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  2. Apple Federal Credit Union

Apple Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.60%6+ Year CD120 Month CD
1.56% - National Average
2.60%6+ Year IRA120 Month IRA (Traditional, Roth, CESA)
1.58% - National Average
1.25%Reward CheckingInvestors Checking
1.76% - National Average
View all Apple Federal Credit Union rates »

Overview / Commentary
www.applefcu.org
703-788-4800
4029 Ridge Top Rd
Fairfax, VA 22030

Apple Federal Credit Union is a Virginia-based credit union that offers personal and business banking solutions, investment and insurance planning, and specific products and benefits designed for teachers and students.

Apple FCU offers savings, checking, money market, Certificate, and IRA accounts on its personal banking side. The credit union’s fee-free student checking account offers reward points for using its free check card and also comes with a limited number of non-Apple ATM transactions. Another checking account offer is dividend bearing and comes equipped with a free box of checks each year, a limited amount of non-Apple ATM transaction fee reimbursements, and no monthly fee when a minimum balance requirement is met. Several savings account options seek to meet various members’ needs and include a basic, student, and teacher savings account. The student savings account comes with a high dividend rate for balances up to a certain amount, and the teachers’ savings account is designed to help teachers maintain a regular income through the summer months when they may not receive a paycheck. Money Market accounts offer higher dividend rates when higher balances are achieved and provide convenient access to funds. Certificates and IRA Certificates are available in term lengths from 6 to 120 months and have been featured on DepositAccounts.com in the past.

Apple FCU online banking is a sophisticated system that offers comprehensive account management services, including fund transfers, bill pay, rewards activation, scan deposits, and money management software for budgeting purposes. The credit union’s mobile banking apps make it convenient and easy to accomplish the aforementioned tasks from select smartphones or tablet devices. Apple FCU is partnered with several ATM networks, including Alliance One, CO-OP, and MoneyPass, making it easy for members to gain access to their funds.

Apple Federal Credit Union was chartered in 1956 after a group of educators from the Fairfax County Public School system came together to organize a teacher-focused financial cooperative. The credit union is headquartered in Fairfax, Virginia, and serves its members through multiple branches located across several states. Apple FCU also maintains a blog that publishes money lessons and tips for saving.

Field of Membership Restrictions

Membership in Apple Federal Credit Union is open the following: (1) those who live, work, volunteer, attend school or worship in Fairfax County, Fairfax City, Manassas City, Frederick County, Manassas Park or Prince William County in Virginia; (2) faculty, students and staff (and their immediate families) of City of Winchester Public and Private Schools, Falls Church City Schools, Fairfax County Public Schools, Loudoun County Public Schools, Frederick County Public Schools, Manassas Park Public Schools, Manassas City Public Schools, Prince William County Public Schools, or Stafford County Public Schools; (3) faculty, students, alumni, and staff (and their immediate families) of George Mason University, Shenandoah University, or Northern Virginia Community College; (4) and employees and members over 200 Select Employer Groups.
See current membership details

Related Posts

$60 Checking Bonus At Apple Federal Credit Union - 4/1/2016

The $60 bonus isn’t much, but the requirements are easy and they have a free checking account. If you already have CDs with them, you may want to consider opening the free checking account. Just 2 requirements:Open a new primary Checking account with Debit Card in the months of April or May 2016, and mention promo code CELEBRATE60.*Make at least one purchase using your Debit Card by June 30, 2016, to earn the $60 cash back bonus.*Refer to Apple’s promotions page for the full details.

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Reviews (20)

Great Personal Service And Friendly People

Posted by: sc | Apr 29, 2013

I have moved to California, but still have never found such a great banking institution as Apple Federal Credit Union. It seems like with all the big banks, banking has lost its touch with the tellers and branch managers knowing you personally. I have to say even though I'm in California and banking in Virginia can be tricky, I would trade this bank for anything in the world. The branch manager Manjit, I opened my account with years ago in Centreville, still remembered me and my children. When I was in a pinch and needed assistance she came through with flying colors and is such an amazing person.  5 stars from me!

18

Love This Bank

Posted by: nikol107 | May 27, 2013

I've been a member since 2007 and I have no complaints. They have pushed my CC payments through upon request and they have approved me for a limit increase via telephone. They have waived fees in the past although I was at fault. No complaints!

16

NEVER Again!!!!!!!!!!!!!!!

