topic Affinity FCU in Personal Finance

Affinity FCU

recoveringfrombk7 — Sun, 17 May 2020 01:36:19 GMT

Joined another CU tonight for additional penny storage. So far not a HP. They have 2% on savings up to 2499$. Certainly not the highest out there, but I work in a region that qualifies me for membership eligibility, so I figured why not.

Once I max out the Service CU Christmas Club in the next few months I'll need a new place to send additional funds. Seems like I'd eventually end up here anyhow. I'll probably initially use it as a place to store the pennies I make off the other CUs for now.

Re: Affinity FCU

Anonymous — Sun, 17 May 2020 02:57:49 GMT

They denied me for 'limited credit experience' - my profile is 1yr 8mos.

Re: Affinity FCU

Anonymous — Mon, 18 May 2020 21:00:46 GMT

@recoveringfrombk7 wrote:
Joined another CU tonight for additional penny storage. So far not a HP. They have 2% on savings up to 2499$. Certainly not the highest out there, but I work in a region that qualifies me for membership eligibility, so I figured why not.

Once I max out the Service CU Christmas Club in the next few months I'll need a new place to send additional funds. Seems like I'd eventually end up here anyhow. I'll probably initially use it as a place to store the pennies I make off the other CUs for now.

Did you see the cashback credit card they have? it's actually a pretty sweet deal... they seem to be geo-fenced as everyone I know that is outside that area is now being denied membership. However... you're in, you should check it out. In addition to the regular cashback, they have rotating 5% categories... they call it hi 5, you find the info under the general credit cards tab.

Re: Affinity FCU

ChazzieT — Mon, 18 May 2020 21:07:19 GMT

@Anonymous wrote:
... they seem to be geo-fenced as everyone I know that is outside that area is now being denied membership.

Yes, you can join Affinity!

There are 4 paths to membership. You are eligible to apply if you meet at least ONE of the following:

You live, work, worship or go to school in select New Jersey or Connecticut communities
- New Jersey - parts of Edison, Franklin Township (Somerset County), New Brunswick, North Brunswick, Piscataway
- Connecticut - all of Norwalk, Darien, New Canaan, Weston, Westport, Wilton
You're employed by (or affiliated with) one of our partner organizations. Check the list.
Another member of your family or household is an existing Affinity member.
You make a $5 donation to support financial literacy and become a member of the New Jersey Coalition for Financial Education (NJCFE) or Connecticut Jump$tart. (Your donation will be processed as part of your membership application)

Re: Affinity FCU

Anonymous — Tue, 19 May 2020 01:44:26 GMT

@ChazzieT wrote:
@Anonymous wrote:
... they seem to be geo-fenced as everyone I know that is outside that area is now being denied membership.
Yes, you can join Affinity!
There are 4 paths to membership. You are eligible to apply if you meet at least ONE of the following:
You live, work, worship or go to school in select New Jersey or Connecticut communities
New Jersey - parts of Edison, Franklin Township (Somerset County), New Brunswick, North Brunswick, Piscataway
Connecticut - all of Norwalk, Darien, New Canaan, Weston, Westport, Wilton
You're employed by (or affiliated with) one of our partner organizations. Check the list.
Another member of your family or household is an existing Affinity member.
You make a $5 donation to support financial literacy and become a member of the New Jersey Coalition for Financial Education (NJCFE) or Connecticut Jump$tart. (Your donation will be processed as part of your membership application)

I know, that's how I joined. But they originally denied my application. They have also denied several people on DOC. I pushed back, and since I work for the CU Assn, I knew who to talk to and how to get it rectified... but it sure looks like they are trying to limit their membership and risk to their geographic service area.

Re: Affinity FCU

creditfan — Wed, 20 May 2020 01:34:04 GMT

@Anonymous wrote:
@recoveringfrombk7 wrote:
Joined another CU tonight for additional penny storage. So far not a HP. They have 2% on savings up to 2499$. Certainly not the highest out there, but I work in a region that qualifies me for membership eligibility, so I figured why not.

Once I max out the Service CU Christmas Club in the next few months I'll need a new place to send additional funds. Seems like I'd eventually end up here anyhow. I'll probably initially use it as a place to store the pennies I make off the other CUs for now.
Did you see the cashback credit card they have? it's actually a pretty sweet deal... they seem to be geo-fenced as everyone I know that is outside that area is now being denied membership. However... you're in, you should check it out. In addition to the regular cashback, they have rotating 5% categories... they call it hi 5, you find the info under the general credit cards tab.

I believe I just got membership denied for the same reason even I donated $5 to the site they indicated during application process

Re: Affinity FCU

recoveringfrombk7 — Wed, 20 May 2020 13:40:05 GMT

@Anonymous wrote:
@recoveringfrombk7 wrote:
Joined another CU tonight for additional penny storage. So far not a HP. They have 2% on savings up to 2499$. Certainly not the highest out there, but I work in a region that qualifies me for membership eligibility, so I figured why not.

Once I max out the Service CU Christmas Club in the next few months I'll need a new place to send additional funds. Seems like I'd eventually end up here anyhow. I'll probably initially use it as a place to store the pennies I make off the other CUs for now.
Did you see the cashback credit card they have? it's actually a pretty sweet deal... they seem to be geo-fenced as everyone I know that is outside that area is now being denied membership. However... you're in, you should check it out. In addition to the regular cashback, they have rotating 5% categories... they call it hi 5, you find the info under the general credit cards tab.

Thanks for the heads up I'll check it out. I work in NJ and qualified that way, so I think that's why it went so smoothly.