MonitorBankRates
  1. Home
  2. Banks
  3. Apple Bank for Savings
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Apple Bank for Savings Rates & Review April 2026

Apple Bank for Savings's 6-Month to 12-Month Special CD Offer rates are at 4.00%, 1-Year CD rates are at 3.00%, 6-Month CD rates are at 3.00%, 7-Month CD rates are at 3.00%, 9-Month CD rates are at 3.00%. Apple Bank for Savings's savings rates are at 0.00%. 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 1.54%. Rates were last updated on 04/17/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.54%
Excellent Lower than avg
Apple Bank for Savings
122 E 42nd St
New York, NY 10168
https://www.applebank.com
Member FDIC

Apple Bank for Savings CD Rates

Product Rate APY Term View More
6 Month to 12 Month Special CD Offer - 4.00% 6 Month to 12 Month
Min Deposit $25,000
Details In-branch account opening only. New money only.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
1-Year CD 2.95% 3.00% 1
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 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
6-Month CD 2.95% 3.00% 6
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 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
7-Month CD 2.95% 3.00% 7
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 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
9-Month CD 2.95% 3.00% 9
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 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
6-Month Certificates of Deposit In-Branch 2.95% 3.00% 6-Month
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
3-Month CD 2.71% 2.75% 3
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 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
3-Month Certificates of Deposit In-Branch 2.71% 2.75% 3-Month
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
15-Month CD 2.47% 2.50% 15
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 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
18-Month CD 2.47% 2.50% 18
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 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
2-Year CD 2.47% 2.50% 2
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 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
5-Year CD 2.47% 2.50% 5
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 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
15-Month Certificates of Deposit In-Branch 2.47% 2.50% 15-Month
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%

Apple Bank for Savings Savings Rates

Product Rate APY View More
Apple Bank SmartStart Savings Account 4.88% 5.00%
Min Balance $1
Details Qualifying balance up to $10,000.00
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
SmartStart Savings - 5.00%
Details Qualifying balance up to $10,000.00
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
SmartStart Savings for Teens - 5.00%
Min Deposit $1
Min Balance $1
Details Qualifying balance up to $10,000.00
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
SmartStart Savings for Young Adults - 5.00%
Min Deposit $1
Min Balance $1
Details Qualifying balance up to $10,000.00
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
My Reserve Savings - 4.00%
Min Deposit $1,000
Details New money only.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Savings Account 3.92% 4.00%
Min Balance $1
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Apple Bank Core Savings Account 3.48% 3.55%
Min Balance $1
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Simple Savings Account Preferred Rate 3.48% 3.55%
Min Balance $1
Details Simple Banking Program
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Simple Savings - 3.03%
Min Deposit $100
Min Balance $1
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Retirement Savings Account 1.48% 1.50%
Min Balance $10,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Apple Bank Core Savings Account 1.24% 1.25%
Min Balance $1
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Apple Bank Savings Account 0.01% 0.01%
Min Balance $250
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Grand Yield Savings Account 0.01% 0.01%
Min Balance $1
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
My Reserve Savings Account 0.01% 0.01%
Min Balance $1,000,000
Details New Money Only
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Premium Savings Account 0.01% 0.01%
Min Balance $5,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Retirement Savings Account 0.01% 0.01%
Min Balance $5
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Savings Account 0.01% 0.01%
Min Balance $1,000,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Super Savings Account 0.01% 0.01%
Min Balance $5,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Retirement Savings Account - 0.00%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%

Apple Bank for Savings Money Market Rates

Product Rate APY View More
Apple Choice Money Market Account Preferred Rate 3.48% 3.55%
Min Balance $2,500
Details Apple Choice Banking Program
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Treasury Bill Indexed Money Market Account 3.48% 3.55%
Min Balance $2,500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Apple Choice Money Market Account 2.98% 3.03%
Min Balance $2,500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Money Market Account 2.98% 3.03%
Min Balance $1
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Treasury Bill Indexed Money Market - 2.56%
Min Balance $100,000
Details which is 70% of the indexed rate
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Treasury Bill Indexed Money Market - 2.19%
Min Balance $50,000
Details which is 60% of the indexed rate
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Treasury Bill Indexed Money Market - 1.82%
Min Balance $25,000
Details which is 50% of the indexed rate
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Apple Advantage Money Market Account 1.48% 1.50%
Min Balance $10,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Money Market Account 0.01% 0.01%
Min Balance $2,500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%

Apple Bank for Savings Checking Rates

Product Rate APY View More
Choice Checking Preferred 3.48% 3.55%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Choice Checking Standard 2.98% 3.03%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Choice Checking Account 1.98% 2.00%
Min Balance $2,500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Simple Checking - 1.01%
Min Deposit $100
Min Balance $1
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%

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
FDIC Certificate # 16068
Established 04/17/1863
FDIC Insurance Date 07/01/1943
Domestic Offices 82
Total Branches 82
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 99/100
5.0
Exceptional Out of 5.0 Stars
1.54%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.7647%
Return on Equity (ROE) 9.6200%
Non-Performing Loans (NPL) 0.11%
Total Assets $19,220,381,000
Total Deposits $15,709,760,000
Equity Capital $1,577,446,000
Net Income $62,959,000
Headquarters New York
Total Offices 82
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

YprH
★★★★★
December 17, 2025
JCEp
Average Rating
★★★★★
Total Reviews
1
Add Your Rating and Review for Apple Bank for Savings
Your Name:
Your Rating:

Frequently Asked Questions About Apple Bank for Savings

Is Apple Bank for Savings a safe place to deposit money?

Yes, Apple Bank for Savings is considered a safe financial institution. With a Texas Ratio of 1.5365126038425%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Apple Bank for Savings operate?

Apple Bank for Savings currently maintains approximately 82 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.

Current Apple Bank for Savings Rates

  • 12-Month CD3.00%
  • 18-Month CD2.50%
  • 24-Month CD2.50%
  • 60-Month CD2.50%
  • Savings0.00%
  • MMA0.01%
Retrieved from our database of financial products. Rates subject to change.