Affinity Bank, National Association is an FDIC insured institution headquartered at
3175 Highway 278, Covington, GA 30014.
It was founded in
1928 and has approximately $1 billion in assets. Customers can open an account at one of its 3 branches.
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.10% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.35% | $10,000 | Compare |
|
6 Mo CD
|
0.35% | $100,000 | Compare |
|
12 Mo CD
|
0.50% | $10,000 | Compare |
|
12 Mo CD
|
0.50% | $100,000 | Compare |
|
24 Mo CD
|
0.75% | $10,000 | Compare |
|
24 Mo CD
|
0.75% | $100,000 | Compare |
|
36 Mo CD
|
0.85% | $10,000 | Compare |
|
36 Mo CD
|
0.85% | $100,000 | Compare |
|
48 Mo CD
|
0.95% | $10,000 | Compare |
|
48 Mo CD
|
0.95% | $100,000 | Compare |
|
60 Mo CD
|
1.15% | $10,000 | Compare |
|
60 Mo CD
|
1.15% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.15% | $2,500 | Compare |
|
Money Market
|
0.15% | $10,000 | Compare |
|
Money Market
|
0.20% | $25,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.06% | $2,500 |
| Tap into your home's equity & access the funds you need with a HELOC | $0 |
|
Intro APR: 6.240 %
After Intro:6.240 % |
$0 |
Reliant Home Funding, Inc NMLS ID: 292473 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-12-22 |
Intro APR: 5.990 %
After Intro:7.000 % Intro Period: 12 months |
$25,000 |
|
Intro APR: 7.250 %
After Intro:7.250 % |
$25,000 |
Reliant Home Funding, Inc. NMLS ID: 292473 |
5.507% |
$1,792
Fees & Points
$4,737 Total
0.857 Pts ($2,742) $1,995 Fees |
| 5.736% |
$1,843
Fees & Points
$3,920 Total
0.914 Pts ($2,925) $995 Fees |
PenFed Credit Union NMLS ID: 401822 |
5.761% |
$1,843
Fees & Points
$4,795 Total
0.875 Pts ($2,800) $1,995 Fees |
Farmers Bank of Kansas City NMLS ID: 613839 |
5.764% |
$1,843
Fees & Points
$4,899 Total
0.941 Pts ($3,011) $1,888 Fees |
Rocket Mortgage NMLS ID: 3030 |
Fees & Points
Total
Pts ($0) $0 Fees |
Quicken Loans NMLS ID: 167283 |
Fees & Points
Total
Pts ($0) $0 Fees |
| FDIC Insured | Yes |
| FDIC Certificate | # 29510 |
| Date Established | 1928 |
| Assets | $ 924.94 million |
| Loans | $ 721.02 million |
| Deposits | $ 745.98 million |
| Capital | $ 113.20 million |
| ASSETS | |
| Cash & Balances due from depository institutions | $ 43.31 million |
| Interest-bearing balances | $ 37.22 million |
| Total securities | $ 63.89 million |
| Federal funds sold and reverse repurchase | $ 41.53 million |
| Net loans and leases | $ 721.02 million |
| Loan loss allowance | $ 8.58 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 18.03 million |
| All other assets | $ 25.76 million |
| Total Assets | $ 811.74 million |
| LIABILITIES | |
| Total deposits | $ 745.98 million |
| Interest-bearing deposits | $ 588.79 million |
| Deposits held in domestic offices | $ 745.98 million |
| % insured (estimated)" | 76.28% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 25.45 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 5.33 millionn |
| Total Liabilities | $ 811.74 million |
| Shareholders’ Equity | $ 113.20 million |
| INCOME AND EXPENSES | |
| Total Interest Income | $ 37.77 million |
| Total Interest Expense | $ 15.07 million |
| Net interest income | $ 22.69 million |
| Provision for loan and lease losses | $ 0.10 million |
| Total non interest income | $ 1.91 million |
| Total non interest expense | $ 16.30 million |
| Pre-tax Net Operating Income | $ 4.86 million |
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This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
Tax Rate: 30%
All calculations are for demonstration purposes only."
| Year | Rate 0.10% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 50 | 35 |
| 2 | 50,050 | 50 | 35 |
| 3 | 50,100 | 50 | 35 |
| 4 | 50,150 | 50 | 35 |
| 5 | 50,200 | 50 | 35 |
| 6 | 50,251 | 50 | 35 |
| 7 | 50,301 | 50 | 35 |
| 8 | 50,351 | 50 | 35 |
| 9 | 50,401 | 50 | 35 |
| 10 | 50,452 | 50 | 35 |
| 11 | 50,502 | 51 | 35 |
| 12 | 50,553 | 51 | 35 |
| 13 | 50,603 | 51 | 35 |
| 14 | 50,654 | 51 | 35 |
| 15 | 50,705 | 51 | 35 |
| 16 | 50,755 | 51 | 36 |
| 17 | 50,806 | 51 | 36 |
| 18 | 50,857 | 51 | 36 |
| 19 | 50,908 | 51 | 36 |
| 20 | 50,959 | 51 | 36 |
| TOTAL | $1,010 | $707 |
| Year | Rate 3.75% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,875 | 1,313 |
| 2 | 51,875 | 1,945 | 1,362 |
| 3 | 53,820 | 2,018 | 1,413 |
| 4 | 55,839 | 2,094 | 1,466 |
| 5 | 57,933 | 2,172 | 1,521 |
| 6 | 60,105 | 2,254 | 1,578 |
| 7 | 62,359 | 2,338 | 1,637 |
| 8 | 64,697 | 2,426 | 1,698 |
| 9 | 67,124 | 2,517 | 1,762 |
| 10 | 69,641 | 2,612 | 1,828 |
| 11 | 72,252 | 2,709 | 1,897 |
| 12 | 74,962 | 2,811 | 1,968 |
| 13 | 77,773 | 2,916 | 2,042 |
| 14 | 80,689 | 3,026 | 2,118 |
| 15 | 83,715 | 3,139 | 2,198 |
| 16 | 86,854 | 3,257 | 2,280 |
| 17 | 90,111 | 3,379 | 2,365 |
| 18 | 93,491 | 3,506 | 2,454 |
| 19 | 96,996 | 3,637 | 2,546 |
| 20 | 100,634 | 3,774 | 2,642 |
| TOTAL | $54,408 | $38,085 |
JP
October 1, 2022 |
Very happy customer, but needs to be pointed out that 3.50% is the rate you will receive in November if you hit step goals in October. The rate for October is 2.50%. Not sure what interest rate a new customer would get for October if they sign up now, but they will get 3.50% in November if they sign up now and reach step goals.
wellden1
Feb 16, 2026
easy workaround - open account with minimum balance, download app, do your steps, fund your account at end of month. easy.