Moving from Me,LLC to We,Inc. - Affinity Federal Credit Union

affinity W I N T E R 2 0 1 1
Moving from Me,LLC
to We,Inc.
Talking Money Matters
Before the Wedding
Plus!
DEMYSTIFYING
ESTATE PLANNING
5 Common Myths Debunked
NEW FEATURES!
Looking for other ways to promote your business? Let Affinity help. We offer valuable resources and guidance
to help your business reach its full potential. Generate new business opportunities through access to our
extensive member base, such as:
• Tips Attend free On networking Tidying events at a Up local branch Your Finances
• Participate (A handy in a business tear-out spotlight guide) at one of our branches. (Opportunities are limited and must be scheduled with the branch manager.)
• Had a good experience with Affinity? Tell us and we may feature your business in an upcoming issue of Connections! Email us at
Business connections@affinityfcu.com. Member Spotlights
Contact your Affinity Business Specialist, or call 800.325.0808, to learn how you can take advantage of these opportunities and more.
Affinity Connections | WINTER 2011 | affinityfcu.org 11

Friends & Family
Dear Fellow Affinity Member:
affinity
If you were like me, you spent much of this past Holiday Season with friends and family. We gathered together and gave thanks for all the special people in
our lives, and for everything they do.
At Affinity, we consider our members an important part of our extended family. So, it is appropriate to take time from our busy schedules and thank our
members for being part of the Affinity family. We appreciate your business, and hope to continue to serve you well. Our top priority is always to exceed the
expectations of our members. In many ways, this means more than the competitive rates and banking services we provide. Our commitment to creating a
memorable experience can be seen in how we welcome everyone who walks into one of our branches or calls us on the phone.
I would like to extend my appreciation to everyone at Affinity who helps make us more than just a financial institution. No member request is too small for our
employees, and we are always willing to lend a hand. We will do whatever is necessary to make sure our members are satisfied. Examples are highlighted in
this issue’s Branch Spotlight. Other instances are part of every edition of
Affinity Connections.
Our commitment to our members is a large part of what makes Affinity
different. We are here to best serve you, our members. You are a part of our
extended family.
Sincerely,
John T. Fenton
President & CEO
Affinity Federal Credit Union
12
5 8
11 IN THIS
ISSUE
Late-Breaking NEWS..................................................................3
– Keeping you up to date with the latest Affinity news
Member Community Spotlight.................................................4
– Tell us your story and win a new $100 bill
Demystifying Estate Planning .......................................................5
– Five common myths debunked
Member Spotlight...............................................................................6
– Get It Done While You Sleep, How outsourcing can help
with your to-do list
An Easy Money-Saving Tip for 2011......................................7
– Refinance your auto loan
Moving from Me, LLC to We, Inc. ...........................................8
– Talking money matters before the wedding
Branch Spotlight: New Providence......................................10
– From business advice to consumer loans
The 5-Minute IRA Primer .........................................................11
– Your biggest tax mistake for 2011? Not funding your IRA for 2010
You Asked—We Answered.....................................................12
– Online banking: Managing your finances made easy
Business Member Spotlight .................................................13
– Introduce yourself to five member companies
Welcome NEW BUSINESSES...........................................14
– Thank you for choosing Affinity
Tips On Tidying Up Your Finances ......................................15
– A handy tear-out guide
2 Affinity Connections | WINTER 2011 | affinityfcu.org

Coming soon...
Scan and Deposit Checks
into Your Account from
Home or Office
In mid-January, Affinity will make check
depositing easier and more convenient
through its Online Deposit by Scan
service, available to all members who
have registered for Online Banking or
Online Business Banking. With this
service, you can scan and deposit your
checks into your Affinity accounts from
your home or office, at any time of the
day or night, seven days a week.
Online Deposit by Scan is safe and
secure, and allows you to deposit checks
into regular savings, money market,
regular checking and Green Rewards
checking. Funds from checks deposited
by 4:00pm EST Monday–Friday will be
available the same day.
To get started, visit
affinityfcu.org/onlinedepositbyscan.
Affinity Making Tax
Preparation Easier
If you need a Certified Public Accountant (CPA)*
for your taxes, Affinity can help. Our expanded
CPA Partner Program includes a number of
CPAs that serve your area. All participating
CPAs are pre-screened and Affinity monitors
each experience to ensure satisfaction. Find a
CPA at affinityfcu.org/tax, call 800.325.0808, or
visit a branch.
Members who prepare their own taxes can use
TurboTax ® for Online Banking, which has new
features and an updated look and feel that make
it even easier to use! TaxCaster is a tool that
calculates your potential tax refund, the Life
Events Advisor helps you understand the
potential tax impact of certain major life events,
and the IRA Calculator assists in determining
your optimal IRA contributions.
Visit affinityfcu.org, log in to Online Banking, and
click on the TurboTax ® tab to get started!
Affinity members will receive 15% off the
standard TurboTax ® for Online Banking product.
*Tax preparers are independent contractors, experienced
in income tax preparation. Tax services are not provided
by nor supervised by Affinity Federal Credit Union.
LATE-BREAKING
Affinity Scholarship
Program Applications
Available Soon
NEWS
Applications for the 2011 Affinity
Scholarship Program will be available
in mid-February. Offered through
the Affinity Foundation, the program
is open to graduating high school
seniors who are U.S. citizens or
U.S. resident aliens and are members
of Affinity in good standing.
Applicants must use the scholarship
to attend an accredited two-year or
four-year college or university.
Visit affinityfcu.org/foundation for
more information.
Affinity Serves as
Members’ Voice
Congressman Leonard Lance (center) with (from left) David
Snodgrass, Affinity Executive Vice President & Chief Strategy
Officer, Beth Degnan, Affinity Assistant Vice President of
External Affairs, John Fenton, Affinity President & CEO, and
Mike Kzirian, Chairman Emeritus, Board of Directors.
In addition to the philanthropy through our
501(c)(3) foundation and the ongoing
volunteerism through our branch network,
Affinity’s good corporate citizenry also
includes the political arena.
“Our public policy work is an extension of
our good will performed on behalf of our
consumer and business client members,”
explained Beth Degnan, Assistant Vice
President of External Affairs. “Affinity
diligently supports legislation that is in the
best interests of our members and that of
our employee groups, such as working to
lift the member business lending cap that
will help companies grow and stimulate
the economy. Conversely, we voice
opposition to proposed laws that we
consider detrimental. We remain active on
the state and federal levels to protect our
members’ rights for competitive choice and
procurement of favorable banking services.
It is just one more way Affinity is a
champion for our members and an
advocate for our community,” said Beth.
To learn more about Affinity, visit
affinityfcu.org
This newsletter is distributed with the understanding that it does not constitute legal, accounting or other professional advice. Neither Affinity nor any other party will assume liability for loss or
damage as a result of this material. Appropriate legal or accounting advice should be sought from a competent professional. Affinity is not responsible for typographic or inadvertent errors. Affinity
Financial Services is a wholly owned subsidiary of Affinity Federal Credit Union. © 2010 Affinity Federal Credit Union.
Affinity Connections | WINTER 2011 | affinityfcu.org 3

