Affinity Plus Federal Credit Union University Ave, Minneapolis

When looking for a new credit union last year I was recommended to try Affinity Plus by my best friend after she had enjoyed her experience with them. I was able to sign up for an account hassle free, and when I had questions the staff was friendly and available with little wait both on the phone and in person. Their online banking is far more user friendly than my previous credit union, and their fraud prevention features such as text alerts and the option to freeze your card are super handy. When my brother moved to the area from out of state I was confident in recommending he open an account here.

My account was over drafted $8. I was then charged $35. My account was then restricted and I was told I had to come in and pay off the negative balance physically to have access to my account and I was unable to do online. This branch isn't open when I'm off work, so how am I supposed to do that exactly. That's the exact reason my people use online banking. So seriously how am I supposed to do this? Also there was absolutely no notice. No letters in writing. Email or text. They just restricted my account and I had to call to get an answer for which I was on hold for 20 minutes to have someone essentially parroting what someone else was telling them.

Their customer service is impossibly slow. This was true before covid. They also have a tendency to make poor decisions to try and improve efficiency. For example, at Roseville branch they made the bright decision of removing two teller stations in favor of two atms. I have literally never seen a line for the atm, for which they have 3 mobile and 1 indoor atm now. I have waited in line for almost an hour at their drive thru tellers.

My friend needed a personal loan for a last minute school expense and Matt was very helpful and talked us through the important details, talked my friend through understanding his credit score, and also informed me that I could refinance my auto loan for a much lower interest rate, which he then did for me. He got us everything we went there for and then some. He was also hella fun to talk to.

I opened savings accounts here for my children when they were young (about 4 & 6) because I wanted someplace they could start learning about saving. It was the only bank around that had no minimum balance or fees. They even got piggy banks when they opened their accounts! My kids loved it, and the tellers have always been very kind, patient, and helpful when I bring my kids in to teach them about how to make deposits, endorse checks, get cash back, etc. Now my kids are teenagers and the tellers offer them ideas about other ways to save and manage their money as efficiently as possible. While they still have a few years until they're completely on their own, it's reassuring to me that they have an established relationship with a bank that takes this type of personal interest. It's clear that this bank (near the University of MN campus) is set-up to help young adults make wise financial decisions. Yes, sometimes the wait in line is a little long, but that's true at the larger, impersonal banking juggernauts who would not provide this same level of personal service.

Love Affinity, no surprise fees, very helpful customer service. Bonus rewards are decent, financial products they are good products. Their savings accounts are really really great for members after 6 months, not so great for non-members or members who recently joined.

Matt was amazing! He did a complete account/loan tune up for my husband and I. He was so friendly, fun to talk to and spent a lot of time explaining all the steps and information to us. We felt very taken care of and had a great experience! Everyone else at that branch was friendly and had great energy. Thanks so much!

The Credit Union itself is great, the people who work there are fantastic at customer service and are respectful of all kinds of customers. My one negative comment, which is the reason for the 3 star rating, is that the wait times in line are just ridiculous. Even before the pandemic, you had to plan 30-45 minutes just for standing in line. The drive through for the past year+ requires 45-90 minutes "spare" time for waiting in line. I don't know what the problem is - could be the number of staff on the windows, or coukd be that the expectation of the number of reps per line is unrealistic, could be any number if things. However, management has had ample time to figure it out, yet hasn't. It's a real problem in terms of time, gas and the cost burning it while sitting in line, etc., and I'm beginning to look around for quicker options where in-person banking is necessary in my life.

Affinity Plus has been my credit union for more than five years. I love them! They are loyal and transparent. I see people with accounts on big banks suffering from all sort of hidden and new fees. This doesn't happen often with Affinity. This is why I trusted them!

This bank is amazing. It’s so nice being part of a credit union and they are super helpful and straightforward