What are the current interest rates at Apple Bank for Savings?

Current rates for Apple Bank for Savings include: 12-Month CD: 1.50%, 18-Month CD: 1.25%, 24-Month CD: 1.25%, 36-Month CD: 1.25%, 60-Month CD: 1.25%, Savings: 1.25%, MMA: 0.01%

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Apple Bank for Savings

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Apple Bank for Savings Rates & Review September 2026

Q: How many branches does Apple Bank for Savings operate?

Apple Bank for Savings currently maintains approximately 79 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Apple Bank for Savings does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Apple Bank for Savings provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 14, 2026

Apple Bank for Savings's 1-Year 1 Year CD rates are at 3.00%, 1 Year Term CD rates are at 3.00%, 6-Month 6-Month CD rates are at 3.00%, 7-Month 7-Month CD rates are at 3.00%, 7-Month Term CD rates are at 3.00%. Apple Bank for Savings's savings rates are at 1.25%. Apple Bank for Savings's money market rates are at 0.01%. MonitorBankRates evaluates the financial stability of Apple Bank for Savings with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.67%. Rates last updated and verified on 09/14/2026.

Apple Bank for Savings money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Apple Bank for Savings? Share your experience about Apple Bank for Savings by leaving a review below, or read customer reviews before you decide to use Apple Bank for Savings.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.67%

Excellent Lower than avg

Health Trend

Worsening 12 quarters

Full history ›

Apple Bank

122 E 42nd St
New York, NY 10168

https://www.applebank.com

Apple Bank for Savings CD Rates

Product	Rate	APY	Term
1 Year CD	2.95%	3.00%	1-Year
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
1 Year Term CD	-	3.00%	1 Year
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
6 Month CD	2.95%	3.00%	6-Month
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
7 Month CD	2.95%	3.00%	7-Month
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
7 Month Term CD	-	3.00%	7 Month
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
9 Month CD	2.95%	3.00%	9-Month
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
3 Month CD	2.71%	2.75%	3-Month
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
15 Month CD	2.47%	2.50%	15-Month
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
15 Month Term CD	-	2.50%	15 Month
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
18 Month CD	2.47%	2.50%	18-Month
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
2 Year CD	2.47%	2.50%	2-Year
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
3-Year CD	2.47%	2.50%	3-Year
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed online only. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
5 Year CD	2.47%	2.50%	5-Year
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
1-Year CD	1.48%	1.50%	1-Year
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
3-Month CD	1.48%	1.50%	3-Month
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
6-Month CD	1.48%	1.50%	6-Month
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
9-Month CD	1.48%	1.50%	9-Month
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
15-Month CD	1.24%	1.25%	15-Month
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
18-Month CD	1.24%	1.25%	18-Month
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
2-Year CD	1.24%	1.25%	2-Year
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
3-Year CD	1.24%	1.25%	3-Year
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
5-Year CD	1.24%	1.25%	5-Year
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