member community spotlight
Tell Us Your Story
and Win a New $100 Bill
The U.S. Treasury is giving the $100 bill a makeover…
and we’d like to give one of these new, crisp, high-tech bills to three Affinity members.
All you have to do is tell us your favorite
Affinity experience. The three members
whose stories best exemplify Affinity will
receive a $100 bill, scheduled to go into
circulation in February 2011.
As members, you have enjoyed many
positive experiences of how Affinity has
provided the personalized service that you
can’t find at other financial institutions.
Maybe it was one of our Auto Advisors
helping you buy the car of your dreams
at a price that fit your budget. It could
have been how our Financial Advisors
developed a plan that helped you meet
your goals. Or it could be one of our
branch employees doing those little things
to make sure you are completely satisfied.
Whatever it is, we want to hear about it.
Simply write a brief story (300 words or
less) telling us about your best
Affinity experience and email it
to editor@affinityfcu.com by
February 1, 2011.
Winners will be announced on
or around February 15, 2011.
In addition to receiving the $100,
the three members chosen will be
featured in the Spring 2011 issue of
Affinity Connections.
Email your story to editor@affinityfcu.com today!
Affinity is proud
to announce
that it will open
its newest branch office in the
Spring of 2011. The new branch, to be
located at 2190 Route 27, Edison, NJ,
New Branch Opening in Edison
will provide the same comfortable
setting and personalized service
offered at all Affinity branches.
Look for an update on the opening in
the next issue of Affinity Connections.
Dear members,
This is YOUR page, so send your submissions
to editor@affinityfcu.com and you could
be featured in an upcoming issue of
Affinity Connections!
(Letters may be edited for content and clarity.)
Your favorite magazine, Affinity Connections,
is always available online.
Current and past issues are just a click away
for you to reference great tips, knowledge
and advice, and to enjoy time and time again.
Just visit: affinityfcu.org/connections
Want to opt out of receiving Affinity Connections via mail?
Simply send your name and address to connections@affinityfcu.com and state “Opt Out” in your email subject line
and we will take care of the rest. You can then continue to view Affinity Connections online.
4 Affinity Connections | WINTER 2011 | affinityfcu.org

Demystifying
Estate Planning
Five Common Myths Debunked
You don’t need a last name like
Rockefeller, Morgan or Vanderbilt to
require an estate plan. Generally,
anyone who has children or owns
assets such as property should have
a proper estate plan in place.
An estate plan is an important
part of an overall financial plan.
A well-crafted estate plan spells out
the manner in which you want your
property managed and distributed.
Below are five common myths that we
debunk to help make sure your assets
are protected.
1. Estate planning is for the elderly.
It is wise to have a well-crafted estate plan
during every life stage. Estate planning
can help you distribute property in a
manner consistent with your wishes, help
care for loved ones, and save money on
taxes and fees.
2. If I am not married and don’t
have children, I don’t need an
estate plan.
Even if you are single and have no children,
an estate plan can help:
• Plan for possible incapacity
• Provide for relatives
• Help your business
3. I created a will years ago,
so I am covered.
Making sure your will AND your
beneficiary designations are current helps
ensure your assets pass on to heirs in the
manner you choose. An out-of-date or
improperly drafted will can cause your
estate to be distributed under the laws of
intestate, which vary by state. Your will
should be reviewed and updated
periodically with the assistance of a
competent estate-planning attorney.
Also, certain assets, such as IRAs, life
insurance, and annuities, move separately
based solely on the beneficiary forms
completed when you established these
accounts—despite what a will may say!
4. My will is safely stored in my
safe deposit box.
Safe deposit boxes are usually sealed at
death and made inaccessible. Make sure
your executor has the authority and the key
to access the box. Alternatively, experts
recommend keeping a conformed copy,
which is a duplicate of the original with
essential legal features—such as signature
and seal—typed or indicated in writing, at
home. The original should remain with the
attorney who prepared the document.
5. I update my will by hand,
so it’s current.
One of the speediest ways to invalidate
a will is to make a handwritten change
on the document. Even if you initial it,
hand-written changes, called interlineation,
are not usually accepted by a court.
The judge may disregard the handwriting
and keep the original terms, but it is
possible that the will may be deemed
invalid in its entirety.
Enlist the services of a professional
Working with a trusted estate-planning
attorney is an effective way to create a wellrounded
estate plan that helps your loved
ones avoid financial chaos. To get started,
visit www.mystatewill.com to see what it may
cost your heirs if you die without a will.
Let Affinity Help You in
Your Estate Planning
Affinity can help keep your estate
in order. Visit affinityfcu.org and
look for the Financial Learning
Center under the Advice &
Planning tab. We have an entire
section devoted to estate planning,
including worksheets to help
you determine the net worth of
your estate and to list all your
wishes, such as guardians and
executors. It’s a great way to begin
making a plan so you are
prepared when you sit down
with an attorney.
Alternatively, contact Jamian R. Probber,
Esq., Attorney and Financial Planner at
908.860.3744 or jamianp@affinityfcu.com.
Jamian offers all Affinity members a free
initial meeting including a review of your
existing wills and insurance.
Sources:
“101 Biggest Estate Planning Mistakes,” by Herbert E.
Nass, Esq. Copyright 2010.
“Guide to Wills and Estates, Third Edition,” The
American Bar Association, Copyright 2009.
The New York Times, “Estate Planning: What You
Need to Know,” January 26, 2009.
Affinity Connections | WINTER 2011 | affinityfcu.org 5

