Apple Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 2.60% | 6+ Year CD | 120 Month CD 1.71% - National Average |
| 2.60% | 6+ Year IRA | 120 Month IRA (Traditional, Roth, CESA) 1.71% - National Average |
| 1.25% | Reward Checking | Investors Checking 1.84% - National Average |
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
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Great Personal Service And Friendly People
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!
Love This Bank
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!
NEVER Again!!!!!!!!!!!!!!!
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!
What A Mess
Their online banking and automated service is bad beyond imagination.
Data as of Q2 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 11307 |
| Year Chartered | 1956 |
| Employees | 382 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.93% |
| Return on Equity - YTD | 9.68% |
| Annual Interest Income | $42.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2017vs Q2 2016 | $2.40B$2.22B |
| Loans | Q2 2017vs Q2 2016 | $1.83B$1.66B |
| Deposits | Q2 2017vs Q2 2016 | $1.97B$1.78B |
| Equity Capital | Q2 2017vs Q2 2016 | $229.0MM$207.4MM |
| Loan Loss Allowance | Q2 2017vs Q2 2016 | $18.8MM$19.9MM |
| Unbacked Noncurrent Loans | Q2 2017vs Q2 2016 | $9.8MM$9.0MM |
| Real Estate Owned | Q2 2017vs Q2 2016 | $2.6MM$1,000.00K |
Always verify rates and promotions with the bank or credit union. We are not Apple Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 4.00% | - | - | Coverdell Education Savings | ||
| 2.00%* | - | $1,500 | eXtras Student Savings | ||
| OTHER TIERS: 0.10% → $1,500+ | |||||
| 2.00% | - | - | Education SuperSaver | ||
| 1.00% | - | - | Summer Pay | ||
| 0.60%* | $100k* | - | IRA Share | ||
| OTHER TIERS: 0.40% → Up to $20k | 0.45% → $20k - $50k | 0.50% → $50k - $100k | |||||
| 0.25% | - | - | Holiday Club Account | ||
| 0.25% | - | - | Vacation Club Account | ||
| 0.10% | - | - | Regular Savings | ||
Apple Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.70%* | $100k* | - | Business Money Market | ||
| OTHER TIERS: 0.40% → Up to $20k | 0.50% → $20k - $50k | 0.60% → $50k - $100k | |||||
| 0.60%* | $100k* | - | Super Money Market | ||
| OTHER TIERS: 0.20% → Up to $100k | |||||
| 0.50%* | $50k* | - | Money Market | ||
| OTHER TIERS: 0.20% → Up to $2,500 | 0.40% → $2,500 - $20k | 0.45% → $20k - $50k | |||||
Apple Federal Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.25%* | - | $20k | Investors Checking - Qualifying | ||
| OTHER TIERS: 0.20% → $20k+ | |||||
| 0.20% | - | - | Advantage Checking | ||
Apple Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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 | |
| 1.85% | $500 | - | 48 Month CD | |
| 1.80% | $50k | - | Jumbo 36 Month CD | |
| 1.75% | $500 | - | 36 Month CD | |
| 1.50% | $500 | - | 24 Month CD | |
| 1.50% | $500 | - | 36 Month Step Up CD | |
| 1.30% | $50k | - | Jumbo 12 Month CD | |
| 1.25% | $500 | - | 12 Month CD | |
| 1.25% | $500 | - | 15 Month CD | |
| 0.75% | $500 | - | 6 Month CD |
Apple Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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 | |
| 1.85% | $500 | - | 48 Month IRA | |
| 1.80% | $50k | - | Jumbo 36 Month IRA | |
| 1.75% | $500 | - | 36 Month IRA | |
| 1.50% | $500 | - | 24 Month IRA | |
| 1.50% | $500 | - | 36 Month Step Up IRA | |
| 1.30% | $50k | - | Jumbo 12 Month IRA | |
| 1.25% | $500 | - | 12 Month IRA | |
| 1.25% | $500 | - | 15 Month IRA | |
| 0.75% | $500 | - | 6 Month IRA |
