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Apple Federal Credit Union Rates & Review April 2026

Apple Federal Credit Union's 12-Month Starter CD rates are at 5.00%, Jumbo and Jumbo IRA CD 12 Month rates are at 3.90%, 12-month CD rates are at 3.85%, Jumbo and Jumbo IRA CD 60 Month rates are at 3.70%, Jumbo and Jumbo IRA CD 36 Month rates are at 3.65%. Apple Federal Credit Union's savings rates are at 0.10%. Apple Federal Credit Union's money market rates are at 0.50%. Apple Federal Credit Union's Personal Loan Rates are at 4.24%. 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 3.26%. Rates were last updated on 03/25/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.26%
Excellent Lower than avg
Apple Federal Credit Union
Fairfax Corner Branch
4097 Monument Corner Dr
Fairfax, VA 22030 8640
https://www.applefcu.org
Member NCUA

Apple Federal Credit Union CD Rates

Product Rate APY Term View More
12-Month Starter Certificate - 5.00%
Min Deposit $50
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Jumbo and Jumbo IRA Certificate 12 Month - 3.90% 12
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
12-month Certificate - 3.85% 12
Min Deposit $10,000
Details $10,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Jumbo and Jumbo IRA Certificate 60 Month - 3.70% 60
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Jumbo and Jumbo IRA Certificate 36 Month - 3.65% 36
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
11 month No Penalty Certificate - 2.96% 11 months
Min Deposit $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%

Apple Federal Credit Union Savings Rates

Product Rate APY View More
EdVantage Savings - 3.00%
Details Qualifying balance up to $10,000.00
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
eXtras Student Savings - 3.00%
Details Qualifying balance up to $1,499.00
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
SafetyNet Savings - 2.00%
Details Qualifying balance up to $30,000.00
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Education SuperSaver - 1.25%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Holiday Club Account - 0.25%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Vacation Club Account - 0.25%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
eXtras Student Savings - 0.10%
Min Balance $1,500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Regular Savings - 0.10%
Min Deposit $5
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%

Apple Federal Credit Union Money Market Rates

Product Rate APY View More
Commercial Money Market - 4.00%
Min Balance $1,000,000
Details Qualifying balance up to $1,000,000.00
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Money Market - 4.00%
Min Deposit $1,000,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Commercial Money Market - 3.50%
Min Balance $500,000
Details Qualifying balance up to $999,999.00
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Commercial Money Market - 3.00%
Min Balance $250,000
Details Qualifying balance up to $499,999.00
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Money Market - 3.00%
Min Balance $1,000,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Money Market - 2.00%
Min Balance $250,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Money Market - 1.75%
Min Balance $100,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Money Market - 1.70%
Min Balance $50,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Money Market - 1.60%
Min Balance $20,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Money Market - 1.55%
Min Balance $2,500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Commercial Money Market - 1.50%
Min Balance $100,000
Details Qualifying balance up to $249,999.00
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Commercial Money Market - 1.40%
Min Balance $50,000
Details Qualifying balance up to $99,999.00
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Commercial Money Market - 1.25%
Min Balance $20,000
Details Qualifying balance up to $49,999.00
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Commercial Money Market - 1.00%
Details Qualifying balance up to $19,999.00
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Money Market - 0.50%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%

Apple Federal Credit Union Checking Rates

Product Rate APY View More
Investors Checking - 1.00%
Details Qualifying balance up to $19,999.00
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Core Corporate Checking - 0.40%
Min Deposit $15,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Advantage Checking - 0.05%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Core Advantage Checking - 0.05%
Min Deposit $5,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%

Apple Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
Signature Line of Credit - Variable - - 10.99%
Details As Low As; Up to $50,000; APR is Prime Rate** + 4.24 - 14.99%
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%

Apple Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loan(Includes Refinance) - up to 36 months - - 4.24% 36
Details As Low As; Minimum loan of $5,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
New Auto Loan(Includes Refinance) - up to 48 months - - 4.49% 48
Details As Low As; Minimum loan of $5,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
New Auto Loan(Includes Refinance) - up to 60 months - - 4.74% 60
Details As Low As; Minimum loan of $5,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Used Auto Loan - - 4.74% 36
Details As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
New Auto Loan(Includes Refinance) - up to 72 months - - 4.99% 72
Details As Low As; Minimum loan of $15,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Used Auto Loan - - 4.99% 48
Details As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
New Auto Loan(Includes Refinance) - up to 84 months - - 5.24% 84
Details As Low As; Minimum loan of $25,000; vehicle must be current or previous model year.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Used Auto Loan - - 5.24% 60
Details As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Used Auto Loan - - 5.49% 72
Details As Low As; Minimum loan amount $15,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Used Auto Loan - - 5.74% 84
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 115,000.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%

Apple Federal Credit Union Credit Card Rates

Product Rate APR View More
Student Visa - 9.90%
Details As Low As; Up to $1,500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Educator Visa - 11.49%
Details As Low As; Up to $35,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Visa Platinum - 11.49%
Details As Low As; Up to $35,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
MyRewards Visa - 12.99%
Details As Low As; Up to $5,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Signature Rewards Visa - 12.99%
Details As Low As; Up to $50,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%
Credit Builder Visa - 18.00%
Details As Low As; Up to $5,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.37%

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
Address 4097 Monument Corner Dr, Fairfax, VA 22030 8640
Phone 703-788-4800
Fax
President Calanthia Tucker
CEO Andrew Grimm
Full-Time Employees 576
Part-Time Employees 31
Branch Locations 24
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+ (98/100)
Texas Ratio
3.26%
Return on Assets (ROA)
0.6235%
Return on Equity (ROE)
5.8042%
Non-Performing Loans Ratio (NPL)
0.57%
Total Assets
5,333,284,748
Total Amount of Shares and Deposits
4,430,449,060
Total Shares and Deposits < 1 Year
3,937,032,455
Total Shares and Deposits 1 3 Years
401,363,682
Total Shares and Deposits > 3 Years
92,052,923
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
528,609,267
Total Uninsured Shares and Deposits > $250K (F+J)
528,609,267
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,901,839,793
Total Interest Expense (Sum of items 6 8)
76,008,200
Share Certificates
52,462
Number of Accounts for Share Drafts
187,742
IRA KEOGH Accounts
10,599
Number of Accounts for Regular Shares
326,038
All other shares
945
Non Member Deposits
10
Money Market Shares
29,298
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
359,544,322
Total Liabilities
4,858,783,980
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Apple Federal Credit Union

Is Apple Federal Credit Union a safe place to deposit money?

Yes, Apple Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.2620095073946%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

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.

Current Apple Federal Credit Union Rates

  • 12-Month CD2.96%
  • 60-Month CD3.70%
  • Savings0.10%
  • MMA0.50%
Retrieved from our database of financial products. Rates subject to change.