I'm extremely disappointed with how Affinity Plus handled a recent dispute. I had a package marked as "delivered," but I never actually received it. It was left in an unsecured location and was likely stolen. When I filed a dispute, I was told that because the carrier showed delivery confirmation, the merchant was not liable and the case would not be covered. The issue is that I never took possession of the item. A package being dropped off does not mean it was received. Other financial institutions recognize this and still work with their customers under "item not received" protections, but Affinity Plus chose not to. Instead of advocating for their member, they took a very strict and dismissive stance, offering no real resolution beyond telling me to contact the carrier. This left me without the product and without my money. I expected better support and customer protection from my bank. Based on this experience, I would strongly recommend others understand how disputes are handled here before relying on them in situations like this. read more

I have been with this credit union for almost 30 years and they have helped me in so many parts of my life. I highly recommend this business. They have always been personable, and very helpful. read more

Apparently they don't allow black people to deposit third party checks. I've deposited third party checks at least 5 other times from the same person, one was for 8k, but when the check is for 10k they don't allow It anymore and it's their policy to not accept them all of a sudden. They wouldn't even allow me to deposit it and put a hold on it. Funny thing is the checks are from a millionaire business owner and I've done it multiple times before. One person even said they'll cash out 3k and put a hold on the other 7 but then Wendy in Roseville said that's not happening. She said at first they would put it on a hold and came back a few minutes later and said I can't deposit it at all. Weird. She then put notes in my account telling other branches not to deposit the check. I wonder why that was? I've deposited third party checks there 5 other times from the same person, for thousands of dollars, and they all cleared. I guess Wendy, the manager in Roseville, isn't too fond of black people having thousands of dollars in their accounts. read more

For over 12 years, I enjoyed Affinity Plus. I never thought in my wildest dreams that they would end up doing what they have done. While living in Minnesota, I started banking with Affinity Plus as soon as I became an adult. I moved to Florida over two years ago but kept my accounts with Affinity because they were perfect in my eyes. Even being inconvenienced by them not having a location down here, it didn't matter because I wasn't going anywhere. Well, as you know, Florida was hit with back-to-back hurricanes. It affected my work, so I called Affinity to get some assistance with my car loan. It was no surprise that they accommodated my request. No payments for 3 months. I was very thankful for this. Fast forward a while, when it was time to make a payment, I contacted Affinity. I was told that I needed to make a payment by a certain date. Since there wasn't any money in the account, I then needed to deposit funds (Remember, I live in FL). I asked how else I could make a payment. I was informed that I can do Bill Pay. But I needed to sign an electronic form in order for them to be allowed to accept the bill pay. To me, this was already getting out of hand and frustrating because I simply wanted to make a payment. The lady verified my email and said once I receive and sign it, I will be good to go. I NEVER GOT AN EMAIL. Days go by and NOTHING. Then BAM...I got an alert that I have a late payment on my credit report. I immediately called Affinity Plus and asked them what was going on. I spoke with Matthew, who was apologetic but also said, "You didn't sign the paperwork, so a payment wasn't made." I said, "I never received anything to sign." He then asked for me to verify my email address, and he said that it was the wrong email address. Matthew then says something that truly made me frustrated. He said, "I'm not sure why the lady didn't tell you that you could make the car payment with your debit card instead of waiting to setup Bill Pay which takes a while anyways."... I couldn't believe my ears. It then gets escalated to his supervisor, Sabrina. Sabrina doesn't immediately take the call but instead calls me back two days later. These were Sabrina's words as soon as I answered, "I'm sorry for the situation, but there's no mistake on Affinity's end; there's nothing we can do." I said, "Sabrina, you guys never sent me an email, and I was also not told I could make a payment by card, or else I would have." Sabrina - "I listened to the call. You didn't ask to make the payment by card." Me: " Since I'm the customer, how is it my responsibility to suggest how I can do things?" This was going nowhere, so I simply asked, "Sabrina, will you guys be correcting my credit report or not? I was calling you guys to make the payment, but you guys didn't execute, and now I'm at fault for it. Sabrina - "No, we will not be correcting your report." I loved this bank. I bought my first car with it. When I got married, my wife and I opened a joint account at this bank. When I started real estate investing, I made my first deposit into this bank when I sold a home. So many memories went down the drain because this bank doesn't take accountability for these actions. Goodbye Affinity Plus read more

