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: 3.70%, 60-Month CD: 3.70%, Savings: 0.10%, MMA: 0.50%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Credit Unions›
Apple Federal Credit Union

iAdvertiser Disclosure

Apple Federal Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

Apple Federal Credit Union's 12 Month Starter CD rates are at 5.00%, 12-Month Starter CD rates are at 5.00%, Jumbo 12 Month CD rates are at 3.75%, Jumbo 36 Month CD rates are at 3.75%, Jumbo 60 Month CD 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 Auto Loan Rates are as low as 8.49%. Apple Federal Credit Union's Credit Card Rates are at 9.90%. 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 2.61%. Rates last updated and verified on 09/18/2026.

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

2.61%

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

Apple Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Starter Certificate	-	5.00%	12 Month
Details Term: 12 Month Starter Certificate Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
12-Month Starter Certificate	-	5.00%	12 months
Min Deposit $50 Details Don't let a lack of existing savings hold you back. Your journey begins with your first step on a steady path towards financial security. 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. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Jumbo 12 Month Certificate	-	3.75%	12 Month Certificate
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Jumbo 36 Month Certificate	-	3.75%	36 Month Certificate
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Jumbo 60 Month Certificate	-	3.75%	60 Month Certificate
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
12 Month Certificate	-	3.70%	12 Month Certificate
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
15 Month Certificate	-	3.70%	15 Month Certificate
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
24 Month Certificate	-	3.70%	24 Month Certificate
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
36 Month Certificate	-	3.70%	36 Month Certificate
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
48 Month Certificate	-	3.70%	48 Month Certificate
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
60 Month Certificate	-	3.70%	60 Month Certificate
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
6 Month Certificate	-	3.35%	6 Month Certificate
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
11 Month No Penalty Certificate	-	3.00%	11 Month
Details Term: 11 Month No Penalty Certificate Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
11-Month No Penalty Certificate	-	3.00%	11 months
Min Deposit $500 Details Enjoy great rates and guaranteed savings with the flexibility of a penalty-free withdrawal with this limited-time Certificate. 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. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%

Apple Federal Credit Union Savings Rates

Product	Rate	APY
EdVantage Savings	-	3.00%
Details Balance: up to $10,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
eXtras Student Savings	-	3.00%
Details Balance: up to $1,499 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
SafetyNet Savings	-	2.75%
Details Balance: up to $10,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Education SuperSaver	-	1.25%
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
SafetyNet Savings	-	1.00%
Min Balance $10,000 Details Balance: over $10,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Holiday Club Account	-	0.25%
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Vacation Club Account	-	0.25%
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
eXtras Student Savings	-	0.10%
Min Balance $1,500 Details Balance: $1,500 or more Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Regular Savings	-	0.10%
Min Deposit $5 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Regular Savings	-	0.10%
Min Balance $20,000 Details Balance: $20,000 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%

Apple Federal Credit Union Money Market Rates

Product	Rate	APY
Commercial Money Market	-	4.00%
Details Balance: $1,000,000 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Money Market	-	4.00%
Min Deposit $1,000,000 Details 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 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Commercial Money Market	-	3.50%
Details Balance: $500,000 to $999,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Commercial Money Market	-	3.00%
Details Balance: $250,000 to $499,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Money Market	-	3.00%
Min Balance $1,000,000 Details Balance: $1,000,000 or more Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Money Market	-	2.00%
Min Balance $250,000 Details Balance: $250,000 - $999,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Money Market	-	1.75%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Money Market	-	1.70%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Money Market	-	1.60%
Min Balance $20,000 Details Balance: $20,000 - $49,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Money Market	-	1.55%
Min Balance $2,500 Details Balance: $2,500 - $19,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Commercial Money Market	-	1.50%
Details Balance: $100,000 to $249,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Commercial Money Market	-	1.40%
Details Balance: $50,000 to $99,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Commercial Money Market	-	1.25%
Details Balance: $20,000 to $49,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Commercial Money Market	-	1.00%
Details Balance: Up to $19,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Money Market	-	0.50%
Details Balance: up to $2,499 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%

