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- Open an Account
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
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.
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.|
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.
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
|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|