Business Details
50+ Years
experience
Your Trusted Partner for Credit Union Services in Jamestown, NY
Affinity One Federal Credit Union has served southern Chautauqua County since 1948, providing personalized financial solutions to over 4,300 members. Our cooperative structure prioritizes member needs through competitive savings rates, diverse loan products, and fee-free checking accounts. With two full-service branches in Jamestown and Lakewood, NY, we combine local expertise with nationwide ATM access through partnerships.Our team of experienced professionals delivers tailored financial guidance, emphasizing community development and long-term member relationships. We maintain transparency in all operations, offering clear loan terms, no hidden fees, and educational resources to empower informed financial decisions.
Services
Primary Savings
Share Checking
Term Share Certificates
Money Market Accounts
Vehicle Loans
Personal Loans
Credit Cards
Home Equity Loans
Signature Loans
Share Secured Loans
Details
- Year established: 1948
Highlights and features
- We've served southern Chautauqua County since 1948 with local decision-making
- Our member-owned structure guarantees personalized financial solutions
- Competitive loan rates available for qualified borrowers
- Two convenient branch locations with extended weekday hours
- Nationwide ATM access without surcharge fees
Services
Primary Savings
Our Primary Savings Account serves as your membership key with low minimum requirements. This federally insured account offers competitive dividends while maintaining liquidity. Members benefit from exclusive access to additional financial products and services.
Vehicle Loans
We provide flexible vehicle financing options for new or used automobiles, motorcycles, and recreational vehicles. Competitive rates apply to qualified borrowers with terms tailored to individual financial situations. Our local underwriting process ensures faster approval decisions.
Share Checking
Our no-monthly-fee Share Checking accounts include overdraft protection and no minimum balance requirements. Features include free online bill pay, mobile banking access, and nationwide ATM availability through M&T Bank partnerships.
Term Share Certificates
These fixed-rate savings vehicles offer guaranteed returns for short or long-term financial goals. Terms range from 6 months to 5 years with competitive dividend rates that outperform standard savings accounts.
Credit Cards
Our Visa credit cards feature no annual fees, cash advance options, and rewards programs. Competitive APRs apply with consistent payment terms and 24/7 fraud monitoring for secure transactions.
People
Melinda J Best
CEO
Melinda leads strategic operations with over 25 years of credit union experience, focusing on community development and financial accessibility.
Samantha Bergey
Chief Operating Officer
Samantha oversees daily operations, implementing efficiency improvements while maintaining personalized member service standards.
Bridgette Smith
Chief Financial Officer
Bridgette manages financial strategy with expertise in credit union financial planning and regulatory compliance.
Nicole Weaver
Loan Officer
Nicole specializes in consumer lending, helping members achieve financial goals through customized loan solutions.
Clarissa McNeal
Branch Supervisor
Clarissa leads Lakewood branch operations, emphasizing community engagement and exceptional member service experiences.
Questions
How do I become a member?
You qualify if you live, work, worship, or study in our service area. Open a primary savings account with $25 to join.
What loan types do you offer?
We provide vehicle loans, personal loans, home equity loans, signature loans, and share-secured loans with competitive rates.
Are there ATM fees?
No surcharge fees at our Lakewood ATM or any M&T Bank ATM nationwide through our partnership agreement.
Do you offer mobile banking?
Yes, our mobile app allows account management, bill payments, and card controls 24/7 from any smartphone.
What are your branch hours?
Monday-Wednesday 8:30 AM-4:00 PM, Thursday-Friday 8:30 AM-5:00 PM, and Lakewood Saturday 9:00 AM-12:00 PM.
How are loan rates determined?
Rates depend on creditworthiness, with the lowest rates for most qualified borrowers. Contact us for personalized rate quotes.
Reviews (5)
Mericanmuskles
Oct 28, 2021
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Besides the fact they don't pick up the phone sometimes, they are otherwjse very very helpful and kind people
Steve N. Stuff
Aug 19, 2021
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They didnt inform me that my car refinance would have me paying more than what I originally paid while removing all I basically paid that whole year. Resulting in me losing 4,000 dollars.
Cynthia Oaks
Jan 15, 2019
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I really like this credit union, I've been with them for over a year now not had any problems and feel that my money is safe and secure. Thank you all for everything! :)
Stephen Griffin
Jan 30, 2017
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Never open an account with them trust me you'll regret it . They never communicate with thier account holders on important matters regarding accounts
Caroline Griffith
Jul 05, 2015
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The staff, Michelle especially, at the Lakewood branch of Affinity are the most friendly and helpful people that I have ever worked with in a banking capacity. After getting thrown under the bus one too many times with Key, I decided to apply for a car loan at a local credit union. I had a whole list of stops but luckily I only needed one as Michelle was ready and willing to help me secure a loan at a GREAT rate for my first car. Every time that I've stopped in since then I've been greeted with exceptionally friendly staff who know me by name and are excited to hear about the new car. It's a wonderful