member spotlight
Editor’s Note: In this edition of Member Spotlight, we highlight an article that two
business members—Sameer Kumar and Mike Agugliaro of Amazing Business Amazing Life—
submitted. It provides tips on helping get everything done.
Believe it or not, you can get “stuff” done while you sleep.
It’s called outsourcing, and now anyone can benefit from it.
Business-owners are the biggest outsourcers. They make more money, kill overhead,
and reduce stress by outsourcing. Companies have call-answering services, delivery
services, and outside organizations that handle payroll. Individuals do it, too, for
returning phone calls, writing checks, organizing calendars and researching vacation deals.
SHOULD I OR SHOULDN’T I?
The simplest way to determine if something should be outsourced is to run it
through a Decision-Making/Implementation Process. By doing this, you’ll accomplish
two things. First, you’ll know which tasks should get done and those that can be
eliminated. This can slash your to-do list by as much as 20%.
The Decision-Making portion of the formula helps you determine if the task:
• Makes you money
• Saves time
• Increases your sanity
• Improves quality of life
• Provides a long-term benefit
If the task fits at least two of these criteria, then the Implementation part of the
formula guides you as to whether you should do it yourself or outsource it.
Among the questions answered by the Implementation process are:
• Do I enjoy it?
• Do I do it best?
• Is there a tangible or intangible benefit?
• Is it an obligation?
• Can I outsource it without losing the benefits?
Get It
Done
While
You
Sleep!
How Outsourcing
Can Help With Your
To-Do List
OUTSOURCING STRATEGIES
Two of the best outsourcing strategies
are concierge services and virtual
assistants. Both are simple and
inexpensive ways of getting your feet
wet with outsourcing.
Concierge services can help with
travel reservations, car rentals, finding
hotels, booking flights, and making
restaurant reservations. Some less
common ways to use concierge services
are locating bakeries with allergy-free
baked goods for children’s birthdays,
providing a list of the best software for
your business, and helping coordinate
seminars or events.
VIRTUAL ASSISTANTS (VAs)
Simply, Virtual Assistants can take care
of everything that does not require
physical presence. They’re similar to
concierge services, but a VA can be
anywhere, as long as he or she has a
reliable Internet connection and phone.
So, what’s your role in working with a
VA? You’re responsible for being very
detailed and organized in the delegation
of your tasks. Identify what needs to be
done, deadlines, how the VA should
contact you with questions, and how
the final delivery should look.
A sampling of VA tasks includes
answering calls, maintaining your
calendar, arranging appointments,
organizing travel and reservations, and
following up with clients or prospects.
They can even have flowers—complete
with a card—delivered to your spouse.
A good VA will cost anywhere from $2
to $100 an hour, depending on the
complexity of what you need done and
the location of the VA. They can be
hired by the hour or on a project basis.
You can learn more about VAs by
visiting www.ivaa.org, the website of
the International Virtual Assistants
Association (IVAA).
Sameer Kumar and Mike Agugliaro, co-owners of Amazing Business Amazing Life, teach business owners strategies
to make more money, limit overhead, and reduce stress through five methods: Automation, Systemization, Outsourcing,
Marketing & Creating Referral-Generating Machines. To learn more, visit www.AmazingBusinessAmazingLife.com.
6 Affinity Connections | WINTER 2011 | affinityfcu.org

An Easy, Money-Saving Tip for 2011: Refinance Your Auto Loan
Resolutions are as much a part of New Year’s as
singing Auld Lang Syne. If you’re like most Americans,
making a resolution isn’t the hard part. Keeping it is.
Statistics say only 10% of us follow through on our
resolutions for the entire year.
If saving money is one of your goals for 2011, today’s low interest rates offer
a great opportunity. And we’re not simply talking about refinancing your
mortgage. Take a look at your auto loan. You may be able to save hundreds
of dollars and lower your monthly payment.
Saving Money is Easy
Refinancing your auto loan is simple. The application only takes about 5–10
minutes to complete. Time well spent, considering how much you can save.
A common interest rate two years ago was 7.00% APR. Current rates are about
5.00% APR 1 . By refinancing at today’s lower rates, you can save considerable
money over the life of the loan, as you can see from the chart below.
(married couples
Interest Rate (APR) Monthly Payment filing Total jointly) Loan Cost
7.00% $463.15 $16,673.40
4.99% $449.49 $16,181.64
Note: Based on $15,000 remaining on a loan for 36 months.
Low Fees
Auto refinancing does not require much in terms of out-of-pocket expenses.
You will have to pay a lien-holder fee, which varies by state but should be
less than $100. Another potential cost is a pre-payment penalty for your
existing loan, though Affinity members do not have to worry
about this fee if their original loan is with Affinity.
Jump-Start the Process
It’s best to refinance within the first two years of the loan.
If you wait longer, your car’s value may not be enough
collateral for the loan.
There’s another advantage, according to Johana Gomera,
Consumer Loan Manager. “Interest on a car loan is frontloaded.
It’s better to refinance early on, because that’s when
you’re paying the most interest,” said Johana.
The best way to get started is to talk to an experienced loan
advisor at Affinity. They can steer you in the right direction
so you save money in the year ahead. Call 800.325.0808,
ext. 3888, or visit affinityfcu.org/autoloan to learn more.
Sources:
www.carbuyingtips.com
www.cars.com
www.edmunds.com
www.lendingtree.com
SHOULD YOU REFINANCE
YOUR AUTO LOAN?
Consider these three factors when
determining if you should refinance:
1. IS YOUR LOAN UPSIDE-DOWN? If your car
is worth less than what you owe, refinancing
may be the only way to make it right-side up.
A lower interest rate may help reduce the
“loan value” to a level close to or equal that of
the car’s actual value.
2. DOES YOUR LOAN HAVE A HIGH
INTEREST RATE? Compare your rate with
those now available. If it’s higher by 1% or
more, you should refinance.
3. IS THE MONTHLY PAYMENT TOO HIGH?
Refinancing at a lower rate will reduce your
monthly payment. Avoid the temptation of
lowering it further by extending the term or
you may wind up with an upside-down loan.
Affinity: The Right Place to Park Your Auto Loan
Affinity can help refinance your existing auto loan, as well as find a
new car for you. Members benefit from a rate as low as 4.99% APR 2 .
Affinity charges the same rate, regardless of whether you are
buying a new or used vehicle. We don’t change the rate based on
loan length or amount.
Affinity also offers auto loan discounts that can be combined for
increased savings! You can save through our Green Auto Loan, Auto
Loyalty Program, and Extended Warranty Coverage Discount.
College students and recent graduates who finance an auto
through Affinity will have their first loan payment (up to $300) paid
by Affinity through our Auto Graduate Loan program.
To learn more, call Affinity Consumer Loans at 800.325.0808,
ext. 3888 or visit affinityfcu.org/autoloan.
1
APR (Annual Percentage Rate), subject to change.
2
Rates available to Affinity Members only. Annual Percentage Rate (APR) subject to change at any
time without notice. Gap insurance may be required. Additional discounts may apply. Offer does
not apply to vehicles currently financed by Affinity. Rate quoted is part of a firm offer of credit.
4.99% APR includes a 1% reduction for automatic payment. Some restrictions may apply.
Affinity Connections | WINTER 2011 | affinityfcu.org 7