Apple Bank for Savings Savings Rates

Product	Rate	APY
Apple Bank SmartStart Savings Account	4.88%	5.00%
Min Deposit $1 Min Balance $1 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Bank Core Savings Account	3.48%	3.55%
Min Balance $1 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Bank Core Savings Account	3.48%	3.55%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Bank Core Savings Account	3.48%	3.55%
Min Balance $250,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Bank Core Savings Account	3.48%	3.55%
Min Balance $1,000,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Simple Savings Account Preferred Rate	3.48%	3.55%
Min Deposit $100 Min Balance $1 Details Simple Banking Program Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Simple Savings Account Preferred Rate	3.48%	3.55%
Min Deposit $100 Min Balance $50,000 Details Simple Banking Program Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Simple Savings Account Preferred Rate	3.48%	3.55%
Min Deposit $100 Min Balance $250,000 Details Simple Banking Program Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Simple Savings Account Preferred Rate	3.48%	3.55%
Min Deposit $100 Min Balance $1,000,000 Details Simple Banking Program Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Simple Savings Account	2.98%	3.03%
Min Deposit $100 Min Balance $1 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Simple Savings Account	2.98%	3.03%
Min Deposit $100 Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Simple Savings Account	2.98%	3.03%
Min Deposit $100 Min Balance $250,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Simple Savings Account	2.98%	3.03%
Min Deposit $100 Min Balance $1,000,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Tiered Savings	2.98%	3.03%
Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Tiered Savings	2.98%	3.03%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Bank SmartStart Savings Account	0.75%	2.87%
Min Deposit $1 Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Retirement Savings Account	1.48%	1.50%
Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Retirement Savings Account	1.48%	1.50%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Retirement Savings Account	1.48%	1.50%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Retirement Savings Account	1.48%	1.50%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Retirement Savings Account	1.48%	1.50%
Min Balance $500,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Bank Core Savings Account	1.24%	1.25%
Min Deposit $250 Min Balance $1 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Bank Core Savings Account	1.24%	1.25%
Min Deposit $250 Min Balance $50,000 Details Balance: $50,000 - $249,999.99 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Bank Core Savings Account	1.24%	1.25%
Min Deposit $250 Min Balance $250,000 Details Balance: $250,000.00 - $999,999.99 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Bank Core Savings Account	1.24%	1.25%
Min Deposit $250 Min Balance $1,000,000 Details Balance: $1,000,000.00 or more Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Savings	1.24%	1.25%
Min Balance $1 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Savings	1.24%	1.25%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Savings	1.24%	1.25%
Min Balance $250,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Savings	1.24%	1.25%
Min Balance $1,000,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Simple Savings Account	1.00%	1.01%
Details Qualifications Required: 5 qualifying credit and/or debit transactions (minimum $25.00 per transaction) per month; You will be automatically enrolled in the Simple Banking Program once you have established a Simple Checking account (anchor account) in addition to your existing Simple Savings account (benefit account). Customers meeting the monthly transaction requirements will be eligible to receive a rate that is one-quarter of one percent (0.25%) higher (preferred rate) than the then current interest rate in effect for the Simple Savings Account(s) Monthly requirements. The Primary owner of the Simple Checking account must be with a Primary or Secondary owner of the Simple Savings Account (benefit account) and complete five (5) qualifying credit and/or debit transactions (minimum $25.00 per transaction) per month for the account to be eligible to receive the preferred interest rate. If you do not meet the qualification requirements in any monthly evaluation period, the preferred interest rate will be reduced to the then current Simple Savings interest rate in effect on the day after evaluation date. The Simple Banking Program allows for one (1) Simple Checking account which may be linked to multiple Simple Savings accounts for the purpose of receiving the preferred interest rate when the required activity in your Simple Checking account is met. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Bank Savings Account	0.01%	0.01%
Min Deposit $100 Min Balance $250 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Grand Yield Savings Account	0.01%	0.01%
Min Deposit $100 Min Balance $1 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Grand Yield Savings Account	0.01%	0.01%
Min Deposit $100 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Grand Yield Savings Account	0.01%	0.01%
Min Deposit $100 Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Grand Yield Savings Account	0.01%	0.01%
Min Deposit $100 Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Grand Yield Savings Account	0.01%	0.01%
Min Deposit $100 Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Premium Savings Account	0.01%	0.01%
Min Deposit $5,000 Min Balance $5,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Premium Savings Account	0.01%	0.01%
Min Deposit $5,000 Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Premium Savings Account	0.01%	0.01%
Min Deposit $5,000 Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Premium Savings Account	0.01%	0.01%
Min Deposit $5,000 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Retirement Savings Account	0.01%	0.01%
Min Deposit $5 Min Balance $5 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Savings Account	0.01%	0.01%
Min Balance $5,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Savings Account	0.01%	0.01%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Savings Account	0.01%	0.01%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Savings Account	0.01%	0.01%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Statement Savings	0.01%	0.01%
Min Balance $1 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Statement Savings	0.01%	0.01%
Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Statement Savings	0.01%	0.01%
Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Statement Savings	0.01%	0.01%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Statement Savings	0.01%	0.01%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Statement Savings	0.01%	0.01%
Min Balance $75,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Super Savings Account	0.01%	0.01%
Min Deposit $5,000 Min Balance $5,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Super Savings Account	0.01%	0.01%
Min Deposit $5,000 Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Super Savings Account	0.01%	0.01%
Min Deposit $5,000 Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Super Savings Account	0.01%	0.01%
Min Deposit $5,000 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

