %
5 Yrs
$45,000
80 %
Home Solar Loan
5-Year Fixed-Rate
5.49 % - 5.898 %
5 Yrs
$45,000
80 %
Home Equity
10-Year Fixed-Rate
5.74 % - 5.957 %
10 Yrs
$45,000
80 %
Home Solar Loan
10-Year Fixed-Rate
5.74 % - 5.957 %
10 Yrs
$45,000
80 %
Home Equity
15-Year Fixed-Rate
6.24 % - 6.395 %
15 Yrs
$45,000
80 %
Home Solar Loan
15-Year Fixed-Rate
6.24 % - 6.395 %
15 Yrs
$45,000
80 %
Home Equity Line of Credit (HELOC)
Variable-Rate
6.75 % - 6.971 %
10 Yrs
$100,000
90 %
Home Improvement
5-Year Fixed-Rate
7.24 % - 7.655 %
5 Yrs
$70,000
Home Improvement
8-Year Fixed-Rate
7.74 % - 8.013 %
8 Yrs
$70,000
Home Improvement
10-Year Fixed-Rate
8.24 % - 8.468 %
10 Yrs
$70,000
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
ADJUSTABLE
5/6m ARM Adjustable-Rate, Conventional
5.375 %
5.498 %
5.0 Yrs
CONVENTIONAL
FIXED
8-Year Fixed-Rate, Conventional
5.5 %
5.868 %
8.0 Yrs
CONVENTIONAL
ADJUSTABLE
7/6m ARM Adjustable-Rate, Conventional
5.625 %
5.75 %
7.0 Yrs
CONVENTIONAL
FIXED
10-Year Fixed-Rate, Conventional
5.625 %
5.926 %
10.0 Yrs
CONVENTIONAL
FIXED
12-Year Fixed-Rate, Conventional
5.75 %
6.008 %
12.0 Yrs
CONVENTIONAL
FIXED
15-Year Fixed-Rate, Conventional
6.0 %
6.215 %
15.0 Yrs
CONVENTIONAL
FIXED
20-Year Fixed-Rate, Conventional
6.25 %
6.422 %
20.0 Yrs
CONVENTIONAL
FIXED
30-Year Fixed-Rate, Conventional
6.625 %
6.758 %
30.0 Yrs
VA
FIXED
15-Year VA Fixed-Rate, Conventional
6.125 %
6.227 %
15.0 Yrs
VA
FIXED
20-Year VA Fixed-Rate, Conventional
7.0 %
7.084 %
20.0 Yrs
VA
FIXED
30-Year VA Fixed-Rate, Conventional
7.125 %
7.19 %
30.0 Yrs
CONVENTIONAL
ADJUSTABLE
5/6m ARM Adjustable-Rate, Conventional
5.375 %
5.498 %
5.0 Yrs
CONVENTIONAL
ADJUSTABLE
7/6m ARM Adjustable-Rate, Conventional
5.625 %
5.75 %
7.0 Yrs
CONVENTIONAL
FIXED
20-Year Fixed-Rate, Conventional
6.25 %
6.422 %
20.0 Yrs
CONVENTIONAL
FIXED
30-Year Fixed-Rate, Conventional
6.625 %
6.758 %
30.0 Yrs
CONVENTIONAL
FIXED
30-Year 97% Purchase Fixed-Rate, Conventional
6.875 %
7.01 %
30.0 Yrs
JUMBO
FIXED
30-Year Jumbo Fixed-Rate
6.625 %
6.685 %
30.0 Yrs
VA
FIXED
15-Year VA Fixed-Rate, Conventional
6.125 %
6.227 %
15.0 Yrs
VA
FIXED
20-Year VA Fixed-Rate, Conventional
7.0 %
7.084 %
20.0 Yrs
VA
FIXED
30-Year VA Fixed-Rate, Conventional
7.125 %
7.19 %
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Credit builder loan
6 %
0.5 - 1.5 Yrs
$1,000
Solar loan
8.24 - 9.74 %
5 - 15 Yrs
$20,000
Bicycle loan
8.49 - 8.99 %
1 - 3 Yrs
Homeowner personal loan
9.99 - 10.99 %
6 Yrs
$20,000
Holiday loan
10.24 %
0.8 Yrs
$2,500
Homeowner debt consolidation
10.74 %
5 Yrs
$20,000
Personal unsecured
11.24 - 12.24 %
3 - 5 Yrs
Personal line of credit
14.99 %
10 Yrs
student_loans

