Affinity Federal Credit Union Reviews

Affinity Federal Credit Union’s website indicates that its rate for a 30-year fixed-rate mortgage is 5.500% as of the time of publishing. For reference, the national average 30-year fixed-rate mortgage is 6.46%, according to Freddie Mac.

Affinity Federal Credit Union publishes its current rates for loans on its website. For the most accurate rates based on your individual situation, contact Affinity Federal Credit Union or get prequalified on its website.

Mortgage rates vary based on your credit history, the type of loan, the loan amount, your down payment and the loan term.

Affinity Federal Credit Union offers a variety of mortgage products, including HELOC and fixed-rate and adjustable-rate conventional mortgages. Affinity also provides jumbo and high-balance mortgages.

In addition to mortgage options, Affinity Federal Credit Union offers personal loans, debt consolidation loans and auto loans. The company also provides consultations for education, financial and retirement planning.

The maximum loan you can get with Affinity Federal Credit Union depends on the type of loan you apply for and your financial qualifications.

In most of the country, conforming loan limits in 2026 are $832,750 for single-unit properties. In Alaska and Hawaii, the limit is $1,249,125. Limits in high-cost counties in the other 48 states can be above $832,750 but are never higher than $1,249,125.

Below are the basic requirements borrowers must meet to take out a loan with Affinity Federal Credit Union.

Affinity Federal Credit Union minimum credit score

The minimum credit score requirement for a loan from Affinity Federal Credit Union depends on the type of loan you apply for:

• 620 for a HELOC loan
• 620 for a conventional loan

Even if you can’t meet these credit score requirements, you might be able to apply for a nonqualified mortgage through another lender. Note that this will likely result in a higher interest rate.

Affinity Federal Credit Union minimum down payment

The minimum down payment for Affinity Federal Credit Union depends on the loan type:

• 3% for a HELOC loan
• 3% for a conventional loan

Conventional loans typically require a higher credit score and down payment than you need for a government-backed mortgage, but individual cases may differ.

Affinity Federal Credit Union maximum debt-to-income ratio

Affinity Federal Credit Union recommends that all borrowers have a debt-to-income (DTI) ratio of no more than 45%. Affinity Federal Credit Union’s maximum DTI ratio depends on the loan type and your financial situation.

For reference, most lenders issue conventional loans to those with a DTI ratio below 36%, but some mortgage lenders and loan types allow for a DTI ratio of up to 45%. Some FHA-insured loans may even allow for a DTI ratio of up to 50%.

Affinity Federal Credit Union’s application can be completed online, by phone or in person. To apply online, you’ll need to complete an account. Affinity will then show you available rates for loans that you qualify for.

Be prepared to provide information and documentation about your income and assets so that Affinity Federal Credit Union can determine how much you can borrow. Once your application is approved, Affinity will guide you through the closing process.

Affinity Federal Credit Union application features

» LEARN: How to get a mortgage