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Apple Federal Credit Union

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Apple Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Apple Federal Credit Union?

Current rates for Apple Federal Credit Union include: 12-Month CD: 3.00%, 24-Month CD: 3.75%, 60-Month CD: 3.75%, Savings: 3.00%, MMA: 4.00%

Q: What CD terms does Apple Federal Credit Union offer?

Apple Federal Credit Union CD rates are 5.00% APY for a 12 month CD, 3.75% APY for a 15 month CD, 3.75% APY for a 2 year CD, 3.75% APY for a 3 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Apple Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 31, 2026

Apple Federal Credit Union's 12-Month Starter CD rates are at 5.00%, 12 Month CD rates are at 3.75%, 15 Month CD rates are at 3.75%, 24 Month CD rates are at 3.75%, 36 Month CD rates are at 3.75%. Apple Federal Credit Union's savings rates are at 3.00%. Apple Federal Credit Union's money market rates are at 4.00%. Apple Federal Credit Union's checking rates are as high as 1.00%. Apple Federal Credit Union's Auto Loan Rates are as low as 8.49%. Apple Federal Credit Union's Credit Card Rates are at 9.90%. Apple Federal Credit Union's CD rates are 35% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Apple Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.85%. Rates last updated and verified on 10/31/2026.

Apple Federal Credit Union 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 Federal Credit Union? Share your experience about Apple Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Apple Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.85%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Apple Federal Credit Union
Fairfax Corner Branch

4097 Monument Corner Dr
Fairfax, VA 22030-8640

https://www.applefcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Apple Federal Credit Union CD Rates

Product	Rate	APY	Term
12-Month Starter Certificate	-	5.00%	12-month
Min Deposit $50 Details Maximum APY; Maximum deposit $5,000; Additional deposits permitted until maturity up to $5,000 maximum; One Starter Certificate per membership Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 5.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Jumbo 12 Month Certificate	-	3.80%	12 Month
No additional details. Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75% Oct 7, 20263.80%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Jumbo 36 Month Certificate	-	3.80%	36 Month
No additional details. Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75% Oct 7, 20263.80%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Jumbo 60 Month Certificate	-	3.80%	60 Month
No additional details. Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75% Oct 7, 20263.80%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
60 month Jumbo Certificate	-	3.80%	60 months
Min Deposit $50,000 Details Maximum APY; Term options: 12-, 36- and 60-month; IRA available Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75% Oct 7, 20263.80%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
12 Month Certificate	-	3.75%	12 months
No additional details. Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70% Oct 7, 20263.75%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
15 Month Certificate	-	3.75%	15 months
No additional details. Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70% Oct 7, 20263.75%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
24 Month Certificate	-	3.75%	24 months
No additional details. Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70% Oct 7, 20263.75%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
36 Month Certificate	-	3.75%	36 months
No additional details. Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70% Oct 7, 20263.75%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
48 Month Certificate	-	3.75%	48 months
No additional details. Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70% Oct 7, 20263.75%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
60 Month Certificate	-	3.75%	60 months
No additional details. Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70% Oct 7, 20263.75%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
6 Month Certificate	-	3.35%	6 months
No additional details. Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
11-Month No Penalty Certificate	-	3.00%	11 months
Min Deposit $500 Details Maximum APY; Limited-time offer; No-penalty withdrawal permitted during the term (first withdrawal free, subsequent withdrawals may incur penalty) Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%

Apple Federal Credit Union Savings Rates

Product	Rate	APY
EdVantage Savings	-	3.00%
Details up to $10,000; Balance: up to $10,000.00; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
eXtras Student Savings	-	3.00%
Details up to $1,499; Balance: up to $1,499.00; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
SafetyNet Savings	-	2.75%
Details up to $10,000; Balance: up to $10,000.00; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Traditional IRA Share	-	1.50%
Min Balance $250,000 Details Balance: $250,000 - $999,999; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Traditional IRA Share	-	1.50%
Min Balance $100,000 Details Balance: $100,000 - $249,999; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Traditional IRA Share	-	1.50%
Min Balance $1,000,000 Details Balance: $1,000,000 and over; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Traditional IRA Share	-	1.45%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Education SuperSaver	-	1.25%
Details Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Traditional IRA Share	-	1.20%
Min Balance $20,000 Details Balance: $20,000 - $49,999; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Traditional IRA Share	-	1.01%
Min Balance $2,500 Details Balance: $2,500 - $19,999; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
SafetyNet Savings	-	1.00%
Min Balance $10,000 Details over $10,000; Balance: over $10,000.00; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Holiday Club Account	-	0.25%
Details Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Vacation Club Account	-	0.25%
Details Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
eXtras Student Savings	-	0.10%
Min Balance $1,500 Details $1,500; Balance: $1,500 or more; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Regular Savings	-	0.10%
Min Deposit $5 Details Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%

