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Apple Federal Credit Union Rates & Review June 2026

Apple Federal Credit Union's 12 Month Starter rates are at 4.50%, 12-Month Starter CD rates are at 4.50%, 12 Month rates are at 3.75%, 36 Month rates are at 3.75%, 60 Month rates are at 3.75%. 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 3.07%. Rates were last updated on 06/03/2026.

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 ?
3.07%
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 - 4.50% 12 Month Starter
No additional details.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
12-Month Starter Certificate - 4.50% 12 months
Min Deposit $50
Min Balance $50
Details Maximum $5,000. Additional deposits are permitted at any time until maturity, up to the maximum. A penalty may be imposed for early withdrawals. If the Certificate is redeemed prior to the maturity date the following penalty will apply: If the term is over 6 months to 60 months - the lesser of dividends earned since issuance or renewal or 180 days dividends. There is no penalty for withdrawals as a result of the death of any owner. If the Certificate is withdrawn within the 10 days following the maturity date, no penalty will apply. Fees could reduce earnings on the account. See Starter Certificate Disclosure for complete terms. APY = Annual Percentage Yield as of 06/03/2026 for a 12-month Starter Certificate; subject to change at any time.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
12 Month - 3.75% 12 Month
No additional details.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
36 Month - 3.75% 36 Month
No additional details.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
60 Month - 3.75% 60 Month
No additional details.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
12, 36 and 60-month options Jumbo Certificate - 3.75% 12, 36 and 60-month options
Min Deposit $50,000
Details IRA available. APY is subject to change without notice. All rates are effective as of 06/03/2026.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
12 Month - 3.70% 12 Month
No additional details.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
120 Month - 3.70% 120 Month
No additional details.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
15 Month - 3.70% 15 Month
No additional details.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
24 Month - 3.70% 24 Month
No additional details.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
36 Month - 3.70% 36 Month
No additional details.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
48 Month - 3.70% 48 Month
No additional details.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
60 Month - 3.70% 60 Month
No additional details.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
84 Month - 3.70% 84 Month
No additional details.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
6-120 month Regular Certificate - 3.70% 6-120 months
Min Deposit $500
Details APY is subject to change without notice. Penalty may be imposed for early withdrawal; fees could reduce earnings. All rates are effective as of 06/03/2026.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
6-120 month Regular IRA Certificate - 3.70% 6-120 months
Min Deposit $500
Details APY is subject to change without notice. Penalty may be imposed for early withdrawal; fees could reduce earnings. All rates are effective as of 06/03/2026.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
6 Month - 3.35% 6 Month
No additional details.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
11 Month No Penalty - 3.00% 11 Month No Penalty
No additional details.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
11-Month No Penalty Certificate - 3.00% 11 months
Min Deposit $500
Details Limited-time offer. A penalty will not be imposed for the first withdrawal, but subsequent withdrawals may impose a penalty. To request your one no-penalty withdrawal, visit any branch or call 703-788-4800. If the Certificate is redeemed prior to the maturity date the following penalty will apply: If the term is over 6 months to 60 months - the lesser of dividends earned since issuance or renewal or 180 days dividends. There is no penalty for withdrawals as a result of the death of any owner. If the Certificate is withdrawn within the 10 days following the maturity date, no penalty will apply. Fees could reduce earnings on the account. See No Penalty Disclosure for complete terms. APY = Annual Percentage Yield as of 06/03/2026 for a limited time, 11-month Regular or Commercial No Penalty Certificate; subject to change at any time.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%

Apple Federal Credit Union Savings Rates

Product Rate APY View More
EdVantage Savings - 3.00%
Min Deposit $0
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
eXtras Student Savings - 3.00%
No additional details.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
SafetyNet Savings - 2.75%
Min Deposit $0
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Education SuperSaver - 1.25%
No additional details.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
SafetyNet Savings - 1.00%
Min Deposit $0
Min Balance $10,000
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Holiday Club Account - 0.25%
No additional details.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Vacation Club Account - 0.25%
No additional details.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
eXtras Student Savings - 0.10%
Min Balance $1,500
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Regular Savings - 0.10%
Min Deposit $5
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%

Apple Federal Credit Union Money Market Rates

Product Rate APY View More
Commercial Money Market - 4.00%
Details Balance Tier: $1,000,000 and over
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Money Market - 4.00%
Min Deposit $1,000,000
Details As High As. Minimum opening deposit for 4.00% is $1,000,000. No monthly maintenance fees or ongoing balance requirements. No minimum withdrawal requirements. Make deposits in any amount at any time. Dividends are compounded daily and paid monthly. APY = Annual Percentage Yield is subject to change without notice. All rates are effective as of 06/03/2026.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Commercial Money Market - 3.50%
Details Balance Tier: $500,000 to $999,999
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Commercial Money Market - 3.00%
Details Balance Tier: $250,000 to $499,999
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Money Market - 3.00%
Min Balance $1,000,000
Details Compounded Monthly
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Money Market - 2.00%
Min Balance $250,000
Details Compounded Monthly
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Money Market - 1.75%
Min Balance $100,000
Details Compounded Monthly
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Money Market - 1.70%
Min Balance $50,000
Details Compounded Monthly
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Money Market - 1.60%
Min Balance $20,000
Details Compounded Monthly
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Money Market - 1.55%
Min Balance $2,500
Details Compounded Monthly
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Commercial Money Market - 1.50%
Details Balance Tier: $100,000 to $249,999
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Commercial Money Market - 1.40%
Details Balance Tier: $50,000 to $99,999
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Commercial Money Market - 1.25%
Details Balance Tier: $20,000 to $49,999
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Commercial Money Market - 1.00%
Details Balance Tier: Up to $19,999
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Money Market - 0.50%
Min Balance $0
Details Compounded Monthly
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%

Apple Federal Credit Union Checking Rates

Product Rate APY View More
Investors Checking - 1.00%
Details Up to $19,999
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Core Corporate Checking - 0.40%
Details Dividends paid monthly. Monthly maintenance fee is $25 if average daily balance falls below $15,000. Excessive items fee per month ($0.15 per debit, $0.30 per credit, $0.10 per item deposited). Low cash deposit and withdrawal fees. APY = Annual Percentage Yield is subject to change without notice. All rates are effective as of 06/03/2026.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Advantage Checking - 0.05%
No additional details.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Core Advantage Checking - 0.05%
Details Dividends paid monthly. Monthly maintenance fee is $25 if average daily balance falls below $5,000. Excessive items fee per month ($0.30 per item over 500). Low cash deposit and withdrawal fees. APY = Annual Percentage Yield is subject to change without notice. All rates are effective as of 06/03/2026.
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Investors Checking - 0.05%
Details $20,000 or more
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%

Apple Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 4.24%
Details As low as; *APR = Annual Percentage Rate
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%

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 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Educator Visa - 11.49%
Details As Low As; Up to $35,000
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Visa Platinum - 11.49%
Details As Low As; Up to $35,000
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
MyRewards Visa - 12.99%
Details As Low As; Up to $5,000
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Signature Rewards Visa - 12.99%
Details As Low As; Up to $50,000
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%
Credit Builder Visa - 18.00%
Details As Low As; Up to $5,000
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.07%

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
3.07%
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

There are no reviews for Apple Federal Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Apple Federal Credit Union

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 CD3.00%
  • 24-Month CD3.70%
  • 60-Month CD3.70%
  • Savings0.10%
  • MMA0.50%
Retrieved from our database of financial products. Rates subject to change.