Affinity Credit Union
This Page's Content Was Last Updated: July 21, 2026
Important Information
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Managing $8.2 billion in total assets, Affinity Credit Union stands as the #12 largest credit union in Canada. Our independent review breaks down Affinity Credit Union’s consumer offerings, deposit safety under the Credit Union Deposit Guarantee Corporation (CUDGC Saskatchewan), and competitive rates for Saskatchewan depositors and home buyers.
Jump to Section: Institution Overview•Mortgage Rates•GIC Rates•Financial Performance
Credit Union
Affinity
Affinity Credit Union is a credit union located in Saskatchewan. It was founded in 2005 through the merger of Saskatoon Credit Union and many rural Saskatchewan credit unions. It primarily serves Saskatoon and Regina.
Affinity Credit Union is one of Saskatchewan's largest credit unions, headquartered in Saskatoon and serving communities across the province. Formed in 2005 through the consolidation of Saskatchewan credit unions, Affinity operates as a member owned cooperative with a focus on local ownership and community reinvestment.
Affinity states that member deposits are reinvested and circulated in Saskatchewan through loans and mortgages that support individuals, families, farms, businesses, and communities. It offers personal and business banking, mortgages, loans, investments, and financial advice. Its subsidiary, Affinity Insurance, provides home, auto, business, and farm insurance services.
Affinity is also a member of the Global Alliance for Banking on Values, an international network of financial institutions focused on social, environmental, and economic impact through finance.
Provinces served
Number of Members (as of 2025): ~144,000
Affinity Mortgage Rates
The mortgage rates on this page were last updated on September 21, 2026 at 6:15 PM ET.
| Lender | Term | Insured down payment < 20% | Insurable home < $1M & amortization ≤ 25yr | Posted non-discounted rate |
|---|---|---|---|---|
| Affinity Credit Union | 6-Month Fixed | — | — | 6.09% |
| Affinity Credit Union | 1-Year Fixed | 4.84% | 4.84% | 5.84% |
| Affinity Credit Union | 2-Year Fixed | 4.29% | 4.29% | 5.94% |
| Affinity Credit Union | 3-Year Fixed | 3.99% | 3.99% | 6.05% |
| Affinity Credit Union | 4-Year Fixed | 3.99% | 3.99% | 6.09% |
| Affinity Credit Union | 5-Year Fixed | 3.99% | 3.99% | 6.09% |
| Affinity Credit Union | 7-Year Fixed | — | — | 6.29% |
* Rates are for informational purposes only and reflect the lowest rates available. Rates may change at any time and may be applicable only to certain borrowers. Terms and conditions apply. | ||||
Understanding Affinity Credit Union Mortgage Features
- Prepayment Privileges: Most credit unions in Saskatchewan allow members to make annual lump-sum prepayments (10%–20%) and payment increases without penalty.
- Early Termination Penalties: Breaking a fixed-rate mortgage early incurs an Interest Rate Differential (IRD) or 3 months' interest penalty. Variable mortgages typically carry a 3-month interest fee.
- Local Approval: Mortgages are underwritten locally, providing flexible solutions for self-employed buyers and unique property types.
Estimate your payments using WOWA's Mortgage Payment Calculator.
Affinity GIC Rates
The GIC rates on this page were last updated on September 21, 2026 at 5:44 PM ET.
| Term | Non-Registered Rate | Registered Rate |
|---|---|---|
| 1-Year | 2.50% | 2.50% |
| 2-Year | 2.65% | 2.65% |
| 3-Year | 2.80% | 2.80% |
| 4-Year | 2.90% | 2.90% |
| 5-Year | 3.00% | 3.00% |
* Rates are for informational purposes only and reflect the highest rates available. Rates may change at any time and may be applicable only to certain depositors. Terms and conditions apply. | ||
Affinity Credit Union Ranking Among Credit Unions Monitored by WOWA
12th
by Assets
of 134 credit unions
12th
by Loans
of 133 credit unions
11th
by Deposits
of 133 credit unions
Affinity Credit Union ranks 12th among Canadian credit unions by assets monitored by WOWA, 12th by loans, and 11th by deposits, as of December 31, 2025. You can view the complete list of Canadian credit unions here.
Affinity Credit Union Branch Locations
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: Pay-as-you-go Chequing
- Standard Fee
- Free
- Free Transactions
- 0
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- Unlimited
Account details
- This account allows 0 free transactions.