Apple Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	-	3.00%
Min Balance $1,000,000 Details Balance: $1,000,000 or more; Compounded Monthly Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Money Market Account	-	2.00%
Min Balance $250,000 Details Balance: $250,000 - $999,999; Compounded Monthly Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Money Market Account	-	1.75%
Min Balance $100,000 Details Balance: $100,000 - $249,999; Compounded Monthly Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Money Market Account	-	1.70%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Compounded Monthly Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 1.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Money Market Account	-	1.60%
Min Balance $20,000 Details Balance: $20,000 - $49,999; Compounded Monthly Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 1.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Money Market Account	-	1.55%
Min Balance $2,500 Details Balance: $2,500 - $19,999; Compounded Monthly Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 1.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Money Market Account	-	0.50%
Details Balance: up to $2,499; Compounded Monthly Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%

Apple Federal Credit Union Business Money Market Rates

Product	Rate	APY
Commercial Money Market	-	4.00%
Min Balance $1,000,000 Details Balance: $1,000,000 and over; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Commercial Money Market	-	3.50%
Min Balance $500,000 Details Balance: $500,000 to $999,999; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Commercial Money Market	-	3.00%
Min Balance $250,000 Details Balance: $250,000 to $499,999; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Commercial Money Market	-	1.50%
Min Balance $100,000 Details Balance: $100,000 to $249,999; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Commercial Money Market	-	1.40%
Min Balance $50,000 Details Balance: $50,000 to $99,999; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Commercial Money Market	-	1.25%
Min Balance $20,000 Details Balance: $20,000 to $49,999; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Commercial Money Market	-	1.00%
Details Balance: Up to $19,999; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%

Apple Federal Credit Union Checking Rates

Product	Rate	APY
Investors Checking	-	1.00%
Min Deposit $15 Details Balance: Up to $19,999; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Advantage Checking	-	0.05%
Details Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Investors Checking	-	0.05%
Min Deposit $15 Min Balance $20,000 Details Balance: $20,000 or more; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%

Apple Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.49%	Up to 36 months
Details As Low As; Minimum loan of $5,000 Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24% Oct 26, 20264.49%▲ from 4.24% Sep 18, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
New Auto Loan	-	-	4.74%	Up to 48 months
Details As Low As; Minimum loan of $5,000 Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49% Oct 26, 20264.74%▲ from 4.49% Sep 18, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
New Auto Loan	-	-	4.99%	Up to 60 months
Details As Low As; Minimum loan of $5,000 Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 26, 20264.99%▲ from 4.74% Sep 18, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Used Auto Loan	-	-	4.99%	Up to 36 months
Details As Low As; Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000. APR includes 0.25% Direct Deposit rate discount. Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 26, 20264.99%▲ from 4.74% Sep 18, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
New Auto Loan	-	-	5.24%	Up to 72 months
Details As Low As; Minimum loan of $15,000 Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 26, 20265.24%▲ from 4.99% Sep 18, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Used Auto Loan	-	-	5.24%	Up to 48 months
Details As Low As; Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000. APR includes 0.25% Direct Deposit rate discount. Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 26, 20265.24%▲ from 4.99% Sep 18, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
New Auto Loan	-	-	5.49%	Up to 84 months
Details As Low As; Minimum loan of $25,000; vehicle must be current or previous model year. Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24% Oct 26, 20265.49%▲ from 5.24% Sep 18, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Used Auto Loan	-	-	5.49%	Up to 60 months
Details As Low As; Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000. APR includes 0.25% Direct Deposit rate discount. Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24% Oct 26, 20265.49%▲ from 5.24% Sep 18, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Used Auto Loan	-	-	5.74%	Up to 72 months
Details As Low As; Minimum loan of $15,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000. APR includes 0.25% Direct Deposit rate discount. Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49% Oct 26, 20265.74%▲ from 5.49% Sep 18, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Used Auto Loan	-	-	5.99%	Up to 84 months
Details As Low As; Minimum loan amount $25,000; vehicle must be no more than 3 model years old (current plus 2 previous models). Maximum mileage of 150,000. APR includes 0.25% Direct Deposit rate discount. Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Oct 26, 20265.99%▲ from 5.74% Sep 18, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Signature Loan - Auto	-	-	8.49%
Details As Low As; Up to $50,000.00. To qualify, checks payable to seller and Purchase Order or Bill of Sale must be provided at the time of application. Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%

