What It Means to Become an Affinity Credit Union Member

Becoming an Affinity Credit Union member means you join a Saskatchewan-based financial cooperative rather than simply opening an account at a bank. Membership gives you a voice in how the credit union is operated, access to personal and business banking products, and a stake in a organization that reports investing in local communities. You can start the process through the "Join Now" link on affinitycu.ca. The site does not publish membership eligibility rules, any membership share or fee requirements, or the full application steps, so confirm those details directly with Affinity before applying.

What membership actually involves

Affinity describes membership as giving members "a voice in how we operate." That is the core distinction from a conventional bank account: you are a member-owner of the cooperative, not just a customer. The site frames joining as a way to "make a difference in your own life and the lives of others in your community."

The site does not spell out the mechanics — for example, whether a minimum deposit or membership share is required, how voting works in practice, or what obligations members have. Treat those as questions to ask Affinity directly rather than assumptions.

What you can access as a member

The banking overview on the site lists a broad product set across personal and business lines:

Ways to bank include personal and business online banking, Interac e-Transfer, and in-person service through advice centres. The site also references CRA-related support and FAQs.

Current offers advertised to members

Affinity's homepage highlights several limited-time or featured offers. These are advertised rates and promotions, not permanent terms:

• 1-year GIC at 3.15% — described as a limited-time offer, with the rate subject to change.
• 5-year Straight Rate mortgage — terms and conditions apply.
• 5-year agriculture financing at 4.54% — terms and conditions apply.
• New Member Offer and a Business Bundle — the bundle is advertised as saving over $900 in fees and discounts when you open a new Affinity business membership.
• New to Canada support for recent arrivals and those planning to move.

Rates marked with footnotes are explicitly subject to change, so verify the current rate and conditions before committing.

The community investment angle

Affinity reports that in 2025 it donated over $2.39 million to local communities, funding 732 organizations, charities, and initiatives across Saskatchewan. The breakdown given on the site:

• $1,079,500 invested in Saskatchewan communities through Member Councils
• $166,600 donated to charities chosen by employees and elected officials
• $1,043,830 contributed locally through corporate and advice centre donations and sponsorships

For people who weigh local impact when choosing a financial institution, this is the concrete evidence the site provides. Member Councils are the structure through which part of that community funding is directed — another reason the "voice in how we operate" framing matters.

How to join

1. Go to affinitycu.ca and use the Join Now link in the membership section.
2. Review the membership information presented there before starting an application.
3. If you want to open specific products at the same time — a chequing account, GIC, mortgage, or business membership — book an appointment or contact Affinity so the membership and product setup happen together.
4. Confirm any eligibility, identification, or deposit requirements with Affinity, since the site does not publish them.

What to verify before you commit: membership requirements and any associated costs, whether the advertised GIC or mortgage rates are still available, and the full terms behind the New Member Offer and Business Bundle. The site presents these as current promotions with conditions attached, so the published figures are a starting point for a conversation, not a final quote.