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Home » Savings » Savings Accounts
Savings Accounts is rated 4.7 out of 5 by 495.
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Multiple Choices. Added Benefits. A Strong Financial Future.

A Savings account is all you need to open your membership with Apple Federal Credit Union. For a minimum of just $5, you will have access to a full range of financial solutions. Let us help you reach your savings goal. Open your Savings account today—once a member, always a member.

  • $5 minimum opening deposit
  • Establishes membership with the Credit Union
  • No monthly fees
  • Your money is always safe and secure
Want More?

Check out our Savings accounts exclusively designed for Students and Teachers. Plus, we offer a variety of Club Accounts to help you save more.

NCUA Insured

Rest assured, your money is safe and secure with Apple. All deposits are federally insured up to $250,000 by the National Credit Union Administration, an agency of the United States Government. IRA accounts are insured up to an additional $250,000.

Ask a Question about our Savings Account

Apple offers two distinct savings options for those seeking higher rates. Whether you choose a Money Market or a Super Money Market account, you will earn a competitive yield with easy access to your money at any time.

Money Market Account Super Money Market Account
Tiered rates for higher balances. Requires $100,000 minimum deposit to earn premium rate.
  • Convenient access to your funds, by phone, in-person or by check
  • Make up to six (6) withdrawals each month
  • Balance inquiries and transfers can be made through Online Banking or PAT
  • Receive up to one (1) box of FREE checks each calendar year
Ask a Question about our Money Market Accounts

Heighten your earning potential and lock in higher rates with an Apple Certificate. We offer several options to best fit your savings goal.

Certificate Term APY* %
Share and IRA Certificates - minimum deposit $500
6 Month 0.85 %
12 Month 1.35 %
15 Month 1.35 %
24 Month 1.60 %
36 Month 1.75 %
36 Month Step-Up 1.50 %
48 Month 1.85 %
60 Month 2.15 %
84 Month 2.40 %
120 Month 2.60 %
Jumbo Certificates - minimum deposit $50,000
12 Month 1.40 %
36 Month 1.80 %
60 Month 2.20 %

*APY = Annual Percentage Yield. APY is subject to change without notice.

A penalty may be imposed for early withdrawals. If the certificate is redeemed prior to the maturity date the following penalty will apply: If the term is 6 months or less – the lesser of dividends earned since issuance or renewal or 90 days dividends; if the term is over 6 months to 60 months – the lesser of dividends earned since issuance or renewal or 180 days dividends; if the term is greater than 60 months –the lesser of dividends earned since issuance or renewal or 1095 days dividends. There is no penalty for withdrawals as a result of the death of any owner. If the certificate is redeemed within 10 days of renewal, no penalty will apply.

Fees could reduce earnings on the account.

Ask a Question about our Certificates

eXtras Student Savings

Watch your savings grow with an Apple eXtras Student Savings account. Designed for members’ age 23 years old or under, this is a great account to start for yourself, your children, grandkids, niece or nephew. Learn More

Summer Pay Account

Designed for teachers, this EXCLUSIVE account allows you to create your own pay program for the warm-weather months when you may not receive a paycheck. Learn More