Student Loans

Program Name
APR
Term
Link
Student Loan Refinance
6.24 % - 7.24 %
5 Yrs - 15 Yrs
Student Loan Refinance
8 % - 9 %
5 Yrs - 15 Yrs
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
NEW AUTO (2024–2025)
4.74 %
3 Yrs
Auto
NEW AUTO (2024–2025)
4.74 %
4 Yrs
Auto
NEW AUTO (2024–2025)
4.99 %
5 Yrs
Auto
NEW AUTO (2024–2025)
5.24 %
6 Yrs
Auto
NEW AUTO (2024–2025)
5.74 %
7 Yrs

Introduction

Welcome to Affinity Plus, your trusted partner in financial well-being, located at 120 E 2Nd St, Winona, MN 55987. Since our establishment in 1934, we have dedicated ourselves to serving the community with reliable and personalized banking solutions. With a total membership of 273,913, we pride ourselves on being more than just a credit union; we're a community that cares. At Affinity Plus, we understand that financial needs vary from person to person. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking options. With total assets exceeding $4.2 billion and total deposits amounting to $305,507,608, our solid financial foundation allows us to support our members effectively. Our CEO, Dave Larson, along with Board President Robyn Cousin, lead a dedicated team of 608 employees committed to providing you with exceptional service. Whether you visit us in person or connect through online banking at affinityplus.org, we're here to help you navigate your financial journey. For any official correspondence, please note that while members can visit us at our branch address, all mailing should be directed to 120 E 2nd Street, Winona, MN 55987. Join us today and experience the difference of being part of a credit union that puts its members first! For questions or assistance, feel free to call us at 507-454-1593. We look forward to serving you!

Branch History & Mission

Affinity Plus has a rich legacy that began in 1934, rooted in the belief that everyone deserves access to financial services. Located at 120 E 2nd St, Winona, MN 55987, our branch is not just a place to manage money; it's a community hub where relationships are built and dreams take shape. Over the years, we have grown from our humble beginnings into a thriving credit union with a total membership of 273,913 and total assets reaching an impressive $4,228,683,848. Our mission at Affinity Plus is simple yet powerful: we strive to provide exceptional financial services while uplifting our community. This commitment goes beyond just banking; it includes supporting local initiatives and fostering economic growth. We believe in empowering our members with the tools they need for financial success, whether it's through personal banking options like checking accounts and auto loans or business banking services. While members can visit us at our branch location in Winona, official correspondence should be sent to our mailing address at 120 E 2nd Street, Winona, MN 55987. Our operating hours are designed to meet your needs: the lobby is open Monday through Friday from 9 AM to 5 PM and on Saturday from 8 AM to 12 PM. For those who prefer drive-thru service, we're available Monday through Thursday from 8 AM to 5 PM and Friday until 5:30 PM. We take pride in offering modern conveniences such as ATM availability and online banking services. With digital advancements like mobile payments and e-statements, managing your finances has never been easier. Furthermore, we ensure that our facilities are accessible to all members of the community. Partnerships with local organizations allow us to engage in meaningful outreach efforts that strengthen our community ties. Whether it's sponsoring local events or providing financial education workshops, we aim to make a positive impact every day. As we look forward to the future, we invite you to join us at Affinity Plus. Experience the difference of being part of a credit union that puts people first. Together, we can build a better tomorrow for ourselves and our community. For more information on becoming a member or the services we offer, please call us at 507-454-1593 or visit our website at Affinity Plus.