- Interac e-Transfer (Send or Request): $1.00 ATM Withdrawal (Non-Network, Canada): $2.00 ATM Withdrawal (Outside Canada): $5.00 Bill Payment (Staff-Assisted): $1.25
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- Affinity Credit Union Pay-as-you-go Chequing is a no-monthly-fee account with transactions charged individually. Deposits and electronic transfers between Affinity accounts are free and unlimited, while Interac e-Transfers cost $1 each. It also includes access to the ding-free credit union ATM network across Canada.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Guarantee Corporation (CUDGC Saskatchewan).
Chequing Account
2. Account: Unlimited Chequing
- Standard Fee
- $13.00/mo
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- Unlimited
Account details
- This account allows Unlimited free transactions.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- Affinity Credit Union Unlimited Chequing is a $13-per-month account with unlimited transactions and free Interac e-Transfers. It also includes free deposits, unlimited electronic transfers between Affinity accounts, and access to the ding-free ATM network. The monthly fee can be reduced or fully rebated through Affinity’s Member Loyalty Program.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Guarantee Corporation (CUDGC Saskatchewan).
Chequing Account
3. Account: Value Chequing
- Standard Fee
- $4.00/mo
- Free Transactions
- 12
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- Unlimited
Account details
- This account allows 12 free transactions.
- 2 free Interac e-Transfers are included each month.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- Affinity Credit Union Value Chequing is a $4-per-month account with 12 included transactions per month and 2 free Interac e-Transfers. Deposits and electronic transfers between Affinity accounts are free and unlimited. Additional electronic transactions, processed cheques, and staff-assisted debits cost $1 each after the monthly allowance.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Guarantee Corporation (CUDGC Saskatchewan).
Chequing Account
4. Account: Youth Chequing
- Standard Fee
- Free*
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- Unlimited
Account details
- This account allows Unlimited free transactions.
- E-Transfers are excluded from the transaction limit and is unlimited.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- *This account is available for youth and students only.
- Affinity Credit Union Youth Chequing is a no-monthly-fee account for members age 24 and under. It includes unlimited transactions and Interac e-Transfers, free deposits, and unlimited electronic transfers between Affinity accounts. Post-secondary students can access the same core benefits through Student Chequing regardless of age, with eligibility continuing for 24 months after graduation.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Guarantee Corporation (CUDGC Saskatchewan).
Savings Accounts
Savings Account
Account: Everyday Savings
- Interest Rate
- 0.10%*
- Standard Fee
- Free
- Free Transactions
- 2
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- Unlimited
Account details
- This account allows 2 free transactions.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0.00 to $4,999.99 0.10% $5,000.00 or over 0.15% - Affinity Credit Union Everyday Savings is a no-monthly-fee savings account with 2 included transactions per month. Deposits and electronic transfers between Affinity accounts are free and unlimited. Additional transactions, including staff-assisted transactions, cost $2 each, while Interac e-Transfers cost $1 each. Interest rates are tiered based on the account balance.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Guarantee Corporation (CUDGC Saskatchewan).
Savings Account
Account: Investor Savings
- Interest Rate
- 0.65%*
- Standard Fee
- Free
- Free Transactions
- 1
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- Unlimited
Account details
- This account allows 1 free transaction.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0.00 to $99,999.99 0.65% $100,000.00 to $5,000,000.00 0.80% - Affinity Credit Union Investor Savings is a no-monthly-fee savings account with tiered interest based on the account balance. Interest is calculated on the daily closing balance and paid monthly. It includes 1 transaction per month, with additional transactions costing $5 each. ATM withdrawals and direct payment purchases are not available.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Guarantee Corporation (CUDGC Saskatchewan).
Key Financial Metrics and Trends
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $8,189M | -1.1% | +20.5% |
| Loans | $6,691M | +7.5% | +27.4% |
| Deposits | $7,762M | +6.0% | +27.4% |
| Loan-to-Deposit Ratio | 86.2% | — | — |
| Mortgages + HELOCs | $2,760M | +8.4% | +21.1% |
| Securities | $1,893M | +4.5% | +36.3% |
| Revenue | $273M | +26.4% | +31.9% |
| Efficiency Ratio | 63.0% | — | — |
| Target Members / Region | Saskatoon, Regina | — | — |
Affinity Credit Union Deposits, Loans and Revenue in the Past 5 Years
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Contact
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Disclaimer:
- Any analysis or commentary reflects the opinions of WOWA.ca analysts and should not be considered financial advice. Please consult a licensed professional before making any decisions.
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- Financial institutions and brokerages may compensate us for connecting customers to them through payments for advertisements, clicks, and leads.
- Interest rates are sourced from financial institutions' websites or provided to us directly. Real estate data is sourced from the Canadian Real Estate Association (CREA) and regional boards' websites and documents.