Apple Federal Credit Union Checking Rates

Product	Rate	APY
Investors Checking	-	1.00%
Min Deposit $15 Details Investors Checking (Up to $19,999) Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Investors Checking	-	1.00%
Details For savvy investors who invest at least $25,000 with Apple Financial Services , Apple's wealth management division, a premium dividend will be earned on a checking account balance up to $20,000. Some institutions may impose a surcharge; up to $10 worth of fees refunded within 24 hours per month. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Advantage Checking	-	0.05%
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Investors Checking	-	0.05%
Min Deposit $15 Details Investors Checking ($20,000 or more) Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%

Apple Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.10%	36-month
Details As Low As; Includes a 0.25% Direct Deposit rate discount. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Current Apple FCU Auto Loans are not eligible for refinance. 0.25% rate discount contingent upon an active, monthly direct deposit into an Apple FCU Savings or Checking account. If you fail to set up Direct Deposit within 60 days of Loan closing, or at any point during the life of the Loan are no longer receiving the Direct Deposit, the rate will increase by .25% above the interest rate disclosed in the Loan and Security Agreement, beginning the first day of the month following any such occurrence, and until all Principal is paid in full. The discount cannot be reinstated during the term of the loan. Apple FCU Direct Deposit will be paid up to 2 days early depending on employer. Payments based on $20,000 loan amount. Maximum loan amount of $100,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Used Auto Loan	-	-	4.10%	36-month
Details As Low As; Includes a 0.25% Direct Deposit rate discount. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Used Auto Loans 9-10 model years max term 60 months and rates for 36 months priced 0.50% above regular rate, 48 months priced 0.75% above regular rate, and 60 months priced 1.00% above regular rates. Current Apple FCU Auto Loans are not eligible for refinance. Max mileage of 150,000. 0.25% rate discount contingent upon an active, monthly direct deposit into an Apple FCU Savings or Checking account. If you fail to set up Direct Deposit within 60 days of Loan closing, or at any point during the life of the Loan are no longer receiving the Direct Deposit, the rate will increase by .25% above the interest rate disclosed in the Loan and Security Agreement, beginning the first day of the month following any such occurrence, and until all Principal is paid in full. The discount cannot be reinstated during the term of the loan. Apple FCU Direct Deposit will be paid up to 2 days early depending on employer. Payments based on $20,000 loan amount. Maximum loan amount of $100,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
New Auto Loan	-	-	4.24%	up to 36 months
Details Minimum loan of $5,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
New Auto Loan	-	-	4.49%	up to 48 months
Details Minimum loan of $5,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
New Auto Loan	-	-	4.74%	up to 60 months
Details Minimum loan of $5,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Used Auto	-	-	4.74%	up to 36 months
Details Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
New Auto Loan	-	-	4.99%	up to 72 months
Details Minimum loan of $15,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Used Auto	-	-	4.99%	up to 48 months
Details Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
New Auto Loan	-	-	5.24%	up to 84 months
Details Minimum loan of $25,000; vehicle must be current or previous model year. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Used Auto	-	-	5.24%	up to 60 months
Details Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Used Auto	-	-	5.49%	up to 72 months
Details Minimum loan of $15,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Used Auto	-	-	5.74%	up to 84 months
Details 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. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Signature Loan - Auto	-	-	8.49%
Details 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 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%

