Affinity Federal Credit Union is not technically a commercial bank; rather, it is a member-owned, not-for-profit financial cooperative. While it offers many of the same everyday consumer financial products as traditional banks—such as checking accounts, savings portfolios, mortgages, and auto loans—its structural framework operates on a cooperative model where account holders are member-owners rather than outside corporate shareholders. Furthermore, member deposits are federally insured up to standard regulatory limits by the National Credit Union Administration (NCUA), providing the same baseline security guarantees found in FDIC-insured commercial banking institutions.