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Home » Personal Banking » Savings » Savings Accounts
Savings Accounts is rated 4.7 out of 5 by 442.
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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 0.75 %
12 Month 1.25 %
15 Month 1.25 %
24 Month 1.50 %
36 Month 1.75 %
36 Month Step-Up 1.50 %
48 Month 1.85 %
60 Month 2.00 %
84 Month 2.25 %
120 Month 2.60 %
Jumbo Certificates - minimum deposit $50,000
12 Month 1.30 %
36 Month 1.80 %
60 Month 2.05 %

*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) 0.10 % - Monthly
Money Market ($2,500 - $19,999) 0.30 % Monthly
Money Market ($20,000 - $49,999) 0.35 % Monthly
Money Market ($50,000 or more) 0.40 % Monthly
Super Money Market Account
Super Money Market ($99,999 or less) 0.10 % - Monthly
Super Money Market ($100,000 or more) 0.50 % $100,000 Monthly
Individual Retirement Account (IRA)
Traditional IRA Share (up to $19,999) 0.30 % - Monthly
Traditional IRA Share ($20,000 - $49,999) 0.35 % - Monthly
Traditional IRA Share ($50,000 - $99,999) 0.40 % - Monthly
Traditional IRA Share ($100,000 and over) 0.50 % 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 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 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 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 5 out of 5 by from Excellent Savings Account for Students This is a great way for students to save money and earn interest on their savings. Easy to use account, and easy to save any student earnings. Convenient access on line and in person at the many local branches in schools and around Fairfax County. As a mother and someone who has taught about financial skills in FCPS, I can honestly say this student savings account is a great way for students to learn the benefits of saving and to learn good financial management skills.
Date published: 2015-08-15
Rated 5 out of 5 by from eXtras Student Savings Account This account is great for high school, and college students. It is a great way to save your money, while earning a higher interest rate than your typical student account. Apple caters to high school students by allowing school branches to promote this type of account. You can even check the balance of this account through the apple federal credit union app. It allows you to make transfers if you need some spending money. The eXtras student savings account is and has been a great account for me that I plan to use for years to come.
Date published: 2015-08-13
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What are the rates of a money market for about $5000.?

Asked by: Anonymous
For current rates on an Apple FCU Money Market, please visit https://www.applefcu.org/AppleWeb/Rates#tab2; they're in the third section. When you're ready to open the account, simply login to Online Banking/Mobile App and select 'Add an Account' (follow the 'Savings' path). You can fund it in a few clicks! If you have further questions, please feel free to call 703-788-4800.
Answered by: AppleFCU
Date published: 2017-06-20

I'm interested in rounding up my spending by the dollar into my savings account. Is this a service Apple provides?

Asked by: Jenn2017
Apple FCU does not offer an option that would automatically divert money to savings based on transaction amount. You can, however, setup automatic transfers in any denomination/timing as you choose, easily within Online Banking. These transfers can be made into the account of your choosing... perhaps a Holiday/Vacation Club, Checking, Money Market or other higher interest-bearing account. For current rates, visit https://www.applefcu.org/AppleWeb/Rates#tab2.
Answered by: AppleFCU
Date published: 2017-06-20

Filling out "Payroll Direct Deposit Authorization Form" ~ what goes in the blank that reads: " This request remains in effect until has received written notification from me of my intent to terminate this agreement."

Asked by: Anonymous
The name of your Employer should be included in that space. If you have further questions, please call 703-788-4800.
Answered by: AppleFCU
Date published: 2017-06-06

I have a savings account and i was issued an visa dcard as it says on it so i tried to do a purchase on amazon using this card but the payment was declined by AFCU, so i wish to know why.

Asked by: Armstrong
For account-related questions, please call 703-788-4800 or login to Online Banking and click the 'Live Chat' button on the right side of the screen. We look forward to assisting you.
Answered by: AppleFCU
Date published: 2017-06-01

I would like to transfer savings into the Super Money Market Account. I have more than $100,000.  How do I do that?

Asked by: NEB5
You can open a Super Money Market Account by logging in to Online Banking. Select Add An Account > Deposits from the menu bar and follow the onscreen instructions to complete your request. If you’re not currently enrolled in Online Banking, please contact our Member Service Center at 703-788-4800. Representatives are available Monday-Friday, 8 a.m. to 6 p.m., and Saturday, 9 a.m.-Noon.
Answered by: Apple FCU
Date published: 2017-05-16

Me and my wife need a joint savings account so part of our paychecks can be deposited. What's the requirements for joint accounts?

Asked by: Jweaver84
There are no qualifications to open a Joint Savings account. If you're not yet members, at lease one of you would have to qualify for membership in order to get started. If one of you is already a member, you can easily add the Joint owner to the account by logging in to Online Banking. Then just click the Account Tools tab, then 'Add a Joint Owner'. If you have any other questions, please call 703--788-4800. We look forward to serving you!
Answered by: AppleFCU
Date published: 2017-05-11

Is a debit card available with a savings account?

Asked by: SheilaJean
Yes, you are able to link an Apple FCU Debit Card to your Savings account.
Answered by: AppleFCU
Date published: 2017-05-05

What is the percentage rate earned for a money market savings account? What it the minimum amount need to gain interest and to open the account?

Asked by: Shaun G
For a listing of Apple FCU Money Market rates and corresponding balance tiers, see the third section at: https://www.applefcu.org/AppleWeb/Rates#tab2. You can easily open yours within Online Banking or at any Apple Branch. We look forward to serving you!
Answered by: AppleFCU
Date published: 2017-04-18
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