Apple Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle - up to 36 months Loan	-	4.54%	up to 36 months
Details APR as low as; Conditions: 100% of purchase price; Approximate Payment: $595.30 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 4.54% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
New Motorcycle - up to 48 months Loan	-	5.14%	up to 48 months
Details APR as low as; Conditions: 100% of purchase price; Approximate Payment: $461.86 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 5.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
New Motorcycle - up to 60 months Loan	-	5.39%	up to 60 months
Details APR as low as; Conditions: 100% of purchase price; minimum loan $8,500; Approximate Payment: $381.01 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 5.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Used Motorcycle Loan	-	5.39%	up to 36 months
Details As Low As; Up to 100% NADA retail value Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 5.39% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
New Motorcycle - up to 72 months Loan	-	5.64%	up to 72 months
Details APR as low as; Conditions: 100% of purchase price. Minimum loan $15,000; Approximate Payment: $328.07 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 5.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Used Motorcycle Loan	-	5.64%	up to 48 months
Details As Low As; Up to 100% NADA retail value Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 5.64% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
New Motorcycle - up to 84 months Loan	-	5.89%	up to 84 months
Details APR as low as; Conditions: 100% of purchase price; minimum loan $20,000; Approximate Payment: $291.12 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 5.89% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Used Motorcycle Loan	-	5.89%	up to 60 months
Details As Low As; Up to 100% NADA retail value; minimum loan $8,500 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 5.89% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Used Motorcycle Loan	-	6.14%	up to 72 months
Details As Low As; Up to 100% NADA retail value; minimum loan $15,000 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 6.14% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%

Apple Federal Credit Union Student Loan Rates

Product	Rate	Points	APR	Term	View More
Student Loan	-	-	9.90%
Details As Low As; For members ages 18 to 25; Credit lines up to $1,500; Fixed-rate Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 9.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%

Apple Federal Credit Union Credit Card Rates

Product	Rate	APR
Student Visa	-	9.90%
Details As Low As; Conditions: Up to $1,500; APR varies with the market based on the Prime Rate Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 9.90% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Educator Visa	-	11.49%
Details As Low As; Conditions: Up to $35,000; 3.99% Introductory APR on purchases only for qualifying members for 12 months; otherwise APR 11.49% to 18.00% based on creditworthiness; APR varies with the market based on the Prime Rate Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 11.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Platinum Credit Card	-	11.49%
Details As Low As; Low, variable rate; Credit lines up to $35,000 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 11.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Visa Platinum	-	11.49%
Details As Low As; Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases; Conditions: Up to $35,000; APR varies with the market based on the Prime Rate Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 11.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
MyRewards Credit Card	-	12.99%
Details As Low As; Credit lines up to $5,000; 3X points on gas, 2X points on groceries, 1 point on everything else Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 12.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
MyRewards Visa	-	12.99%
Details As Low As; Conditions: Up to $5,000; APR varies with the market based on the Prime Rate Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 12.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Signature Rewards Visa	-	12.99%
Details As Low As; Conditions: Up to $50,000; APR varies with the market based on the Prime Rate Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 12.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Credit Builder Credit Card	-	18.00%
Details As Low As; Secured credit up to $5,000; deposit $250 - $5,000 into savings account becomes credit limit Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 18.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Credit Builder Visa	-	18.00%
Details As Low As; Conditions: Up to $5,000; APR varies with the market based on the Prime Rate Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 18.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%

