Loans
New/Used Vehicle Loans
The Credit Union offers the same great rates on both new and used vehicle loans. In addition, members signing up for payroll deduction as their method of payment receive a .25% discount on their loan rate. Individual rates are based on credit history. We also make loans for recreational vehicles, offering a variety of terms and rates.
Home Mortgages
Affinia offers home lending solutions designed for you. Choose from a variety of loan options including 10 - 30 year fixed rate; jumbo and variable rate loans, as well as many other programs. There is a $50 application fee. Click here for additional information and to apply.
Home Equity Loans
A personal line of credit secured by the available equity in your home. The interest rate is a variable rate subject to change on the first day of each calendar month, with a cap on the interest rate of 18%. The interest rate is as low as 1.00% below prime rate. There are no points or closing costs for this loan. The loan is an open-end agreement. There is a $150 application fee. There is no annual fee assessed to the account. (Ohio property only)
Golden Line Of Credit:
Our Golden Line of Credit combines overdraft checking account protection with a line of credit that is available to you whenever you need extra cash. So, not only are your checks covered automatically, you also have the peace of mind of knowing that your line of credit is there if you need it. The minimum Golden Line advance is $50.
Signature Loans
This is a term loan that requires no additional collateral. Use a signature loan to help consolidate high interest rate credit cards, pay off medical bills, help with tax expenses, or school expenses.
MasterCard:
Our credit card account offers a 25-day grace period and has NO ANNUAL FEE. You can view your Affinia MasterCard account online and even pay your bill online! Simply follow the link below, or go to www.ezcardinfo.com.
To add a security password to your MasterCard click on the MasterCard Secure Code logo below. When you get to the MasterCard Secure Code site, click on Affinia Federal Credit Union to register your card.
Overdraft Protection:
With overdraft protection, your checks are covered automatically from your savings account or your line of credit. Save money with no more "NSF" fees or charges from retailers for returned checks.
Share Secured Loan
Pledge Credit Union savings or certificates for your loan and reduce your interest rate while still earning dividends.
StretchPay Loan
Interested members who meet minimal qualifications can get a $250 loan and will have one month to pay it off. The interest rate will be 18% APR, which on a $250 loan will cost the member about $3 in one month’s time. In addition, there is a fee of $35 to use the program for one year.