Posted by: cwilliams930 | Sep 23, 2015

I will NEVER take out another loan through Apple FCU.... we originally had our loan with Synergy One and they were AWESOME, but Apple bought them. So we paid the loan off at AFCU this past July and about a week or so later we got a letter from them (but not the Title for our Vehicle) saying that they released our Lien. I immediately called "customer services" to ask where my title was (we had the registration, so clearly the title had been processed!). Well, the dimwit on their end of the phone told me that I just needed to take that letter to DMV and have them print me a new title - no concern for the hour (or more!) it would cost me to go to the DMV, and certainly no concern for the fee involved with getting a new title. I was NOT happy, but what choice did I have? So, off I go to DMV.... about 45 minutes later, I left DMV with instructions that I had to have AFCU release their eLien off of my record so that they could mail me my title.... you would think that I was not the first eLien AFCU had ever encountered, and why it took me calling them twice and then sitting in hell at the DMV for them to finally do something to get me my title is beyond me. In the end, my advice is that their customer service is NON-EXISTENT and I will never deal with them again just based upon how dismissive they were of my plight. All they had to do when I called the FIRST time was call DMV to see if they missed something.... I guess it's just the world we live in today, but companies can only get away with this crap if consumers let them. I'm done!

2

What A Mess

Posted by: Tamara Vuleta Turner-Ottke | Jan 3, 2016

Their online banking and automated service is bad beyond imagination.

2
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Health
A

Data as of Q2 2016

Learn more about bank health

Health Grade Components

Overall
NCUA #11307
Year Chartered1956
Employees369
Primary Regulator
Profit Margin
Return on Assets - YTD0.82%
Return on Equity - YTD8.62%
Annual Interest Income$39.2MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$2.22B$2.07B
LoansQ2 2016vs Q2 2015$1.66B$1.43B
DepositsQ2 2016vs Q2 2015$1.78B$1.65B
Equity CapitalQ2 2016vs Q2 2015$207.4MM$189.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$19.9MM$21.1MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$9.0MM$7.7MM
Real Estate OwnedQ2 2016vs Q2 2015$1,000.00K$2.0MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Apple Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$1,500eXtras Student Savings
OTHER TIERS: 0.10% → $1,500+
2.00%--Education SuperSaver
1.00%--Summer Pay
0.35%*$100k*-IRA Share
OTHER TIERS: 0.20% → Up to $20k | 0.25% → $20k - $50k | 0.30% → $50k - $100k
0.35%*$100k*-Roth IRA Share
OTHER TIERS: 0.20% → Up to $20k | 0.25% → $20k - $50k | 0.30% → $50k - $100k
0.35%*$100k*-CESA Share
OTHER TIERS: 0.20% → Up to $20k | 0.25% → $20k - $50k | 0.30% → $50k - $100k
0.25%--Holiday Club Account
0.25%--Vacation Club Account
0.10%--Regular Savings

Apple Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$100k*-Business Money Market
OTHER TIERS: 0.20% → Up to $20k | 0.30% → $20k - $50k | 0.40% → $50k - $100k
0.35%*$100k*-Super Money Market
OTHER TIERS: 0.10% → Up to $100k
0.30%*$50k*-Money Market
OTHER TIERS: 0.10% → Up to $2,500 | 0.20% → $2,500 - $20k | 0.25% → $20k - $50k

Apple Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*-$20kInvestors Checking - Qualifying
OTHER TIERS: 0.20% → $20k+
0.20%--Advantage Checking

Apple Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.60%$500-120 Month CD
2.25%$500-84 Month CD
2.05%$50k-Jumbo 60 Month CD
2.00%$500-60 Month CD
1.70%$500-48 Month CD
1.45%$50k-Jumbo 36 Month CD
1.40%$500-36 Month CD
1.15%$500-36 Month Step Up CD
1.00%$500-24 Month CD
0.80%$50k-Jumbo 12 Month CD
0.75%$500-12 Month CD
0.75%$500-15 Month CD
0.50%$500-6 Month CD

Apple Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.60%$500-120 Month IRA
2.25%$500-84 Month IRA
2.05%$50k-Jumbo 60 Month IRA
2.00%$500-60 Month IRA
1.70%$500-48 Month IRA
1.45%$50k-Jumbo 36 Month IRA
1.40%$500-36 Month IRA
1.15%$500-36 Month Step Up IRA
1.00%$500-24 Month IRA
0.80%$50k-Jumbo 12 Month IRA
0.75%$500-12 Month IRA
0.75%$500-15 Month IRA
0.50%$500-6 Month IRA
Locations

Apple Federal Credit Union has 22 locations. Click to view all Apple Federal Credit Union locations.