Moving from Me,LLC
You might know your intended’s
shoe size, and favorite food and film.
You may even know some family
secrets. You communicate, trust
and care for each other.
But do you know your soul mate’s
credit score, spending habits and
attitudes toward saving money?
Do you know your prospective
spouse’s financial goals and dreams?
If the answer is “no,” don’t be alarmed.
While many couples share some of
their most intimate thoughts, and dot all
the i’s and cross the t’s when it comes
to wedding details, many fail to
communicate about one of the most
important topics that can make or break
any loving relationship: FINANCES.
Financial Harmony Leads to Marital Bliss
“It may not sound very romantic, but worry
and confusion about money can strain any
relationship. By tackling money matters
before walking down the aisle, you will have
taken a significant step on your journey
toward financial and family harmony,” said
Diane Boyer, Budget & Credit Team Leader,
Affinity Federal Credit Union.
While there is no “one-size-fits-all” system
that works, one thing is certain: communication
is the key. Money can be an emotional
issue. When discussing finances with your
partner, it’s extremely important to be
nonjudgmental and honest. And that means
being honest with yourself, as well.
Here are four tips to help you move from
Me, LLC to We, Inc.
Step ONE: Let the Numbers Do the Talking
Exchanging copies of important documents
can provide a springboard for discussions
about saving and managing money. Some of
the documents Diane suggests are:
• Credit Reports — disclose an accurate
history of triumphs, mistakes and habits.
• Tax Returns — disclose income.
• Statements of Net Worth — a snapshot
of the value of your financial holdings that
can be created by listing all your assets
and subtracting your liabilities.
Need a copy of your credit report or help
calculating your net worth?
ONLINE RESOURCES MAKE IT EASY.
You can obtain one free credit report every
12 months from each of the three major credit
services—Equifax.com, Transunion.com or
Experian.com. All three can be accessed very
easily by visiting AnnualCreditReport.com.
You can calculate your net worth online at
http://cgi.money.cnn.com/tools/networth/
networth.html.
Step ONE Talking Points:
• What income is coming in? How will
you manage any differences in income?
(For example, if one person is the sole
bread winner or makes considerably more
than the other, will he/she have the final
say in financial decisions or will you
decide together?)
• Are there outstanding debts that need to be
cleaned up? How will that be accomplished?
• Will you commingle your finances or
keep them separate?
• Will one or both of you tackle the chores
of paying bills and managing finances?
• Should you have separate credit cards or joint?
• If it’s a second marriage, or if there
are substantial assets, is a prenuptial
agreement necessary?
8 Affinity Connections | WINTER 2011 | affinityfcu.org

toWe,Inc.
Talking Money Matters
Before the Wedding
Step TWO: Discuss Goals and Dreams
Once you know the numbers, dig a little
deeper. Explore each other’s “financial
personality” by revealing your goals and
dreams. One way to get the conversation
started is to discuss how your parents
handled money matters, and express your
likes and dislikes about their system.
Step TWO Talking Points:
• Do you consider yourself a spender
or a saver?
• What are your financial expectations,
goals and dreams? Do you seek
financial security? Do you want to own
a home? Retire early? Save for a future
child’s education?
• Will you require a budget to prioritize
and reach certain goals?
• What are your attitudes toward debt?
Step THREE: Consider Technology
Fortunately, today’s couples have a resource
their parents never had: technology. Online
banking, automatic bill pay and money
management systems such as Affinity’s
FinanceWorks(See related article on page12)
take much of the mystery and drudgery out
of financial chores. Use these tools together to
help you decide on a plan and stick to it.
Step FOUR: Communicate Regularly
Of course, technology won’t replace the
initial conversation and the many future
talks that will follow during life’s twists and
turns. Communicating openly and regularly
can put you on track toward effective money
management, as well as make your relationship
much richer in many other ways.
Securities offered by Affinity Investment Services, LLC, 73
Mountain View Boulevard, Basking Ridge, NJ 07920, member
FINRA/SIPC. Investments offered by Affinity Investment
Services are not deposits or obligations of Affinity Federal
Credit Union. They are NOT NCUA-INSURED and NOT
GUARANTEED by Affinity Federal Credit Union or any
governmental agency and are subject to INVESTMENT RISK,
including LOSS of PRINCIPAL. Investments may lose value.
Affinity Investment Services, LLC, is a wholly owned
subsidiary of Affinity Federal Credit Union.
Sources:
“Common Sense Conversations for Couples,” Copyright
2009 Tim Michum
The New York Times, “Money Talks to Have Before
Marriage,” 10/23/2009
Findlaw.com
Get Started with an Affinity
Financial Wellness Advisor
Do you know a family member or friend
thinking about taking that big step?
Surprise them by scheduling a free
Financial Wellness session.
Find out more about our
Financial Wellness services today.
Visit affinityfcu.org/financialwellness,
or call 800.325.0808.
For investing considerations, an
appointment with an Affinity Financial
Advisor could also be beneficial!
Marriage is a good time to re-assess your
financial situation, but it certainly is not
the only instance in which you should
do so. Every couple and individual should
periodically review their financial plan.
An Affinity Financial Advisor can get the
ball rolling and help you create a plan that
will help you achieve your goals.
Contact an Affinity Financial Advisor
at 888.734.1300.
Affinity Connections | WINTER 2011 | affinityfcu.org 9

