Affinity Credit Union

What their website says about applying

• Proof of income (recent pay stubs or two years of tax returns if self-employed), proof of residence (a utility bill works), and a copy of your driver's license. source
• Get pre-approved with us before you walk into the dealership. source
• Found one? Call us before you offer. source

Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.

As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.

• Low or damaged credit considered We'd still like to talk. Credit score is part of what we look at, but not all of it. source
• Membership required If we move forward together, we'll get the membership step handled at closing. source
• Collateral flexible or not always required Usually not; most personal loans are unsecured. source

Only rules the lender's own pages state. Other requirements may apply.

Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. No small-business or business loan product is described on the pages fetched. Terms change — confirm with the lender before applying.

Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.

1. Do you lend where I live, or where my business is?
   Their website does not say which area they serve.
2. How do I become a member, and is there a fee or a minimum deposit?
   Credit unions lend only to their members.
3. What are the smallest and the largest loans you make?
   No loan amounts are stated on their website.
4. Do you offer down-payment help, and is a homebuyer education course required?
   CDFI home loans often come with homebuyer education or down-payment help; their website does not say.
5. What documents will you need from me, and how long does a decision usually take?
   Their website describes some application steps (above); ask for the full document list.

Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.

On file with the NCUA as AFFINITY (charter 62829). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.

An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).

Figures from the 5300 Call Report filed by Affinity Credit Union (NCUA charter 62829, filed as “AFFINITY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.

Loan mix (balances on 30 Jun 2026)

Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.

Affinity Credit Union reported 39 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $2.7M (median loan about $45,000). 5 were home-purchase loans.

Filed under LEI 549300Q0QG1CZF1H4O06 as “Affinity Credit Union”; matched by name, state and city (checked by hand; see the method on our About page).

Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.

Same loan type, nearby, lower stated rate

Certified CDFIs whose head office is within 50 miles of this one and whose own website states a starting rate at least 0.5 points lower for the same loan type. Consumer loans count only where both lenders state an APR. A starting rate is not an offer: ask each lender what you would pay, and check that it lends where you are (credit unions also require membership).

• Home mortgages (this lender states from 6.71%): Neighborhood Finance Corporation from 2.00% (3 mi, read 29 Oct 2026)

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data. Stated rates: each lender's own website, read on the date shown.

The SBA's public loan data lists 1 SBA-backed approval for Affinity Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):

• 1 504 projects as the third-party (first-lien) lender

By fiscal year: FY2020 1 · FY2021 0 · FY2022 0 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 0.

How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Affinity CU”).

Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Affinity Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.

Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.

Other certified CDFIs in Des Moines and Iowa

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• Community 1st Credit UnionCredit union · Ottumwa, IAAgriculture / farm loans, Auto / vehicle loans, Home mortgages, Small-business loansVerified
• Iowa Community CapitalLoan fund · Boone, IAEquity / venture investment, Microloans, Small-business loansVerified
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All 7 CDFIs in Iowa