Apple Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	4.10%	36-month
Details As Low As; Includes a 0.25% Direct Deposit rate discount. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Current Apple FCU Auto Loans are not eligible for refinance. 0.25% rate discount contingent upon an active, monthly direct deposit into an Apple FCU Savings or Checking account. If you fail to set up Direct Deposit within 60 days of Loan closing, or at any point during the life of the Loan are no longer receiving the Direct Deposit, the rate will increase by .25% above the interest rate disclosed in the Loan and Security Agreement, beginning the first day of the month following any such occurrence, and until all Principal is paid in full. The discount cannot be reinstated during the term of the loan. Apple FCU Direct Deposit will be paid up to 2 days early depending on employer. Payments based on $20,000 loan amount. Maximum loan amount of $25,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Used Motorcycle Loan	-	4.10%	36-month
Details As Low As; Includes a 0.25% Direct Deposit rate discount. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Current Apple FCU Auto Loans are not eligible for refinance. 0.25% rate discount contingent upon an active, monthly direct deposit into an Apple FCU Savings or Checking account. If you fail to set up Direct Deposit within 60 days of Loan closing, or at any point during the life of the Loan are no longer receiving the Direct Deposit, the rate will increase by .25% above the interest rate disclosed in the Loan and Security Agreement, beginning the first day of the month following any such occurrence, and until all Principal is paid in full. The discount cannot be reinstated during the term of the loan. Apple FCU Direct Deposit will be paid up to 2 days early depending on employer. Payments based on $20,000 loan amount. Maximum loan amount of $25,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
New Motorcycle Loan	-	4.54%	up to 36 months
Details 100% of purchase price Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
New Motorcycle Loan	-	5.14%	up to 48 months
Details 100% of purchase price Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
New Motorcycle Loan	-	5.39%	up to 60 months
Details 100% of purchase price; minimum loan $8,500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Used Motorcycle Loan	-	5.39%	up to 36 months
Details Up to 100% NADA retail value Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
New Motorcycle Loan	-	5.64%	up to 72 months
Details 100% of purchase price. Minimum loan $15,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Used Motorcycle Loan	-	5.64%	up to 48 months
Details Up to 100% NADA retail value Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
New Motorcycle Loan	-	5.89%	up to 84 months
Details 100% of purchase price; minimum loan $20,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Used Motorcycle Loan	-	5.89%	up to 60 months
Details Up to 100% NADA retail value; minimum loan $8,500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Used Motorcycle Loan	-	6.14%	up to 72 months
Details Up to 100% NADA retail value; minimum loan $15,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%

Apple Federal Credit Union Student Loan Rates

Product	Rate	Points	APR	Term	View More
Student Loan	-	-	9.90%
Details For members, ages 18 to 25. Credit Lines up to $1,500. Members may retain the card for six (6) years or until age 25, whichever comes first. Proof of income, or a qualified co-applicant required for student applicants under age 21. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%

Apple Federal Credit Union Credit Card Rates

Product	Rate	APR
Student Visa	-	9.90%
Details As Low As; Up to $1,500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Credit Card	-	11.49%
Details Published APR range: 11.49% to 18.00%. Intro rate expires: 12 months; Regular APR: 11.49% to 18.00% based on your creditworthiness. APR varies with the market based on the Prime Rate and is subject to change daily. To see the current available rates, please view the Educator Visa disclosure. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Educator Visa	-	11.49%
Details As Low As; Up to $35,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Visa Platinum	-	11.49%
Details As Low As; Up to $35,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
MyRewards Visa	-	12.99%
Details As Low As; Up to $5,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Signature Rewards Visa	-	12.99%
Details As Low As; Up to $50,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Credit Builder Visa	-	18.00%
Details As Low As; Up to $5,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%

Apple Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan - Auto	8.49%
Details 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 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Signature Loan	9.99%
Details Up to $50,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Signature Line of Credit - Variable	10.99%
Details Up to $50,000; APR is Prime Rate** + 4.24 - 14.99% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Signature Rewards Loan	12.99%
Details 3X Points on Gas, 2X Points on Groceries, 1 Point on Everything Else. Credit Lines up to $50,000. Complimentary 24-hour Visa Signature Concierge Service. Redeem points for cash, gift cards, travel and more. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Signature Rewards Visa	12.99%
Details As Low As; Up to $50,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%