Ask a Question about our eXtras Student Savings Account
Account Type APY* Minimum Opening Deposit Compounded
Advantage Checking 0.20 % $15 Monthly
Investors Checking (Up to $19,999) 1.25 % $15 Monthly
Investors Checking ($20,000 or more) 0.20 % $15 Monthly
Savings & Club Accounts
Regular Savings 0.10 % $5 Monthly
eXtras Student Savings (up to $1,499) 2.00 % - Monthly
eXtras Student Savings ($1,500 or more) 0.10 % - Monthly
Education SuperSaver 2.00 % - Monthly
Coverdell Education Savings 4.00 % - Monthly
Summer Pay (Educator Exclusive) 1.00 % - Monthly
Holiday Club Account 0.25 % - Monthly
Vacation Club Account 0.25 % - Monthly
Money Market Account
Money Market (up to $2,499) 0.20 % - Monthly
Money Market ($2,500 - $19,999) 0.50 % Monthly
Money Market ($20,000 - $49,999) 0.60 % Monthly
Money Market ($50,000 or more) 0.70 % Monthly
Super Money Market Account
Super Money Market ($99,999 or less) 0.20 % - Monthly
Super Money Market ($100,000 or more) 0.80 % $100,000 Monthly
Individual Retirement Accounts (IRA) - Traditional, Roth and SEP
IRA Share (up to $19,999) 0.40 % - Monthly
IRA Share ($20,000 - $49,999) 0.50 % - Monthly
IRA Share ($50,000 - $99,999) 0.60 % - Monthly
IRA Share ($100,000 and over) 0.70 % Monthly
Rated 5 out of 5 by from Fantastic Professional Establishment I have been a member of Apple Federal Credit Union since the 90’s and have enjoyed this union ever since. If I ever had issues or questions about their services, a customer-friendly representative always provided professional knowledgeable support. There has never been question that I have asked that was not resolved. When I lost by job, they worked with me to lower my monthly payments, which was a tremendous help. I'm just the average customer, but the staff always been made feel important at any branch I visited or any phone call I made to the establishment. I would gladly and have recommended Apple Federal Credit Union to everyone I know.
Date published: 2015-08-13
Rated 5 out of 5 by from Relief for Educators & A+ for Apple FCU It used to be that teachers had a choice when it came to being paid in the summer; YES or NO. My school district does not give teachers the option to be paid in the summer. Apple FCU's Summer Pay program essentially takes care of that! Each month, Apple takes money from my paycheck and puts it in a special account. In the summer, the money is then distributed equally each month! I no longer have to worry about how I am going to cover summer expenses nor do I have to calculate the money during the school year. It is easy to start, easy to maintain and keep track of, and the staff at Apple FCU are incredibly knowledgeable about this program. I am continuously recommending it to all my fellow educators.
Date published: 2015-08-27
Rated 5 out of 5 by from Awesome savings account I had my extra student savings account from ages 16-23 and it was so helpful. When I moved out of state, I almost switched banks but I couldn't find any with rates as good as this one. Being a young adult on my own, it was hard to keep money in my account after all the bills were paid, but seeing how much I earned even with my little amount in there made it worth it. I would recommend this account to anyone and everyone eligible! The app was easy to use and understand and the breakdown of my account was fun to see and helped me manage my money better.
Date published: 2015-08-14
Rated 5 out of 5 by from Best America car loan. I wanted to buy an old car in auction but I decided to go to the dealers to find out if I can get a used but new car. I chose a Toyota Corolla 2014 but neither my pocket, nor my credit can't pay the price. The seller led me to the financing representative. He tried a first financing institute that didn't accept . He said: " let's go to Apple Federal Credit Union". After a while, he came back to us and said:" they agreed ". And everything went well and I got my dream car that I'll finish to pay in six years at a very very low interest. I grabbed my keys really excited. Thank you Apple Federal Credit Union for helping needy people who don't have means.
Date published: 2017-11-25
Rated 5 out of 5 by from Feeling like a queen! I opened a savings account with Apple Federal about six years ago, when an offer was made at my school to receive money for the account for opening it. Each year, I add a bit to the account in order to prevent it from being closed. I have been treated very well every time I enter the lobby to make the deposit. The lobby is attractive, the clerks at the counter smile at me and help me with speedy professionalism. I receive a discount on my insurance due to the account, which is the main reason I opened the account. I am appreciative of the services of Apple Federal and the benefits from the account. I have only positive thoughts and comments. I am grateful for this avenue for savings.
Date published: 2015-07-22
Rated 4 out of 5 by from Kid's Saving Account I'm a baby still, so I have no conception of the benefits of saving, or even money itself. In fact, I'm still illiterate and have barely managed a "Mama". That said, I'm well on my way to paying for my first car, or college, thanks to the easy way my parents can connect their accounts to mine and transfer gifts in. I don't know it yet, but I'm a pretty lucky little girl! The only problem Dad complains about is not having the account on the same page online as his own- he has to switch back and forth. If they'd fix that I'm sure he would have nothing but good things to say.
Date published: 2017-03-06
Rated 5 out of 5 by from Just Plain Easy The thing that I like about my accounts with Apple Federal is they are simple to work with. I can easily transfer money I have in one account to another account. It doesn't take as long as other banks either. The online platform is built very well and makes understanding your balance and account history easy. When I opened my account with Apple Federal they did not have mobile banking. I was very pleased with the mobile version that they released. It just like the web version is straight to the point without the unescessery clicking. I always turn to Apple Federal first when in search for a loan or other financial needs.
Date published: 2016-08-24
Rated 1 out of 5 by from slow service Sometimes people can't go during "business hours"...when we do go to local branch to do business, seems there is always an hour wait, and the last time-there was only one customer talking with the banker. So why an hour? Also was there first Saturday of December to add saving, open CC card acct-and over two weeks later-still no card. Funny-same day change another bank accounts, ordered new checks, new cards-got them in 3 days. but Apple needs over 2 weeks to send new cards? Sad, and I have to rethink my account-should have gone w/ my regular bank-the response times would have been greatly improved. Step up your game Apple, or your gonna lose a "new" customer before you get started.
Date published: 2017-12-17
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I'm want to transfer $ from an IRA to a new money market acct at the credit union. What are the steps I need to take?