Branch Location & Accessibility

Welcome to Affinity Plus in beautiful Winona, MN! Located at 120 E 2Nd St, our branch is not just a place to bank it's a welcoming hub for the community. With easy access right off main roads, you'll find us conveniently situated near local landmarks like the historic Winona County Courthouse and Riverside Park, making it simple to stop by while you're out and about. At Affinity Plus, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and accessible parking spots to ensure everyone can enjoy our services without hassle. If you prefer to drive through, our drive-thru banking is available for quick deposits and withdrawals. We understand that your time is valuable. That's why we offer flexible operating hours to accommodate your busy schedule. Our lobby is open Monday through Friday from 9 AM to 5 PM, with extended hours on Friday until 5:30 PM. On Saturdays, you can visit us from 8 AM to 12 PM. Whether you're stopping in during your lunch break or on a Saturday morning errand run, we're here when you need us! For those who prefer ATM services, rest assured that we have an ATM available for your convenience. You can make cash withdrawals or check your balance anytime without stepping inside. While members can visit us at 120 E 2Nd St, official correspondence should be sent to the same address as our mailing address: 120 E 2nd Street, Winona, MN 55987. If you have questions or need assistance, don't hesitate to reach out! Call us at 507-454-1593 our friendly team is always ready to help. We invite you to come in and experience the community-focused banking services at Affinity Plus. We look forward to seeing you soon!

Member Eligibility

At Affinity Plus, we believe that everyone deserves a chance to be part of a supportive community that puts your financial well-being first. Becoming a member is simple and welcoming! If you live, work, or attend school in the area, or if you have a family member who is already a member, you're likely eligible to join us. This means that whether you're just starting out on your financial journey or looking for ways to improve it, we're here to help you every step of the way. Joining Affinity Plus comes with fantastic benefits like personalized service and access to a wide range of financial products tailored just for you. Our friendly team at our location in Winona, at 120 E 2Nd St Winona Mn 55987, is ready to assist you with any questions you might have about eligibility or the account opening process. To find out more about how easy it is to become a member, check out our detailed eligibility criteria at http://www.affinityplus.org/membership/become-a-member. If you're ready to take the next step or need assistance, feel free to call us at (507) 454-1593! We look forward to welcoming you into our community.

Business Banking & Commercial Services

Commercial Loans that Drive Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $450 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $66,167,419, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Easy

Imagine having the tools to accept payments anytime, anywhere. Our merchant services make it simple for you to streamline your transactions, whether you're at a bustling market or managing a brick-and-mortar store. From credit card processing to mobile payment options, we help you stay connected with your customers. Visit us at 120 E 2Nd St Winona Mn 55987, Winona, MN or call us at (507) 454-1593 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Business Banking

For our business members, we offer essential banking services including merchant services and business loans. Whether you're just starting out or looking to grow an established business, our tailored solutions support every stage of your entrepreneurial journey.

Credit Cards

Looking for rewards while making everyday purchases? Our credit cards come with great benefits like cashback and travel rewards. They're perfect for those who want to earn while they spend without worrying about high-interest rates.

Digital Services

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking platforms that allow you to manage your finances on-the-go. Need cash? Our ATMs provide easy access for withdrawals and balance checks without any hassle.

Drive-Thru & ATM Services

For quick transactions like deposits or withdrawals, take advantage of our drive-thru banking services or use one of our ATMs conveniently located near you. At Affinity Plus, we strive to make banking simple and accessible for everyone in Winona and surrounding areas. If you have any questions about our services or wish to learn more about how we can assist you financially, don't hesitate to give us a call at 507-454-1593 or visit us today! We're here for all your financial needs!

Home Loans

Thinking about buying a home? Our mortgage loans and refinancing options make homeownership more accessible. We'll guide you through the process, ensuring that you understand each step along the way. From first-time buyers to those looking to refinance their existing mortgages, we're here to help turn your dream of owning a home into reality.