VERY DISAPOINTED!!! My husband and i came to this bank today Wed 25th Oct at 3:30pm and we know they close at 4, so we thought we had 30mins which is enough for open a checking account for me. She refused and said that they closed at 4. I questioned her it was still working hour and she said it took about 30mins to open a checking account so why i could not do that today? And she said because she had other appointments now but honestly nobody were waiting in line at that time. We were the last people today and nobody else after that. But it was okay for me if she said so. The point i was suprised here in US was the service. To be honest, in Asia their service is brilliant i have to admit. When i came in, there would be securities standing at the door in EVERY BANKS to open the door for me and he would ask what service i wanted to do and gave me the guidance which tables or lines i should wait for with a waiting number. my number would show up on a digital board together matching with the line number so i know exactly where i should go to for the service. Secondly, they never say no to customers. Even they are very busy they would ask someone to come and help. And even they already finish their working shift, they would try to stay back a bit to do the service because one more account open means one more sale for that day that helps them hit their monthly target sooner for the sales bonus/incentive. Customers in my country are always encouraged to fill in the feedback form secretly to make sure the Board of director know how the service going in every branches. read more

Kimberly Oustad... where do I begin. AMAZING! She has gone overboard helping me in every way. From motorcycle loans, to car loans, personal loans, credit builder loans, credit cards even. She is amazing. No she is not the CEO so please don't just pile her with requests, but she answered so many questions and helped me out in so many ways. I am 26 years old and just opened my first line of credit roughly 4 months ago, I am above a 7.00 score already.. in less then 4 months! Kim is honest, straightforward, and so helpful. Honestly.. I hate banks/credit unions and so forth but she actually made my experience enjoyable and she explained the processes in ways even I can understand. Heck she even wished me a happy birthday!! If you are interested in a credit union or a bank, something new. Go to affinity plus and ask for Kimberly Oustad. I promise you will NOT regret it. She is the best person I have ever worked with that's including places like capital, wells, meta, US, wings, and so on. read more

Not sure why I haven't switched banks yet, the customer service for tellers has gone down the drain. I've had numerous incident with tellers giving me attitude because my transactions were too much or too difficult. I'm going to explain my most recent experience that drove me off edge to write this review. I know I have complicated transactions, so I made sure to write out the details for the teller. I needed a cash withdrawal, part of that withdrawal was going to be deposited into my business account. So on the withdrawal slip I wrote out how I wanted the cash, in big bills. Then in my money bag, I had additional cash and a deposit slip so that it would not be confusing. On the deposit slip I attached a post it note, to deposit the cash in the bag along with part of my withdrawal from my personal account. Now the teller checks with me, she didn't understand so I explained to her what I needed. She the shuts the camera off (RUDE). At this point I knew my transaction was not going to be correct. And behold! when she sent my stuff back, the amount deposited and withdrawn was incorrect. So I sent it back and she had the AUDACITY to blame me. She said there's a deposit and a withdraw side... ok I sent two slips both filled out correctly. She went on about how it was basically my fault. So then I asked if it would be easier for her to do one transaction at a time? Ridiculous, I have family and friends in the banking industry and I know they hate it when people send in multiple transaction separately as if they didn't know how to do their job. In this case this teller really did not know what she was doing. Then she told me it would be easier to do a transfer, and this is not the first time a teller has told me this. I know I can do I transfer, but I need it to show a cash deposit! it's really frustrating and rude read more

Worst bank I have every dealt with. Bunch of scam artist trying to charge me four thousand dollars for insurance on my loan when I have provided proof of insurance 5 plus times. Funny how their slogan says not for profit for the people What a joke!!!! DO NOT BANK HERE!!! read more

I am so happy to be a member of the credit union. Big banks SUCK. They are in it for the profit. The credit union is in it for its members. As their slogan goes, "People, Not Profiit." This location is Affinity's main office. The same friendly, can-do service provided here is also available at their branch offices. This location is nice because they have a speedy drive through lane and lots of staff on hand to answer questions. read more