anch spotlight: New Providence
From Business Advice to Consumer Loans,
the New Providence Branch Does It All
It’s not unusual for an Affinity member to stop by the
New Providence branch just to say hello. On Saturdays,
they might even bring bagels.
“It’s that kind of a family feeling that we evoke,” said
Shindora Knox, Affinity Member Experience Officer. “A lot of
companies say they are into relationship building, but at
Affinity, we live it on a daily basis.”
That’s why it didn’t surprise the staff when a member
stopped in on her way to a job interview. “She had been out
of work for a while,” said Shindora, “and was excited to have
the interview. She came in to ask us how she looked.”
However, when the member returned to her car, it wouldn’t
start. She returned to the lobby to ask for help. That’s when
the Affinity team jumped into action.
Explains Shindora, “We called AAA but they require you to
wait by the car with your information. We didn’t want her to
miss the interview, so one of our team members drove her to
the interview while another stayed
with her car. By the time
she returned, the car
was fixed.”
“As it turns out, she got the job.
When she was ready to replace
that car, she financed her new one
through us.”
With You Every Step of the Way
That kind of happy ending is not
the only unique aspect of Affinity.
Shindora notes how Affinity offers
products and services that meet
the changing needs of members
as they reach life milestones.
“We have a member who has
been with us since his teenage
years, when he opened his
savings account,” said Shindora.
“He became a barber, and for the last 20 years has been
working with his mentor. Now, his mentor is retiring and
he wants to buy the business. We’re helping him with
the financing and we’ll continue to advise him in this
new venture.”
Member businesses often showcase themselves in the lobby,
and the branch sponsors quarterly business networking
events where members can share best practices.
Warm Atmosphere…and Cocoa
For business and consumer members alike, the
New Providence branch offers a warm atmosphere, complete
with complimentary coffee, tea and cocoa.
Community service is a priority at Affinity, as well as at
the New Providence branch. This year alone, the staff has
volunteered in more than 30 activities.
Shindora Knox,
Affinity Member Experience Officer.
“Everyone who works here has this innate desire to
serve,” said Shindora. “After all, that’s what Affinity
is all about.”
NEW PROVIDENCE BRANCH
A&P Shopping Center
598 Central Avenue
New Providence, New Jersey 07974
800.325.0808, ext. 3982
Hours: Mon-Wed, Fri, 8:30–6:00;
Thu, 8:30–7:00; Sat, 9:00–1:00
10 Affinity Connections | WINTER 2011 | affinityfcu.org

The 5-MinuteIRA Primer
Your Biggest Tax Mistake in 2011? Not Funding Your IRA for 2010!
There’s Still Time to Contribute...
Individual Retirement Accounts (IRAs) are probably one of the
most misunderstood and underutilized financial tools available.
A 2008 AARP study revealed that 44% of Americans don’t
understand how an IRA works. If you haven’t opened an IRA,
it’s a good idea to do so. IRAs offer amazing tax benefits that allow your
savings to compound much faster than if held in an ordinary taxable account.
Renée Vanek, President of Affinity Investment Services, gave Affinity Connections a
five-minute review of IRAs so you can make the most of the tax advantages these plans offer.
Remember, even if you have a retirement plan at work such as a 401(k), you can still contribute to an IRA!
IRA TYPES: TRADITIONAL AND ROTH
Traditional
In a Traditional IRA, you make contributions
with money you can typically deduct on your
income tax return. Even if you don’t qualify for
the income tax deduction, your money will still
grow, tax-deferred, until withdrawn for
retirement (after age 59 1/2, but no later than
age 70 1/2) at which time it is taxed.
Roth
With a Roth IRA, you make contributions with
money on which you’ve already paid taxes,
so your money grows tax-free. You can withdraw
your original contributions (but not earnings)
for any reason without penalty or taxes.
After contributing for at least five years and once
you have turned the age of 59 1/2, you can
withdraw as much as you want—100% tax free
and penalty free!
WHO CAN CONTRIBUTE TO AN IRA?
Anyone under the age of 70 1/2 who has earned
income* from employment may contribute.
The maximum contribution for tax year 2010 is
$5,000 or 100% of employment compensation,
whichever is less. Anyone age 50 or older may
make an additional contribution of $1,000.
WHAT IS THE CONTRIBUTION DEADLINE?
You have until April 15, 2011 to make your
2010 contribution. Contributions for 2011 may
be made at any time during the year up until tax
time next year.
HOW DO I LEARN MORE?
Contact an Affinity Financial Advisor at
888.734.1300, or visit affinityfcu.org/ira to learn
more about the features and benefits of IRAs.
* Deductions for a traditional IRA phase out based on income.
For more information, please contact your accountant.
Securities offered by
Affinity Investment Services, LLC,
73 Mountain View Boulevard,
Basking Ridge, NJ 07920, member
FINRA/SIPC. Investments offered by Affinity
Investment Services are not deposits or
obligations of Affinity Federal Credit
Union. They are NOT NCUA-INSURED and
NOT GUARANTEED by Affinity Federal
Credit Union or any governmental agency
and are subject to INVESTMENT RISK,
including LOSS of PRINCIPAL. Investments
may lose value. Affinity Investment
Services, LLC, is a wholly owned subsidiary
of Affinity Federal Credit Union.
TAX LAW CHANGE EXPANDS ROTH IRA CONVERSION ELIGIBILITY
A new tax law that went into effect in 2010 has removed the income limit for Roth IRA conversion eligibility, allowing anyone to switch a Traditional
IRA to a Roth IRA. Prior to last year, Roth IRA conversions were only possible if your modified adjusted gross income was under $100,000.
There is one important rule to know before converting—you need to pay federal income taxes on any portion of the conversion that you haven’t yet
paid taxes on. But, if you convert in the 2010 tax year, you can spread the payments over two years to lessen the impact.
TAKE ADVANTAGE OF IRAS BEFORE FILING YOUR TAXES
There is still time to open a new IRA or contribute to an existing account—and you may be able to deduct it on your 2010 income tax return!
Meet with an Affinity Financial Advisor to discuss:
Traditional/Roth IRAs—which is best for you?
Rolling over your 401(k) to an IRA—are you changing jobs, retiring or leaving a job? If so, it may be a great time to consolidate your investments
into a rollover IRA, which can also offer you a much broader range of investment choices.
For advice and information on IRAs, call an Affinity Financial Advisor at 888.734.1300 or visit affinityfcu.org/ira.
Affinity Connections | WINTER 2011 | affinityfcu.org 11

