What Is Affinity Credit Union and What Banking Services Does It Offer?

Affinity Credit Union is a Saskatchewan-based financial institution offering personal and business banking, loans, mortgages, credit cards, and investments. It operates as a membership-based credit union, meaning customers join as members and have a voice in how the organization is run. It is a fit for individuals, families, farmers, small business owners, and newcomers to Canada who want a full-service banking relationship with a Saskatchewan focus.

Core Banking Services

Affinity's everyday banking lineup covers the standard accounts most people need:

• Chequing accounts — personal, youth, student, 65+, U.S. dollar, and business chequing options
• Savings accounts — personal and business savings, plus registered products such as a First Home Savings Account (FHSA) for tax-free down payment saving
• Credit cards — a suite of personal cards earning Affinity Rewards
• Online and mobile banking — personal and business online banking, Interac e-Transfer, and a switch service (ClickSWITCH) for moving recurring payments and deposits

Borrowing and Wealth

• Mortgages — the site advertises a 5-year Straight Rate mortgage, with terms and conditions applying
• Loans and financing — personal and business lending, including agricultural financing (a 5-year ag financing rate of 4.54% is advertised, terms and conditions apply)
• Investments — GICs and wealth guidance; a limited-time 1-year GIC at 3.15% is promoted, with the rate subject to change
• Business services — merchant payment services, cash management, payroll and workforce management, remote cheque deposit, and international funds transfer

Specialized Support

Affinity positions itself around specific customer groups rather than a single generic offer:

The Membership Model

Joining Affinity makes you a member rather than just a customer. According to the credit union, members have a voice in how it operates. This structure also ties into its community investment: the site reports over $2.39 million donated to local communities in 2025, across 732 organizations, charities, and initiatives, including funding through Member Councils and employee-chosen charities.

How to Decide If It Fits

Affinity is worth considering if you live or work in Saskatchewan and want chequing, savings, borrowing, and investing under one membership-based institution, especially if you are a farmer, small business owner, or recent arrival. If you bank entirely outside Saskatchewan or need branch access elsewhere, a national bank may suit you better. Before opening an account, confirm current rates and promotional terms directly with Affinity, since advertised rates such as the GIC and mortgage offers are subject to change and carry conditions.