Apple Bank for Savings Money Market Rates

Product	Rate	APY
Apple Choice Money Market Account Preferred Rate	3.48%	3.55%
Min Deposit $100 Min Balance $2,500 Details Apple Choice Banking Program Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Choice Money Market Account Preferred Rate	3.48%	3.55%
Min Deposit $100 Min Balance $50,000 Details Apple Choice Banking Program Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Choice Money Market - Preferred	3.48%	3.55%
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Choice Money Market Account - Preferred Rate Elite Tier	-	3.55%
Min Balance $2,500 Details Qualifications Required: Maintain a $2,500 minimum daily balance in your Choice Money Market accounts on the evaluation date; Make any combination of five Qualifying Credit and/or Debit Transactions per month from your Choice Checking account; Preferred rate becomes effective the day following the monthly evaluation date and remains in effect until the next evaluation date. If you do not meet the qualification requirements during the monthly evaluation period, you will earn the standard rate for the Choice Money Market Account in effect on the day after the evaluation date. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Treasury Bill Indexed Money Market Account	3.48%	3.55%
Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Treasury Bill Indexed Money Market Account	3.48%	3.55%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Choice Money Market Account	2.98%	3.03%
Min Deposit $100 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Choice Money Market Account	2.98%	3.03%
Min Deposit $100 Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Choice Money Market Account	2.98%	3.03%
Min Deposit $100 Min Balance $2,500 Details Qualifications Required: Meet the requirements of the Premier tier and also meet all of the following criteria Be the Primary or Secondary Owner of An Apple Bank Choice Money Market account And maintain a $2,500 minimum daily balance in your Choice Money Market accounts on the evaluation date And make any combination of five Qualifying Credit and/or Debit Transactions per month from your Choice Checking account; Preferred rate is one-half of one percent (0.50%) higher than the current interest rate on your money market balance when Elite tier requirements are met; Earn up to 3.55% APY on your Choice Money Market Account Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market	2.98%	3.03%
Min Balance $1 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market	2.98%	3.03%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market	2.98%	3.03%
Min Balance $250,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market	2.98%	3.03%
Min Balance $1,000,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Treasury Bill Indexed Money Market Account	2.57%	2.61%
Min Deposit $10,000 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Treasury Bill Indexed Money Market Account	2.20%	2.23%
Min Deposit $10,000 Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Treasury Bill Indexed Money Market Account	1.84%	1.86%
Min Deposit $10,000 Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Advantage Money Market Account	1.48%	1.50%
Min Deposit $10,000 Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Advantage Money Market Account	1.48%	1.50%
Min Deposit $10,000 Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Advantage Money Market Account	1.48%	1.50%
Min Deposit $10,000 Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Advantage Money Market Account	1.48%	1.50%
Min Deposit $10,000 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Advantage Money Market Account	1.48%	1.50%
Min Deposit $10,000 Min Balance $500,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Savings	1.24%	1.25%
Min Balance $1 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Savings	1.24%	1.25%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Savings	1.24%	1.25%
Min Balance $250,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Savings	1.24%	1.25%
Min Balance $1,000,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Bank Choice Money Market Account - Elite	0.50%	0.50%
Details Qualifications Required: Maintain a Minimum Balance of $2,500.00 in the Apple Bank Choice Money Market Account on the evaluation date.; You are the primary or secondary owner of an Apple Bank Choice Money Market Account; AND Conduct five (5) Qualifying Credit and/or Debit Transactions of at least $25.00 per transaction in your Apple Bank Choice Checking Account during each monthly statement cycle; AND Maintain a Minimum Balance of $2,500.00 in the Apple Bank Choice Money Market Account on the evaluation date. You qualify to earn a preferred interest rate of one-half of one percent (0.50%) above the posted interest rate on your Apple Bank Choice Money Market Account for the month following evaluation period. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Account	0.01%	0.01%
Min Deposit $100 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Account	0.01%	0.01%
Min Deposit $100 Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Account	0.01%	0.01%
Min Deposit $100 Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Account	0.01%	0.01%
Min Deposit $100 Min Balance $75,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

