COUNTRYUnited States
Detailed information about SWIFT Code APFDUS44

Detailed information about SWIFT Code APFDUS44

What is a SWIFT Code?

SWIFT stands for the Society for Worldwide Interbank Financial Telecommunications. A SWIFT code, also sometimes called a SWIFT-BIC code or BIC code, is an 8 to 11 digit code that identifies details like the bank, country, and location of a financial institution.

SWIFT codes facilitate international money and security transfers between institutions. They allow automated messages to be sent without having to constantly look up institutions or account details.

Purpose of a SWIFT Code

The main purpose of SWIFT codes is to provide secure communication messages between two parties concerning financial transactions.

They function similarly to routing numbers, account numbers or sort codes which help identify specific banks and transfer money between them quickly and easily.

However, SWIFT codes are global codes, meaning they are recognized internationally and not restricted to domestic transfers.

Structure and Components of a SWIFT Code

SWIFT codes have 8 to 11 alphanumeric characters broken into four sections:

  • Bank Code (4 characters): Also known as the logical institution or the institution code. Identifies the bank.
  • Country Code (2 characters): Indicates the country location of the bank.
  • Location Code (2 characters): More specific location details of the bank branch.
  • Branch Code (3 characters): Optional branch code used to identify a specific branch of the bank.


  • Bank Code: ABNA
  • Country Code: US (United States)
  • Location Code: 6L
  • Branch Code: Not used

Now let’s break down the key details of the SWIFT code APFDUS44

Details on SWIFT Code APFDUS44

Financial Institution Information

  • Name: Affinity Plus Federal Credit Union
  • Address: 175 Lafayette Frontage Road, Saint Paul, MN 55107
  • Country: United States

SWIFT Code Breakdown

  • Bank Code: APFD
  • Country Code: US (United States)
  • Location Code: 44
  • Branch Code: Not used

So in summary, the SWIFT code APFDUS44 identifies the Affinity Plus Federal Credit Union bank in the United States.

Sending Money Abroad

Sending money internationally directly through banks can be quite costly due to various fees. Common fees include:

  • Transaction fees per transfer
  • Incoming/receiving fees
  • Currency exchange rate fees
  • Intermediary bank fees

To save on international transfer fees, consider using money transfer services like:

  • Wise – Low cost transfers with transparent fees
  • Xoom
  • WorldRemit
  • TransferWise

These services frequently have lower fees compared to typical bank rates.

Affinity Plus Federal Credit Union

Affinity Plus Federal Credit Union is a not-for-profit financial cooperative based in Saint Paul, Minnesota founded in 1931 to serve employee groups and associations.

Memberships are open to various employee groups, alumni associations, chambers of commerce and more. The credit union has around $4 billion in assets and over 400,000 members.

Affinity Plus offers a full range of financial products and services including checking & savings accounts, lending, credit cards, mortgages, investment services, insurance and business banking solutions.


The SWIFT code APFDUS44 identifies Affinity Plus Federal Credit Union located in Saint Paul, Minnesota, United States. This 8 character code broken into a bank code (APFD), country code (US), location code (44) helps enable international transfers between the bank and overseas financial institutions.

When sending or receiving money internationally, check if your bank has transparent fees or consider more affordable money transfer services. Credit unions like Affinity Plus offer similar services as retail banks that consumers may consider exploring as an alternative option.


What is the routing number?
The routing number identifies a financial institution for domestic transfers. For Affinity Plus Federal Credit Union the routing number is 296078784.

Can I send money internationally without a SWIFT code?
You typically need the recipient’s SWIFT code or other bank account details when sending money internationally or the bank/provider may charge higher fees.

How do I find the SWIFT code for my bank? The SWIFT code can usually be found on your bank account statements, bank’s website or by contacting your bank.

Why do we need SWIFT codes? SWIFT codes allow for fast, standardized electronic messages between banks and other financial institutions enabling international payments and seamless global money transfer.

How many digits are in a SWIFT code?
SWIFT codes can range from 8 to 11 digits long. Most commonly they are 8 or 11 digits long.

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