Business Details
Your Trusted Partner for Member-First Banking
We are a not-for-profit financial institution dedicated to putting members first through personalized service and community impact. Founded to empower members with better rates, fewer fees, and financial tools that prioritize people over profits, we offer a full range of banking solutions including checking, savings, loans, and investment products. Our commitment to financial wellness is reflected in free expert guidance, transparent fee structures, and a rewards program that benefits everyday spending.With branches across Minnesota and digital banking tools, we serve individuals, families, and businesses while reinvesting profits back into the community through the Affinity Plus FCU Plus Foundation. Our leadership team combines decades of experience in cooperative finance to deliver secure, member-owned banking that adapts to evolving needs.
Services
Business Checking
Personal Loans
Mortgage Refinancing
Credit Cards
Investment Products
Highlights and features
- We operate as a not-for-profit credit union returning profits to members
- Our financial wellness tools include free credit monitoring and budgeting resources
- MyPlus Rewards program automatically rewards everyday debit and credit card spending
- Transparent fee structures with no hidden costs across all products
- Community impact through the Affinity Plus FCU Plus Foundation's local initiatives
Associations and certifications
- NCUA
What people say
Member-first approach
Competitive rates
Financial education tools
Community impact
Transparent fees
Services
Business Checking
Our Business Checking accounts provide no monthly maintenance fees and rewards for businesses of all sizes. Members gain access to financial tools designed to boost credit scores and manage cash flow. The service includes digital banking features for expense tracking and budget management.
Personal Loans
We offer personal loans with competitive rates for debt consolidation, major purchases, or emergency expenses. Flexible terms and quick approval processes help members access funds when needed. Our financial advisors assist in determining optimal loan structures for individual needs.
Mortgage Refinancing
Our mortgage refinancing options help homeowners reduce rates, adjust loan terms, or access home equity. We provide personalized consultations to evaluate refinancing benefits and streamline the application process. Competitive rates reflect our commitment to making homeownership more affordable.
Credit Cards
We offer credit cards with cashback rewards, no annual fees, and fraud protection. Our Visa Premier Select Rewards card earns MyPlus points for everyday spending. Business credit cards include expense management tools tailored for company financial needs.
Investment Products
Our investment options range from conservative to aggressive portfolios for retirement and education savings. Services include IRA accounts, 529 plans, and personalized financial planning. Advisors help members align investments with long-term goals and risk tolerance.
People
Mariah
Member since 2017
Longtime member who values community-focused banking and personalized financial support through life's major moments.
Questions
What membership benefits does Affinity Plus FCU Plus offer?
Members receive better rates, fewer fees, and profit-sharing through our not-for-profit model.
How do I access digital banking services?
Download our mobile app or log in online for 24/7 account management and financial tools.
What loan products are available?
We offer mortgages, auto loans, business financing, student loans, and personal lines of credit.
How does the MyPlus Rewards program work?
Earn points automatically on debit and credit card purchases for gift cards, travel, and more.
What community initiatives do you support?
The Affinity Plus FCU Plus Foundation funds local charities and financial literacy programs across Minnesota.
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