Apple Bank for Savings Checking Rates

Product	Rate	APY
Choice Checking - Preferred	3.48%	3.55%
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Choice Checking	2.98%	3.03%
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Choice Checking Account	1.98%	2.00%
Min Deposit $100 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Simple Checking Account	1.00%	1.01%
Min Deposit $100 Min Balance $1 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

Apple Bank for Savings Other Rates

Product	Rate	Points	APY/APR	Term
1-Year CD	2.95%	-	3.00%	1-Year
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed online only. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
15-Month CD	2.47%	-	2.50%	15-Month
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed online only. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
18-Month CD	2.47%	-	2.50%	18-Month
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed online only. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
2-Year CD	2.47%	-	2.50%	2-Year
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed online only. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
3-Month CD	2.71%	-	2.75%	3-Month
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed online only. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
5-Year CD	2.47%	-	2.50%	5-Year
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed online only. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
6-Month CD	2.95%	-	3.00%	6-Month
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed online only. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
7-Month CD	2.95%	-	3.00%	7-Month
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed online only. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
9-Month CD	2.95%	-	3.00%	9-Month
Min Deposit $1,000 Details Rates and Terms shown are for CDs opened or renewed online only. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Choice Banking Program	-	-	3.55%
Min Balance $2,500 Details On balances of $2,500 or more. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Apple Bank for Savings’s Texas Ratio rose from 1.54% in Q3 2023 to 4.67% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$19.9B	4.67%	5.0	A+
March 31, 2026	$19.2B	5.18%	5.0	A+
December 31, 2025	$19.2B	5.44%	5.0	A+
September 30, 2025	$18.8B	5.81%	5.0	A+
June 30, 2025	$18.3B	5.87%	5.0	A+
March 31, 2025	$17.9B	6.29%	5.0	A
December 31, 2024	$17.5B	6.80%	5.0	A
September 30, 2024	$17.1B	6.77%	5.0	A
June 30, 2024	$17.0B	9.17%	5.0	A
March 31, 2024	$17.0B	9.65%	5.0	A
December 31, 2023	$17.0B	1.46%	5.0	A+
September 30, 2023	$16.9B	1.54%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Apple Bank for Savings is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Apple Bank for Savings rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Apple Bank for Savings's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Apple Bank for Savings

Bank Holding Company APPLE FINANCIAL HOLDINGS INC

Address 122 E 42nd St, New York, NY 10168 · New York

Website https://www.applebank.com

FDIC Certificate # 16068

Established 18630417

FDIC Insurance Date 19430701

Domestic Offices 79

Total Branches 79

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.67%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3939%

Return on Equity (ROE) 4.8300%

Non-Performing Loans (NPL) 0.38%

Total Assets $19,887,242,000

Total Deposits $16,131,471,000

Equity Capital $1,603,026,000

Net Income $38,302,000

Headquarters New York

Total Branches and Offices 79

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Apple Bank for Savings earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Apple Bank for Savings

How many branches does Apple Bank for Savings operate?

Apple Bank for Savings currently maintains approximately 79 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Apple Bank for Savings does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Apple Bank for Savings provides members with tools to manage their accounts and build a solid financial history.

Does Apple Bank for Savings offer online and mobile banking?

Most modern institutions like Apple Bank for Savings provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.applebank.com.