Institution profile · Provincial credit union
Affinity Credit Union
ActiveAffinity Credit UnionProvincial insurer
Affinity is a Saskatoon-based credit union continued under Saskatchewan’s Credit Union Act, 1998. Its deposits carry the province’s unlimited guarantee.
Profile facts checked October 30, 2026
Mitey files the Affinity Credit Union index card: cheapest everyday account $180 a year.
Is Affinity Credit Union a good bank for everyday banking?
Affinity Credit Union’s cheapest chequing account open to anyone, Chequing (Unlimited), costs $180 a year for a typical household (25 debit purchases, 6 bills and 5 e-Transfers a month), $179 below the national median of $359. Its best posted savings rate is 0.65% on $10,000. A provincial insurer, not CDIC, protects its deposits.
At a glance
- Legal name
- Affinity Credit Union
- Type
- Provincial credit union
- Head office
- Saskatoon, SK
- Regulator
- Credit Union Deposit Guarantee Corporation (Saskatchewan)
- Cheapest everyday account
- Chequing (Unlimited) — $180 a year for the Everyday example
- Best posted savings rate
- 0.65% on $10,000 (Investor Savings)
- Website
- www.affinitycu.ca
Is my money safe at Affinity Credit Union?
Deposits guaranteed by Saskatchewan’s Credit Union Deposit Guarantee Corporation, including accrued interest. Not CDIC.
Provincial rules: Saskatchewan — Unlimited.
What do Affinity Credit Union’s chequing accounts cost?
Affinity Credit Union lists 3 chequing accounts with FCAC. For our “Everyday” example (25 debit purchases, 6 bills, 5 e-Transfers and a $1,000 low balance a month), the cheapest account open to anyone is Chequing (Unlimited) at $180 a year. Accounts limited to a group are marked.
| Account | Monthly fee and waiver | Included | Fees a year |
|---|---|---|---|
| Chequing (Unlimited) | $13.00/mo, no balance waiver | Unlimited | $180 |
| Chequing (Value) | $4.00/mo, no balance waiver | 12 a month | $416 |
| Chequing (Pay as you go) | No monthly fee | None included (each one is charged) | $501 |
- Chequing (Unlimited)$180
- Chequing (Value)$416
- Chequing (Pay as you go)$501
- Cheapest in Canada: Personal Account · EQ Bank$0
- Median nationwide account$359
What would Affinity Credit Union cost a typical household?
The cheapest Affinity Credit Union account open to anyone for each of our four usage profiles, against the cheapest account in Canada for the same banking. Profiles are defined in the finder.
| Profile | Cheapest at Affinity Credit Union | Fees/yr | Cheapest in Canada | Fees/yr |
|---|---|---|---|---|
| Light Mostly card and app, small balance | Chequing (Value) | $136 | PC Money Account PC Financial | $0 |
| Everyday Household account, a few e-Transfers | Chequing (Unlimited) | $180 | Personal Account EQ Bank | $0 |
| Heavy Lots of card, bill and e-Transfer payments | Chequing (Unlimited) | $204 | Personal Account EQ Bank | $0 |
| Branch and cheques Teller visits, cheques, paper statement | Chequing (Unlimited) | $192 | Basic Bank Account Scotiabank | $134 |
Worked example — Chequing (Unlimited) (Affinity Credit Union), Everyday profile
| Monthly fee × 12 | $156 |
| Transactions beyond the included number (0 a month) × 12 | $0 |
| Other-bank ATM access fees (1 a month) × 12 | $24 |
| Paper statements × 12 | $0 |
| Fees a year | $180 |
Our take
Affinity Credit Union is competitive: its cheapest open account costs less than the median Canadian account for everyday use. The cheapest account in Canada would save another $180 a year.
What savings rates does Affinity Credit Union pay?
| Account | Rate at $10,000 | Monthly fee |
|---|---|---|
| Investor Savings | 0.65% | No monthly fee |
| Everyday Savings | 0.15% | No monthly fee |
What else should you know about Affinity Credit Union?
- Continued under The Credit Union Act, 1998 of Saskatchewan; registered office at 902 7th Ave N, Saskatoon.Source: affinitycu.ca
- Its financial statements note that CUDGC guarantees repayment of all deposits with Saskatchewan credit unions.Source: affinitycu.ca
Your own pattern can change the order. Put your numbers into the true-cost finder to rank Affinity Credit Union’s accounts against everyone else’s.
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