Asked by: Brenda 70
If the IRA is at Apple FCU, please complete the IRA withdrawal request found here: (at the bottom, click 'manage an existing IRA' ). Then, simply select the type of IRA you have to get started. It'd be best to have your new Money Market account opened prior to completing the request. You can easily do that within Online Banking or our Mobile App using the 'Add an Account' feature, if you haven't already. Should you need assistance, please call 703-788-4800 or securely chat with a representative within Online Banking.
Answered by: AppleFCU
Date published: 2018-01-03

For CDs it is noted that fees may reduce the earnings on the account. We are interested in setting up a "ladder" of CDs, but need to know about these fees.

Asked by: Mark1
There are no fees to open the account; only an early withdrawal penalty assessed against any earned dividends. Here's the official language from our account disclosures ( Early withdrawal penalties: If the certificate is redeemed prior to the maturity date the following penalty will apply: - If the term is 6 months or less - the lesser of dividends earned since issuance or renewal or 90 days dividends. - If the term is 6 months to 60 months - the lesser of dividends earned since issuance or renewal or 180 days dividends. - If the term is greater than 60 months - the lesser of dividends earned since issuance or renewal or 1,095 days dividends. Withdrawals needed to comply with IRS RMD requirements are permitted without penalty. There is no penalty for withdrawals as a result of the death of any owner. If the certificate is redeemed within 10 days of renewal, no penalty will apply. Withdrawal of dividends prior to maturity: If dividends are withdrawn during the term of the certificate, the Annual Percentage Yield and earnings will be reduced. Should you have any questions or need assistance with setting up your CD ladder, contact 703-788-4800 (800-666-7996 toll-free).
Answered by: Apple FCU
Date published: 2017-12-29

Please tell me how I could open a CD account remotely. I have a retirement annuity check and I wish to deposit it before the end of 2017. I have a savings and checking account with AFCU.

Asked by: Irish Lass
Within Online Banking or the App, use the 'Add an Account' option from the menu to add a new Certificate. You can also call 800-666-7996 and a representative will be able to assist you.
Answered by: AppleFCU
Date published: 2017-12-18

How do you sign up for a student saving account?

Asked by: reve
If you're already an Apple FCU member, simply login to Online Banking or the Mobile App and click 'Add an Account'. If you're not yet a member, join at and then login to proceed as mentioned. Of course, you can also visit any branch as well. We look forward to serving you.
Answered by: AppleFCU
Date published: 2017-12-14

If I had $8k to put into a money market account what kind of return could I expect to receive?

Asked by: Seana
For a list of our current Apple FCU Money Market rates, visit You'll find Money Markets in the third section. We'd also encourage you to check out our Certificate rates at Terms start as little as 6 months, and the rates are much higher.
Answered by: AppleFCU
Date published: 2017-12-14

How do I make a deposit at the ATM if I don't have an Apple Federal Credit Union card?

Asked by: morgan1999
You'd need to obtain an Apple FCU Debit Card (which can be linked to either an Apple FCU Savings or Checking) to be able to complete any ATM transaction (deposit, balance inquiry, withdrawal, etc.). Cards can be instantly-issued and activated at any branch (, or you can order by phone at 703-788-4800. If by phone, the card will take up to 14 business days to arrive.
Answered by: AppleFCU
Date published: 2017-11-20

What are you money market rates for $100000?

Asked by: Debdeb
To view rates for an Apple FCU Super Money Market, visit You'll find it near the bottom of the page.
Answered by: AppleFCU
Date published: 2017-11-16

Can I go to atm and draw money from savings?

Asked by: Meeoteeo
Yes, you can withdraw money from your Apple FCU Savings account from any ATM. To search by zip code for the 53,000+ Surcharge-FREE ATMs you have access to as a member, visit
Answered by: AppleFCU
Date published: 2017-11-10
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