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Home » Teachers & Students » Exclusive Teacher Benefits

In 1956, a group of teachers working within the Fairfax County Public School system came together to assist a colleague in purchasing a set of car tires. This seemingly simple act planted the seeds for a partnership that would span more than half a century and serve thousands of members in the pursuit of an improved life, through education and the achievement of dreams.

Remaining true to our humble beginnings, we remain committed to the education community. We continually strive to offer competitive rates and terms, excellent member service and practical, innovative financial services. Teachers benefit most from Apple’s extensive menu of products and services designed to specifically to meet their unique circumstances and financial demands.

At Apple, our teacher members enjoy many exclusive options that simply can’t be found anywhere else.

Exclusive Benefits

  • Get Paid a Day Early* – Get your pay faster with Apple FCU! By choosing to have your paycheck deposited at Apple, your cash could be in hand one day sooner. It’s as simple as that.
  • Qualify for exclusive accounts like the Educator Visa Credit Card, Summer Pay Savings Account, 0% Transition Loan and more.
  • Enjoy exclusive specials sent via email semi-annually. Past specials have included a $500 Gas Card with Auto financing; fee-free Visa Gift Cards and more!


To support teachers in accomplishing their primary mission of student achievement, the Apple FCU Education Foundation—a charitable 501(c)(3) organization—make available grants for use in instruction-led programs and initiatives. Learn More

*Offer valid with select partner school districts. This program is NOT endorsed by the school system. Payroll will be deposited 1-4 days early based on the member’s payroll schedule.

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

New Teacher Transition Loan

The New Teacher Transition Loan can help you purchase a professional wardrobe, classroom supplies, supplement moving expenses and many other purposes. Learn More

First-Time Home Buyer

Our Educator & First Responder First-time Home Buyer Loan was designed to help you save even more on your new home. Whether you’re buying for the first time, refinancing a current home or hoping to tap into your home’s equity, we have loan options for you. Learn More

Educator Visa® Credit Card

Carry the card created with educators in mind. Apple’s low, variable-rate Educator Visa® features an incredibly low introductory rate. Plus, you can skip summertime payments. Learn More


The CFS* Financial Advisors at Apple Financial Services LLC, specialize in Retirement Planning for the education community. We’ll help you maintain a healthy financial balance and discover smart money strategies. Whether you’re just starting out, or you want to protect your accumulated assets for your heirs, we believe in assisting you in all life stages and at all wealth levels.

Our Financial Advisors are your expert resources for:

  • Virginia Retirement Systems (VRS)
  • Educational Employees’ Supplementary Retirement System of Fairfax County (ERFC)
  • Fairfax County Employees’ Retirement System (FCERS)
  • Deferred Retirement Option Program of Fairfax County (DROP)
  • Partial Lump-sum Option Payment (PLOP)
  • Social Security Administration (SSA)
  • And more.

We’ll assess your current financial position and investment goals, portfolio diversification and long-term investment strategy. Our Financial Advisors will help you:

  • Prepare for retirement
  • Live comfortably in retirement
  • Prepare for the unexpected
  • Protect your assets
  • Pay for education
  • Plan your estate and inheritance.

Take the Next Step

Our representatives carefully select the investment products suitable for your needs. We’ll make careful choices and match you with products that help increase your earning potential. Schedule a no cost, no obligation appointment today.

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer, (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Apple FCU has contracted with CFS to make non-deposit investment products and services available to credit union members. Apple Financial Services LLC is a subsidiary of Apple FCU and is not directly affiliated with CFS.