Long waits and poor member service are the norm here. I made an 'appointment' to see someone about an auto loan. After waiting about 20 minutes after my appointment time I finally saw someone who pre approved me for my loan. They told me that once I found the car that I wanted to bring in the purchase order and they would cut the check to the dealer. I took a day off of work without pay and went to the dealer where I had located the vehicle that I wanted. I drove the purchase order to the branch to get the check (waiting another 30 minutes or so) and finally saw someone who said I was not pre approves after all. So no check. Since my old car had died and I couldn't afford to take another day off work I ended up getting the financing through the dealer. Not once did someone apologize for giving me incorrect information. I would avoid this place unless you enjoy poor customer service and waiting in chairs. read more

I've been a member with Affinity Plus for over two years now and I haven't yet had a bad experience. The tellers, as well as loan representatives, are very personable and very responsive to member needs/inquiries. I am moving out to the suburbs where there are no Affinity branches which is a bummer but the e-deposit through their mobile app is slick & comes fee-free! My one (and only) gripe is that their lobby isn't open longer hours. Even if it was just until 6pm on weekdays I'd be ok with that. Sometimes I need to see a teller rather than going through drive-up or the ATM (i.e. quarters to feed to my apartments washing machines...) but I can NEVER get in to see them since they are only open the exact hours that I work. *sad face* read more

Member since 2013. Overall I am very happy with them. Thanks to the online banking, mobile app, web chat and bill pay I literally step foot in the branch maybe 3 times a year. The people are always helpful, polite and friendly. I have had a few issues in the last three years but the bank handled the problems each time very well. I have tried TCF and US bank in the past and will never go back to a "BIG" bank. read more

We refinanced a mortgage away from a "too big to fail" bank (which constantly lost our paperwork and wanted to charge us for their mistakes), to Affinity Plus Federal Credit Union. 1) Their closing costs were very low. (They're higher now, but they're still pretty low.) 2) We secured a good interest rate. 3) One Affinity Plus employee personally guided us every step of the way, from the first online chat through closing. She consulted colleagues for their expertise whenever we had difficult questions. However, she never handed us off to someone else. 4) Affinity Plus Federal Credit Union services its own mortgage loans. This means our mortgage servicing comes with the same diligent care from one attentive, easy-to-reach person that we received during the loan application process. We can't begin to describe how delighted we are with the way Affinity Plus does business. read more

They have the most incompetent people working in mortgage loans. We've been with Affinity Plus CU for 10yrs. We decided to do our mortgage through them and they screwed up on our loan so bad and decided to denied us at the last minute a day before closing. The sellers closer tried calling them to see why our application was denied and no one there can give a reason why. We even escalated this to upper management and yet nothing was done. They claim your a member yet treat you like crap. I have since moved everything out of that bank. read more

Endless numbers of issues with this bank over car payments. Every month is dilemma. Although I make my payments religiously and on time, in the last two weeks I have been told my car was FOUR MONTHS BEHIND then TWO MONTHS BEHIND. Endless numbers of phone calls to straighten it out with nothing but incompetence on AFFINITY PLUS's end! Member advisor, Rachael Shern was possibly the most UN-educated and UN-professional person I have ever dealt with...IN MY LIFE. Finally got this straightened out after talking with someone who seemed to have half a brain,yet there is now a ding on my credit report that Affinity Plus refuses to acknowledge. Try and get someone to call you back? Good luck! They are too busy trying to create a "wholesome community image" for themselves than actually working for their members. Filing with the better business bureau today! read more

Worst bank in the world. Dishonest. Take at least 10 min every single time I go to drive thru! They say the same lie every time about how they are having computer problems... Really! Enough lying already! It's so blatantly obvious that you are checking out my bank history or worse who knows! Pretty dead give away when I'm the only person who is sitting in the drive as everyone else comes and goes! Total creepers! Liars. Don't bank here! read more

They need to change their cute slogan to "Only Certain Type of People, Not Profit". I attempted to open a new account about 6 months ago. I opened it by telephone by a very helpful and professional member of their team. Things fell apart when I went to their Lakeville, Minnesota branch to sign the paperwork and make a deposit. Apparently, one of their "veteran" associates determined I was gay, inserted themselves into our conversation (she wasn't the one helping me) and stated, "we don't open accounts for people like you and your credit is horrible anyway". This was all done in the middle of the bank for everyone to hear (my mother who was with me was smart enough to get a few names of those who now knew my personal business). I'm in the process of working through GLAAD and the Human Rights Campaign. I really wanted this all to simply go (I went to another Credit Union who welcomed me with open arms) away but why not stand up for equal rights for everyone. Bad business Affinity. read more