Personal Banking

Our personal banking options include checking and savings accounts that cater to different lifestyles and financial needs. Imagine having a checking account that not only keeps your funds secure but also helps you manage your spending effortlessly. With our online and mobile banking features, you can check your balances, transfer money, and pay bills right from your smartphone.

Personal Loans

Life can throw unexpected expenses your way. Our personal loans and debt consolidation services provide financial relief when you need it most. Whether it's for medical bills, home repairs, or consolidating credit card debt into one manageable payment, our team is ready to assist you in finding the best solution.

Vehicle Financing

When it comes to financing a vehicle, our auto loans are competitive and flexible. We understand that purchasing a car is a big decision. That's why we offer personalized financing solutions that fit your budget. You can apply for an auto loan easily online or visit us at the branch to discuss options with our friendly staff.

Digital & Online Banking

At Affinity Plus, we understand that managing your finances should be as easy as possible. That's why we offer a range of digital and online banking services designed to give you convenience and peace of mind, all while ensuring your personal information remains secure. With our 24/7 Online Banking Services, you can access your accounts anytime, anywhere. Whether you're checking your balance or transferring funds, it's all just a click away at https://www.affinityplus.org. Plus, our Mobile Application makes it even simpler to manage your money on the go. You can deposit checks, pay bills, and view your transaction history right from your smartphone. Security is a top priority for us. That's why we provide Electronic Signature Authorization for certain transactions, allowing you to sign documents securely online without the need for paper forms. And if you prefer going green, our E-Statements Availability lets you receive your account statements electronically, reducing clutter and keeping everything organized. Need to send money quickly? Our Person-to-Person Transfers feature allows you to easily send funds to friends or family members without any hassle. Plus, with our Mobile Payments Feature, paying for everyday purchases has never been easier; simply tap your phone at checkout. At Affinity Plus, we aim to make banking not just accessible but also user-friendly. With features that put you in control of your finances, managing your money has never felt more straightforward. Experience the ease of modern banking today!

Financial Strength

At Affinity Plus, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With robust financial health and commitment to our community, we are dedicated to supporting your financial journey with confidence. With a net worth of $373,830,407, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $881 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $818,082,743 in share certificates and $949,625,409 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $23,813,289, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $345,949,658 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is strong as evidenced by $53,938 in used auto loans and $3,625,652,728 in total loans and leases. This supports members' financial goals across various sectors. Our operational efficiency shines through with a net income of $13,526,864, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 595 full-time employees and 13 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $1,104,453. Total Share and Deposit Accounts: 662,042, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Affinity Plus is your trusted partner. Visit us at 120 E 2Nd St Winona Mn 55987 or call (507) 454-1593 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $760,512,766 in used vehicle loans and $197,848,114 in new vehicle loans already helping members get on the road. We ensure an easy application process and competitive rates to get you behind the wheel quickly.

Business Financing

For business owners, our outstanding commercial loans totaling $66,167,419 provide the capital needed to grow and expand. We know that running a business comes with its own set of challenges and opportunities; thus, we're here to support your entrepreneurial journey.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $524,421,462, make buying or refinancing simple. We provide guidance through every step of the process so you can feel confident making such an important investment.

Refinancing Options

If you're considering refinancing any of your existing loans or credit lines for better rates or terms, we have options available that could save you money. Speak with our team at Affinity Plus about how refinancing could benefit you. We invite you to visit us at our branch located at 120 E 2Nd St Winona MN 55987, or give us a call at 507-454-1593 for more information on our loan offerings. Our knowledgeable staff is ready to assist you in finding the right loan product for your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore your options today and see how Affinity Plus can help pave the way for your financial success!

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $248,986,247 in loans helping members manage their finances effectively. Whether it's unexpected costs or planned purchases, our credit card options are designed for convenience and flexibility.

Loan Aggregator

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