--- title: "Affinity One Credit Union Rates - New York" description: "Current vehicle loan, heloc, and personal loan rates from Affinity One Credit Union in New York. Updated daily with source verification. See who can join Affinity One Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/affinity-one" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Affinity One Credit Union Rates - New York ### Auto & vehicle rates 15 offers | Product | Published | Rate | Term / condition | Status | | **24-Month New Auto Loan** auto_new_24mo | — APR | 3.990% | 24 mo · new | Standard | | **60-Month New Auto Loan** auto_new_60mo | — APR | 4.750% | 60 mo · new | Standard | | **24-Month Used Auto Loan** auto_used_24mo | — APR | 4.990% | 24 mo · used | Standard | | **Motorcycle, Boat & RV Loans (24 mo)** motorcycle_any_24mo | — APR | 4.990% | 24 mo | Standard | | **Motorcycle, Boat & RV Loans (36 mo)** motorcycle_any_36mo | — APR | 4.990% | 36 mo | Standard | | **Motorcycle, Boat & RV Loans (48 mo)** motorcycle_any_48mo | — APR | 4.990% | 48 mo | Standard | | **84-Month New Auto Loan** auto_new_84mo | — APR | 5.250% | 84 mo · new | Standard | | **60-Month Used Auto Loan** auto_used_60mo | — APR | 5.500% | 60 mo · used | Standard | | **84-Month Used Auto Loan** auto_used_84mo | — APR | 5.750% | 84 mo · used | Standard | | **Motorcycle, Boat & RV Loans (60 mo)** motorcycle_any_60mo | — APR | 6.750% | 60 mo | Standard | | **Motorcycle, Boat & RV Loans (61-72 mo (Minimum $20,000))** motorcycle_any_72mo | — APR | 7.000% | 72 mo | Standard | | **Motorcycle, Boat & RV Loans (85-96 mo (Minimum $35,000))** motorcycle_any_96mo | — APR | 7.250% | 96 mo | Standard | | **Motorcycle, Boat & RV Loans (73-84 mo (Minimum $30,000))** motorcycle_any_84mo | — APR | 7.250% | 84 mo | Standard | | **Motorcycle, Boat & RV Loans (97-108 mo (Minimum $40,000))** motorcycle_any_108mo | — APR | 7.500% | 108 mo | Standard | | **Motorcycle, Boat & RV Loans (109-120 mo (Minimum $50,000))** motorcycle_any_120mo | — APR | 7.750% | 120 mo | Standard | Affinity One Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan** heloc | — APR | 5.250% | — | Standard | Affinity One Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Signature Loan** personal_unsecured | — APR | 4.990% | — | Standard | Affinity One Credit Union personal loan rates as of November 12, 2026 Affinity One Credit Union is a credit union in New York. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/affinity-one) , verified from [Affinity One Credit Union's official website](https://www.affinityonefcu.org/) Loading branch locator… ## About Affinity One Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.3K Assets $45.6M Founded 1948 Locations reported 2 NCUA charter 5785 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Financial education Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Greater Chautauqua** Greater Chautauqua FCU · Jamestown · NY · 14701-4812 About 1.4 miles away](https://rateapi.dev/credit-unions/new-york/greater-chautauqua) [**Southern Chautauqua** Jamestown High School · Jamestown · NY · 14701 About 1.8 miles away](https://rateapi.dev/credit-unions/new-york/southern-chautauqua) [**Jamestown Area Community** JACFCU-Drive Thru · Jamestown · NY · 14701 About 1.9 miles away](https://rateapi.dev/credit-unions/new-york/jamestown-area-community) [**Greater Woodlawn** GREATER WOODLAWN FCU · LAKEWOOD · NY · 14750 About 2.6 miles away](https://rateapi.dev/credit-unions/new-york/greater-woodlawn) [**Centra** Jamestown, NY · Lakewood · NY · 14750-9772 About 5.3 miles away](https://rateapi.dev/credit-unions/indiana/centra) [**Inner Lakes** 21 Main Street · Bemus Point · NY · 14712-9303 About 8.8 miles away](https://rateapi.dev/credit-unions/new-york/inner-lakes) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Affinity One Credit Union Membership eligibility from Affinity One Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Affinity One Credit Union's website. Check the membership page below to confirm whether you qualify. - Location NY Verified from [Affinity One Credit Union's membership page](https://www.affinityonefcu.org/membership/) . Final membership determination is always made by the credit union. ## Membership rules for Affinity One Credit Union Geography 45 · Family 46 published paths to membership, last verified September 13, 2026, quoted from Affinity One Credit Union’s own published criteria. ### Geography 9 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Busti, NY - Ellicott, NY - Ellington, NY - Gerry, NY - Harmony, NY - Jamestown, NY - Kiantone, NY - North Harmony, NY - Poland, NY “Any persons who live, work, worship, or attend school in, as well as businesses and other legal entities located in our service area, and any immediate family of someone from an above qualifying group may join. A family is defined as: husband, wife, mother, father, brother, sister, child,…” > [source ↗](https://www.affinityonefcu.org/membership/) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Family of someone eligible husband, wife, parent, sibling, child, stepchild, grandchild, grandparent “Any persons who live, work, worship, or attend school in, as well as businesses and other legal entities located in our service area, and any immediate family of someone from an above qualifying group may join. A family is defined as: husband, wife, mother, father, brother, sister, child,…” > [source ↗](https://www.affinityonefcu.org/membership/) - Family member (husband, wife, parent, sibling, child, stepchild, grandchild, grandparent) of an eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Affinity One Credit Union? Yes No ## Work at Affinity One Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Affinity One Credit Union ranks against New York peers. - See which AI assistants fetched Affinity One Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=affinity-one&state=new-york&code=NY&name=Affinity%20One%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Affinity One Credit Union offer? Affinity One Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Affinity One Credit Union rates updated? RateAPI verifies Affinity One Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Affinity One Credit Union's rate data? Rate data is collected directly from Affinity One Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Affinity One Credit Union? Affinity One Credit Union publishes its membership criteria on its own website. RateAPI tracks 46 published membership paths covering 45 geographic areas for Affinity One Credit Union, each quoted from Affinity One Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Affinity One Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [New York HELOC rate leaders](https://rateapi.dev/heloc-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.affinityonefcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Affinity One Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Affinity One Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /affinity-one " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Affinity One Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/affinity-one Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp