Affinity Plus Federal Credit Union

Affinity Plus Federal Credit Union is a non-profit organization that claims to put the customer first. Along with various personal and business loans, it makes available financial advice, community outreach, and investments and insurance.

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    How do Affinity Plus Federal Credit Union auto loans work?

    At Affinity Plus Federal Credit Union there are some great rates for short term loans.

    A new car at 36 months is only 2.24% APR, and a used car would be 2.49%.

    You can have a much longer term, all the way up to 84 months, but this will be 4.24% for both new and old autos.

    Credit score

    There’s no stated minimum credit score required, but as is often the case with credit unions, your interest rate can change depending on credit, and a very poor score may raise your rate significantly.

    How much can you borrow?

    When taking one of the best auto loans with Affinity Plus Federal Credit Union, you can cover the full retail price of a new vehicle.

    What types of vehicles are eligible for financing?

    Auto loans will cover most cars, SUVs, vans, and trucks. You can take loans for boats or RVs separately.

    How do I qualify?

    There are a number of ways in which you can qualify for membership, as follows:

    You're an employee or volunteer of any of these organizations:

    • State of Minnesota
    • University of Minnesota Twin Cities
    • Affinity Plus Federal Credit Union
    • Any organization that receives funding from the State of Minnesota (including, but not limited to, most schools, community colleges, private and public universities, nursing homes and hospitals, counties, cities, and non-profit groups)

    You’re a student or alumnus of the following schools:

    Any Minnesota State college and university

    • MN State community colleges
    • MN State technical colleges
    • Bemidji State University
    • Metropolitan State University
    • Minnesota State University, Mankato
    • Minnesota State University, Moorhead
    • Southwest Minnesota State University
    • St. Cloud State University
    • Winona State University

    University of Minnesota

    • Current students of Twin Cities campus only
    • Alumni currently paying dues to Alumni Association

    You live, work, or worship in the following cities:

    • Arden Hills
    • Minneapolis (Downtown)
    • Mounds View
    • New Brighton
    • Roseville
    • Shoreview
    • St. Anthony
    • St. Paul (Downtown)

    What documents do I need?

    When applying for your loan, you’ll be asked for some personal information and proof.

    Be prepared with your social security number, driver’s license and proof of address.

    What are the fees?

    There are no late fees explicitly stated on the site, but when taking out a loan you must always enquire.

    How long does the loan process take?

    The application form is simply laid out in five pages, so as long as you already know your relevant information, it should be quick and easy.

    How to apply for an auto loan?

    You must apply for this loan online, but there’s a customer service department you can call.

    What payment methods are supported?

    It’s possible to pay using your credit card or a bank transfer.

    Pros and Cons


    • GAP and MBP protection
    • Life protection and disability protection


    • Eligibility is quite strict.

    Is Affinity Plus Federal Credit Union right for you?

    Affinity Plus Federal is a community organization, and if you live locally and would like to support its charitable endeavors, signing up is painless and the rates are decent.

    However, due to the restrictive residency criteria, it’s likely you won’t qualify.

    If this is the case, you may be better off trying a provider such as My Auto Loan or Open Road, both of which offer no-obligation quotes and are available nationwide.