Apple Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan - Auto	8.49%
Details As Low As; Up to $50,000.00. To qualify, checks payable to seller and Purchase Order or Bill of Sale must be provided at the time of application. Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Signature Loan	9.99%
Details As Low As; Up to $50,000 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Signature Line of Credit - Variable	11.24%
Details As Low As; Up to $50,000; APR is Prime Rate + 4.24 - 14.99% Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 10.99% → 11.24% ▲ 0.25 pts · high 11.24% / low 10.99% Oct 7, 202611.24%▲ from 10.99% Sep 18, 202610.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Signature Rewards Loan	12.99%
Details As Low As; Credit lines up to $50,000; 3X points on gas, 2X points on groceries, 1 point on everything else Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 12.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Signature Rewards Visa	12.99%
Details As Low As; Conditions: Up to $50,000; APR varies with the market based on the Prime Rate Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 12.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%

Apple Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Business Sweep Account	-	-	4.00%
Min Deposit $1,000,000 Min Balance $25,000 Details As High As; Minimum opening deposit for 4.00% is $1,000,000; earns tiered dividends; $25,000 minimum balance (monthly fee $25.00 if below); rates effective as of 10/30/2026 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Coverdell ESA Share	-	-	5.00%
Details up to $19999; Balance: up to $19,999.00; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 5.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Summer Pay (Educator Exclusive)	-	-	3.00%
Details Educator exclusive; Compounded: Monthly Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Apple Federal Credit Union’s Texas Ratio rose from 1.69% in Q3 2023 to 2.85% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$5.7B	2.85%	5.0	A+
March 31, 2026	$5.6B	2.61%	5.0	A+
December 31, 2025	$5.4B	3.26%	5.0	A+
September 30, 2025	$5.3B	3.07%	5.0	A+
June 30, 2025	$5.3B	3.33%	5.0	A+
March 31, 2025	$5.2B	2.33%	5.0	A+
December 31, 2024	$4.6B	3.55%	5.0	A+
September 30, 2024	$4.5B	1.73%	5.0	A+
June 30, 2024	$4.5B	1.56%	5.0	A+
March 31, 2024	$4.5B	1.79%	5.0	A+
December 31, 2023	$4.3B	2.09%	5.0	A+
September 30, 2023	$4.3B	1.69%	5.0	A+

Source: NCUA 5300 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 Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Apple Federal Credit Union 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 Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Apple Federal Credit Union

Website https://www.applefcu.org

Address 4097 Monument Corner Dr, Fairfax, VA 22030-8640

Phone 703-788-4800

Fax

President Calanthia Tucker

CEO Andrew Grimm

Full-Time Employees 587

Part-Time Employees 30

Branch Locations 25

ATM Locations 24

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.85%

Return on Assets (ROA)

0.7011%

Return on Equity (ROE)

6.4158%

Non-Performing Loans Ratio (NPL)

0.56%

Total Assets

5,683,855,886

Total Amount of Shares and Deposits

4,753,872,465

Total Shares and Deposits < 1 Year

4,205,382,661

Total Shares and Deposits 1 3 Years

417,754,732

Total Shares and Deposits > 3 Years

130,735,073

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

626,244,993

Total Uninsured Shares and Deposits > $250K (F+J)

626,244,993

Total Insured Shares and Deposits > $250K (item 17 less item K)

4,127,627,472

Total Interest Expense (Sum of items 6 8)

53,118,289

Share Certificates

57,288

Number of Accounts for Share Drafts

188,602

IRA KEOGH Accounts

10,499

Number of Accounts for Regular Shares

326,853

All other shares

926

Non Member Deposits

Money Market Shares

30,630

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

367,136,866

Total Liabilities

5,156,063,599

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Apple Federal Credit Union 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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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

There are no reviews for Apple Federal Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Apple Federal Credit Union

Frequently Asked Questions About Apple Federal Credit Union

Does Apple Federal Credit Union offer CDs?

Yes. Apple Federal Credit Union current CD rates include its 12-Month Starter CD at 5.00% APY, its 12 Month CD at 3.75% APY and its 15 Month CD at 3.75% APY, verified by MonitorBankRates as of October 31, 2026.