you asked – we answered
Online Banking: Managing Your Finances Made Easy
Online banking may have been a novelty in 1995 when it first
came into existence, but today millions of people consider it
a necessity. According to Fiserv Inc., a provider of financial
services technologies, four out of five U.S. households with
Internet access—nearly 68 million homes—use online banking
and bill payment services.*
Online banking is especially useful for individuals pressed for
time and/or who seek more control over their money.
To find out exactly what online banking has to offer, Affinity
Connections spoke with John Vitug, Electronic Services
Supervisor at Affinity.
Affinity Connections (AC):
What are some of the
advantages of online banking?
John Vitug (JV): Online
banking gives you the ability
to manage finances quickly,
easily and securely. It takes
almost everything you can
physically do at a branch
office or through the mail
and allows you to do it
virtually, including making
deposits. It is also environmentally
friendly, as it can
significantly reduce the
amount of paper used for
financial transactions.
AC: How safe is online banking?
JV: Some people unnecessarily
shy away because they think
online banking is not secure.
In my opinion, it is safer than
traditional mail because
online banking requires
many security layers. In fact,
online banking has taken
major strides in this area,
such as requiring stronger
passwords and more security
questions. Affinity also uses
the highest level of encryption
to ensure secure connections.
AC: Can I pay bills through
Affinity’s Online Banking?
JV: Members can use Online
Bill Pay to pay utility bills,
credit cards, and any other
bills. With Online Bill Pay,
you can also receive your bills
online, which is a “greener”
alternative to paper bills,
and are more efficient
because you don’t have to
wait for a bill to arrive in the
mail. Instead, you receive an
email notification letting you
know when a bill is available
for review. You simply login,
view your bill, then make an
online payment. You can also
set up automatic bill pay in
response to an Ebill.
AC: How can I make deposits via
online banking?
JV: Using a typical flatbed
scanner, Affinity’s Online
Deposit by Scan service
allows members to scan and
deposit checks into their
Affinity accounts anytime.
It eliminates trips to the
branch or ATM. Funds from
checks deposited by 4:00pm
are available the same business
day. And businesses that use
our Online Deposit Pro
service can save up to $600 1
in fees per year compared to
competing services who
charge for check scanning!
AC: How can online
banking help me manage
my personal finances?
JV: Affinity offers
FinanceWorks, a personal
financial management tool
that allows members to
completely manage their
finances and put their entire
financial picture in
perspective. You can track
spending habits, set goals,
and make projections of
income and expenses. It’ll tell
you if you are overspending,
based on your income and
other expenses, and it even
allows you to collect and
print out valuable
tax information.
AC: How about transactions
over a mobile phone?
JV: Affinity’s Mobile Banking
website allows members who
have cell phones with mobile
browsers to make basic
banking transactions from
their phone, including
viewing account information,
paying bills and transferring
funds. Affinity also offers text
message banking, so members
can receive account balance
alerts on their phones.
AC: What’s the easiest way
to sign up for Online Banking
at Affinity?
JV: Just go to affinityfcu.org/
firstlogin. From there, follow
the steps to access your
account. Please note that you
must have an AUDREY
telephone banking PIN before
you can access your account
online. For more information,
contact the Member Service
Center at 800.325.0808.
Source:
1
Comparison based on eight local and
national banks using the costs displayed
on their websites on January 1, 2010.
Reference:
*2009 Fiserv Survey of 88.2 million house-holds in the U.S. with Internet access.
12 Affinity Connections | WINTER 2011 | affinityfcu.org

usiness member spotlight
In each issue of Affinity Connections, we feature
a few of our business/select employee group
members. Please take a few moments to view
the information below and see if any of the
products and services can benefit you.
We’d like to thank the businesses who kindly provided information
for inclusion in this issue.
FRAZER, EVANGELISTA & COMPANY
Who They Are
Frazer, Evangelista & Company is a full-service public
accounting firm committed to providing the highest
level of quality and client satisfaction. The firm offers
accounting services, management advisory services,
and financial services. With extensive practical
experience in both accounting and tax compliance,
Frazer, Evangelista & Company offers a two-fold
advantage: it helps firms successfully
operate their business, while
minimizing taxes to retain profits.
Reach Out
Frazer, Evangelista & Company, LLC
197 State Highway 18 S
Turnpike Plaza Suite 310N
East Brunswick, NJ 08816
732.249.8900
www.frazerevangelista.com
NJ WAIT STAFF
Who They Are
NJ Wait Staff provides off-premise professional
wait staff for social and corporate party planning
throughout Middlesex and Monmouth
counties. By hiring NJ Wait Staff, you get to
enjoy being a guest at your own party. Each
person on staff is experienced in food and
beverage service and will arrive formally attired
in black slacks, white shirt and black tie.
NJ Wait Staff also provides personal shopping
and errand services, as well as cleaning services.
Reach Out
NJ Wait Staff
P.O. Box 847
Keyport, NJ 07735
732.583.9460
www.njwaiterstaff.com
If you are a current business member of
Affinity and would like us to feature your
company in a future issue, please send
your name, company name, website
address and phone number to
connections@affinityfcu.com.
If you are selected for a future issue,
you will be notified.
BRUEN CUSTOM BUILDING
Who They Are
Bruen Custom Building, LLC, has been helping customers maximize their
remodeling investment since 1996. They provide comprehensive design/build
services and guide their customers from initial design ideas through the
completion of construction. The company was one of an elite group of designers
who transformed this year’s Mansion in May fundraiser for Morristown Memorial
Hospital. Bruen Custom Building also won the
Gold Award for Room Remodel in the Qualified
Remodeler magazine 2010 Master Design Awards!
Reach Out
PC Security Net Corp.
Joseph Mascia
347 West 57th St., Suite 41D
New York, NY 10019
877.951.7276
www.pcsecuritynet.com
sales@pcsecuritynet.com
Reach Out
Bruen Custom Building, LLC
63 Gaston Road
Morristown, NJ 07960
973.267.5100
www.bruendesignbuild.com
SYMPHONY COACHING
Who They Are
After 20 years as a corporate citizen, Willa Edgerton-
Chisler created Symphony Coaching, LLC, a coaching
and consulting company that helps business owners,
non-profit organizations, and individuals embrace
change, career and personal development, and
diversity inclusion. A symphony of sales, customer
relationship management, human capital development,
and diversity and inclusion strategies have provided
Willa with a well-rounded perspective and the
business acumen needed to understand, empathize
with and support her clients so they can actualize their vision and
“orchestrate their lives’ symphonies.”
Reach Out
Symphony Coaching, LLC
623 Eagle Rock Ave., #156
West Orange, NJ 07052
973.493.2400
www.symphonycoaching.com
info@symponycoaching.com
PC SECURITY NET
Who They Are
PC Security Net Corp. has recently introduced
an innovative, user-friendly personal security
application called Click2BSure. This app
gives computer users the ability to request a
response to an emergency with just a mouse click.
Text and email alert messages are immediately sent
to multiple emergency contacts, including first
responders, friends and family members.
Special Offer: Affinity members can use promo
code “AFCU20” and receive a 20% discount off
their purchase.
Affinity Connections | WINTER 2011 | affinityfcu.org 13

welcome new businesses
Since the last edition of Affinity Connections, the following
businesses have joined the Affinity Federal Credit Union family.
We’d like to thank you for choosing Affinity.
As a member, your immediate family
can be Affinity members, too!
Spread the word to your parents, grandparents, spouse,
siblings, children, grandchildren and household members, and
have them contact us at 800.325.0808 to join today.
Thank you for
choosing Affinity
ACCOUNTING
DAC Management Corporation
ARCHITECTURE
Bridgewater Oaks Homeowners Association
Fitzgerald Architecture Studio
ASSOCIATIONS
New Jersey Electrical Contractors
Association, Inc (NJECA)
Utility Workers Union of America, AFL-CIO,
Local 423
ATTORNEYS
Gaul, Baratta & Rosello, LLC
AUTOMOTIVE
Dazooma Express, LLC
Somerset Hills Classics, LLC
Towne Hyundai
CONSTRUCTION
AJ Dellavalle Builders, Inc.
All Work Company
CPR Home Improvements, LLC
M&M Fanelli, LLC
NES Solar, LLC
Pollock Brothers Group
WellHome
CONSULTING/CPA
Floura, LLC
Four Nobles Consulting
Hy Appelbaum, CPA
Norman M. Fleischer, CPA, LLC
SocialGrow, Inc.
Total Merchant Resources
EDUCATION
Success Ladder Enterprises, LLC
Think Fast
ELECTRICIAN/ENGINEERING
Bender Enterprises, Inc.
CCS Materials
Veeco Instruments, Inc.
FINANCIAL
Samson Management Services, LLC
HEALTHCARE
Ben-Ezra Chiropractic Family Wellness Center
Care Alternatives Hospice
Danielle Keeter
Natural integrated Medicine
Practice Synergy, LLC
HOSPITALITY
Peachcroft, LLC
HR CONSULTING
Walsh HR Transitions, LLC
INFORMATION TECHNOLOGY
ASL Technologies, LLC
Bruns-Pak
Donia and Associates, LLC
JTW Consulting Services, LLC
Mark Johnson Programming Services
Solution Managers International
Square One
Titan Technologies, LLC
LANDSCAPING
Hightop Landscaping, LLC
Saga Landscaping & Trucking, LLC
MARKETING
Captivate
Multivision Communications, Inc.
Ogilvy CommonHealth
Paragon Marketing Group, LLC
Real World Promotionsg
RectangleMedia
NON-PROFIT
Dress for Success Morris County
Girl Scouts Hear of NJ Troop 65727
Hunterdon Land Trust Alliance
Northern Stars Toastmasters
Shiloh Assembly of God
Watchung Stables Auxiliary, Inc.
YM-YWHA of Union County
PHARMACEUTICAL
Contained Technologies, LLC
Medco Health Solutions, Inc.
PROFESSIONAL SERVICES
All Out Fire Protection, LLC
Atlantic Title and Settlement Service, LLC
AUSA Sanitation, Inc.
Dana Lane Photography, LLC
Eco Star
Keep It Clean Specialist, LLC
PNM Solutions, LLC
Premier Concierge Services, LLC
Savvy Marketing Entertainment
Road Runner Bail Bonds
Ryan Video Productions
Taylored Travel, Inc.
REAL ESTATE
Certified Valuations, Inc.
Davara Industrial Center
Hopkins Group, LLC
KTL Properties, Inc.
Property Solvers, LLC
RMP Commercial, LLC
RESTAURANT
Belford Seafood Co-Op
Classic Foods, Inc. DBA Burger King
Haiback Enterprises, Inc. DBA Friendly’s
Kracke Enterprises, Inc. DBA Friendly’s
O’Brien’s Bistro, LLC
Santkrupa, LLC
RETAIL
Briante, LLC
Cross Cuts Multicutural, LLC
D&E Window and Door, LLC
LA Perfection Hair
Solutions Too Hair Studio
TRANSPORTATION
Wilkerson Transportation
If you know of a business or
organization that would like to learn
about Affinity’s business services and
membership benefits, p lease ask the
office contact to call 800.325.0808.
We’ll be happy to talk about the
Affinity Federal Credit Union difference.
14 Affinity Connections | WINTER 2011 | affinityfcu.org

TIPS ON
TIDYINGUP
It may be hard to believe as you unbundle from your hat, scarf, and winter coat,
Your Finances
but spring is right around the corner. Along with the warmer weather, blooming flowers, and tax day is the ritual of spring cleaning.
One task to add to your annual routine is to organize your finances. It’s more than tossing out old paperwork, though. You should
conduct regular maintenance to get the most out of every dollar. Below are tips that can help build wealth all year round.
1 Polish Your Credit
Credit reports are being used for everything from setting insurance rates to evaluating job
candidates. Get a free copy of your report at AnnualCreditReport.com. Make sure your
report is accurate including your credit limits. Also beyond your credit report, you should
review your interest rates and rewards programs associated with your credit cards. Compare
them with other cards to make sure you are getting the best deal. Also, speak to a
credit card coach to help keep you on the right track toward improving your credit.
2 Go Paperless
Receive financial statements and bills electronically.
Just be sure to back up your computer regularly.
Set up email alerts for your bills to make sure you
don’t miss a payment and get hit with a late fee.
Affinity offers Online Banking services that can help
get you started at affinityfcu.org/onlinebanking.
Tear-out chart for handy reference
3 Clean Up Your W-4
The average tax return last year was $3,036. 1 If you received a large
refund, it may mean your W-4 form does not list all your withholdings.
Visit www.irs.gov and use the withholding calculator to see if you can get
more out of your paycheck.
5 Invest in DIY Projects
Maintenance is key to protecting your most important asset—
your home. Spring is the perfect season to clean gutters and
inspect your roof. These simple tasks can help eliminate trapped
moisture that can cause major home damage.
7 Dust Off Your Portfolio
Chances are you will gather investment forms to do
your taxes. Take the opportunity to review them with
an Affinity Financial Advisor and make sure you are
progressing towards your goals.
9 Organize Your Passwords
Tired of keeping track of all your passwords? Clean up your work area with
programs such as 1Password (www.agilewebsolutions.com) or Passwords Plus
(www.dataviz.com). Both let you store passwords and other important data
directly in a secure file.
4 “Green” Landscaping
4 When “Green” you do traditional Landscaping
spring cleaning outside, think “green,” as in
When saving you dollars. traditional Fresh landscaping spring cleaning is not outside, just aesthetically think “green,” pleasing, it
saving can dollars. help cool Fresh your landscaping house. Carefully is not planted just aesthetically trees can pleasing, prune up itto
can 25% help off cool your your energy house. bill Carefully during the planted summer. trees 2
can prune up to
25% off your energy bill during the summer. 2
6 Off-season Projects
If your roof does need fixing, the early spring is when the work should be
done. Roofing companies charge a premium in the summer and many will
offer a better deal in the early spring. Patios and walkways are other projects
that usually cost less in the early spring compared to the summer.
8 Consolidate Investments
Renée Vanek, President of Affinity Investment Services, has another tip when reviewing your
portfolio. “Our Financial Advisors can help organize and consolidate your investments to fit
your current situation. For example,
7 Consolidate
we can help roll old
Investments
401(k) accounts into an IRA,
which offers more investment choices.”
Reneé Vanek, President of Affinity Investment
Services, has another tip
10 when Virtual reviewing Garage your portfolio. Sale“Look at
Once investments you’ve finished like your they’re traditional closets. spring cleaning, sell what
you no Ask longer yourself, want ‘What on auction am I sites not such really as using Craigslist and Ebay.
Can’t sell it? Donate it! It’s never too early to think about
deductions for your 2011 tax return.
Let an Affinity Financial Advisor help with
YOUR FINANCIAL SPRING CLEANING.
Call 888.734.1300, visit affinityfcu.org or stop by one of our branches.
References:
1
http://www.usatoday.com/money/perfi/taxes/2010-03-22-
taxrefunds22_ST_N.htm
2
Energy Savers Booklet: Tips on Saving Energy & Money at
Home, U.S. Department of Energy, May 2009
Other Source:
http://www.buzzle.com/articles/save-money-doing-homeimprovements-out-of-season.html
Securities offered by Affinity Investment Services, LLC, 73 Mountain View Boulevard, Basking Ridge, NJ 07920, member FINRA/SIPC. Investments offered by Affinity Investment Services are
not deposits or obligations of Affinity Federal Credit Union. They are NOT NCUA-INSURED and NOT GUARANTEED by Affinity Federal Credit Union or any governmental agency and are
subject to INVESTMENT RISK, including LOSS of PRINCIPAL. Investments may lose value. Affinity Investment Services, LLC, is a wholly owned subsidiary of Affinity Federal Credit Union.
Affinity Connections | WINTER 2011 | affinityfcu.org 15