Are CDs from Apple Federal Credit Union NCUA insured?

Yes. Apple Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Apple Federal Credit Union?

The highest Apple Federal Credit Union CD rate is its 12-Month Starter CD at 5.00% APY, verified by MonitorBankRates as of October 31, 2026.

What CD terms does Apple Federal Credit Union offer?

Apple Federal Credit Union CD rates are 5.00% APY for a 12 month CD, 3.75% APY for a 15 month CD, 3.75% APY for a 2 year CD, 3.75% APY for a 3 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Apple Federal Credit Union for its full lineup.

What is the highest savings rate at Apple Federal Credit Union?

The highest Apple Federal Credit Union savings rate is its EdVantage Savings at 3.00% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest money market rate at Apple Federal Credit Union?

The highest Apple Federal Credit Union money market rate is its Commercial Money Market at 4.00% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest checking rate at Apple Federal Credit Union?

The highest Apple Federal Credit Union checking rate is its Investors Checking at 1.00% APY, verified by MonitorBankRates as of October 31, 2026.

What is the lowest auto loan rate at Apple Federal Credit Union?

The lowest Apple Federal Credit Union auto loan rate is its New Auto Loan at 4.49% APR, verified by MonitorBankRates as of October 31, 2026.

What is the lowest personal loan rate at Apple Federal Credit Union?

The lowest Apple Federal Credit Union personal loan rate is its Signature Loan - Auto at 8.49% APR, verified by MonitorBankRates as of October 31, 2026.

What is the lowest credit card APR at Apple Federal Credit Union?

The lowest Apple Federal Credit Union credit card APR is its Student Visa Credit Card at 9.90% APR, verified by MonitorBankRates as of October 31, 2026.

How many branches does Apple Federal Credit Union operate?

Apple Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Apple Federal Credit Union?

Yes, to access services at Apple Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Apple Federal Credit Union 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 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Apple Federal Credit Union offer online and mobile banking?

Most modern institutions like Apple Federal Credit Union 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.applefcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Apple Federal Credit Union rates compare?

Apple Federal Credit Union's CD rates are 35% higher than the MonitorBankRates national average, and it has an A+ health rating. Apple Federal Credit Union's top rates are its 12-Month Starter CD at 5.00% APY, its EdVantage Savings at 3.00% APY, its Commercial Money Market at 4.00% APY, its Investors Checking at 1.00% APY, its Signature Loan - Auto at 8.49% APR and its Student Visa Credit Card at 9.90% APR, verified by MonitorBankRates on October 31, 2026.

Current Apple Federal Credit Union Rates

12-Month CD3.00%
24-Month CD3.75%
60-Month CD3.75%
Savings3.00%
MMA4.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Apple Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Apple Federal Credit Union Texas Ratio

Apple Federal Credit Union Health Trend

Apple Federal Credit Union CD Rates

Apple Federal Credit Union Savings Rates

Apple Federal Credit Union Money Market Rates

Apple Federal Credit Union Business Money Market Rates

Apple Federal Credit Union Checking Rates

Apple Federal Credit Union Auto Loan Rates

Apple Federal Credit Union RV, Boat and Powersport Loan Rates

Apple Federal Credit Union Student Loan Rates

Apple Federal Credit Union Credit Card Rates

Apple Federal Credit Union Personal Loan Rates

Apple Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Apple Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Apple Federal Credit Union

Does Apple Federal Credit Union offer CDs?

Are CDs from Apple Federal Credit Union NCUA insured?

What is the highest CD rate at Apple Federal Credit Union?

What CD terms does Apple Federal Credit Union offer?

What is the highest savings rate at Apple Federal Credit Union?

What is the highest money market rate at Apple Federal Credit Union?

What is the highest checking rate at Apple Federal Credit Union?

What is the lowest auto loan rate at Apple Federal Credit Union?

What is the lowest personal loan rate at Apple Federal Credit Union?

What is the lowest credit card APR at Apple Federal Credit Union?

How many branches does Apple Federal Credit Union operate?

Is a member application needed to join Apple Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Apple Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Apple Federal Credit Union rates compare?

Current Apple Federal Credit Union Rates

Compare to Other Credit Unions