73 Mountain View Blvd.
Basking Ridge, NJ 07920
Std. Presort
PAID
Permit No. 250
Southampton, PA
Cert no. SW-COC-1980
Affinity Connections magazine is printed entirely on
Forest Stewardship Council certified paper. FSC
certification ensures that the paper used in this
magazine contains fibers from well-managed and
responsibly harvested forests that adhere to strict
environmental and socioeconomic standards.
Please join Affinity in our commitment to improving
the environment by recycling this magazine.
Printed on recycled paper –
50% recycled and 25% post-consumer waste.
Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government
National Credit Union Administration, a U.S. Government Agency
FOR YOUR
CONVENIENCE
Here is a listing of Affinity Public Access Branches and their hours:
Basking Ridge Branch
Mountain View
Corporate Center
73 Mountain View Blvd.
Basking Ridge, NJ 07920
800.325.0808, ext. 7208
Lobby & Drive-Up
Mon–Wed, Fri, 8:30– 6:00
Thu, 8:30–7:00
Sat, 9:00–1:00
Bedminster Branch
1520 Route 206 North
Bedminster, NJ 07921
800.325.0808, ext. 7237
Lobby & Drive-Up
Mon–Wed, Fri, 8:30– 6:00
Thu, 8:30–7:00
Sat, 9:00–1:00
Cedar Knolls Branch
Morris County Mall
235 Ridgedale Ave.
Cedar Knolls, NJ 07927
800.325.0808, ext. 7232
Mon–Fri, 8:30–6:00
Thu, 8:30–7:00
Sat, 9:00–1:00
Denville Branch
Saint Clare’s Hospital
25 Pocono Road
Denville, NJ 07834
973.625.6699
Mon–Wed, Fri, 8:30– 4:00
Thu, 8:30–6:00
Sat, 9:00–1:00
Dover Branch
Saint Clare’s Hospital
400 W. Blackwell Street
Dover, NJ 07801
973.537.3850
Mon–Wed, Fri, 8:30– 4:00
Thu, 8:30– 4:30
Flemington Branch
275 Route 202 South/
31 South
Flemington, NJ 08822
800.325.0808, ext. 3550
Mon–Wed, Fri, 8:30– 6:00
Thu, 8:30–7:00
Sat, 9:00–1:00
Hillsborough Branch
Hillsborough Promenade
315 Route 206 North
Hillsborough, NJ 08844
800.325.0808, ext. 7390
Mon–Wed, Fri, 8:30– 6:00
Thu, 8:30–7:00
Sat, 9:00–1:00
Middletown Branch
Country Square
Shopping Center
1860 Route 35 South
Middletown, NJ 07748
800.325.0808, ext. 3561
Mon–Fri, 8:30–6:00
Thu, 8:30–7:00
Sat, 9:00–1:00
Morristown Branch
Country Mile Village
1098 Mt. Kemble Ave.
Morristown, NJ 07960
800.325.0808, ext. 3770
Lobby & Drive-Up
Mon–Wed, Fri, 8:30– 6:00
Thu, 8:30 –7:00
Sat, 9:00–1:00
New Providence Branch
A&P Shopping Center
598 Central Ave.
New Providence, NJ 07974
800.325.0808, ext. 3982
Mon–Fri, 8:30–6:00
Thu, 8:30–7:00
Sat, 9:00–1:00
Paramus Branch
AT&T Wireless
15 East Midland Ave.
Paramus, NJ 07652
800.325.0808, ext. 7264
Mon–Wed, Fri, 8:30–4:00
Thu, 8:30–5:30
Piscataway Branch
Next to IHOP
1342 Centennial Ave.
Piscataway, NJ 08854
800.325.0808, ext. 7259
or ext. 7258
Lobby
Mon–Wed, Fri, 8:30– 6:00
Thu, 8:30–7:00
Sat, 9:00–1:00
Drive-Up
Mon–Wed, Fri, 8:00–6:00
Thu, 8:00–7:00
Sat, 9:00–1:00
You can also access your accounts via 50,000+ surcharge-free
ATMs, at 4,100+ shared branches, or through Online Banking.
For information, visit affinityfcu.org/locator.
CONTACT US BY CALLING OUR MEMBER SERVICE CENTER OR ONLINE:
800.325.0808 • affinityfcu.org