Apple Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Credit Builder Loan	-	-	18.00%
Details Secured Credit up to $5,000. Deposit $250 - $5,000 into your Savings Account and that amount becomes your credit limit. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Educator Line of Credit	-	-	6.75%
Details To qualify, applicant must be an educator. Educator is defined as anyone currently employed by or retired from the education industry, to include public/private schools, and colleges/universities in the United States. All employees or retirees, regardless of position, are eligible. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Educator Loan	-	-	11.49%
Details Created exclusively for educators. Credit Lines up to $35,000. No Payments During Summer Months. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
First Responder Line of Credit	-	-	6.75%
Details To qualify, applicant must be a first responder. First responder is defined as anyone currently or retired from working as law enforcement, firefighters, EMS personnel and healthcare professionals. All employees or retirees, regardless of position, are eligible. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
MyRewards Platinum Loan	-	-	12.99%
Details 3X Points on Gas, 2X Points on Groceries, 1 Point on Everything Else. Credit Lines up to $5,000. Redeem points for cash, gift cards, travel and more. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Platinum Loan	-	-	11.49%
Details Low, variable rate. Credit Lines up to $35,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Bonus Certificate	-	-	4.00%
Min Deposit $500 Details Keep your eye out for our limited-time Bonus Certificates! Be sure to take advantage while they last. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Business Sweep Account	-	-	4.00%
Min Deposit $1,000,000 Min Balance $25,000 Details No transaction limit; Automatic transfers; Free Apple FCU Online and Mobile Banking; The monthly fee for falling below the Minimum Balance is $25.00. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Celebrate Smarter with 4.10% APY	-	-	4.10%
Details A limited-time rate to celebrate 70 years. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Coverdell ESA Share	-	-	5.00%
Details Balance: up to $19999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Jumbo Certificate	-	-	3.75%
Min Deposit $50,000 Details For those seeking more substantial growth potential, our Jumbo Certificate offers an exceptional opportunity to maximize your returns; IRA available. 12-, 36- and 60-month options. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Regular Certificate	-	-	3.70%
Min Deposit $500 Details Elevate your savings strategy with this secure, lucrative option, terms from 6-120 months. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Regular IRA Certificate	-	-	3.70%
Min Deposit $500 Details Crafted exclusively for Individual Retirement Accounts (IRAs), this Certificate helps you achieve your financial goals, terms from 6-120 months. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Summer Pay (Educator Exclusive)	-	-	3.00%
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Traditional IRA Share	-	-	1.01%
Min Balance $0 Details Balance: up to $2,499 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Traditional IRA Share	-	-	1.50%
Min Balance $250,000 Details Balance: $250,000 - $999,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Traditional IRA Share	-	-	1.01%
Min Balance $2,500 Details Balance: $2,500 - $19,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Traditional IRA Share	-	-	1.20%
Min Balance $20,000 Details Balance: $20,000 - $49,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Traditional IRA Share	-	-	1.45%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Traditional IRA Share	-	-	1.50%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Traditional IRA Share	-	-	1.50%
Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%

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 1.48% in Q2 2023 to 2.61% in Q1 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
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+
June 30, 2023	$4.3B	1.48%	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 577

Part-Time Employees 28

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

2.61%

Return on Assets (ROA)

0.4869%

Return on Equity (ROE)

4.4975%

Non-Performing Loans Ratio (NPL)

0.50%

Total Assets

5,621,553,027

Total Amount of Shares and Deposits

4,695,038,748

Total Shares and Deposits < 1 Year

4,286,636,182

Total Shares and Deposits 1 3 Years

297,942,416

Total Shares and Deposits > 3 Years

110,460,150

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

591,537,947

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

591,537,947

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

4,103,500,801

Total Interest Expense (Sum of items 6 8)

26,108,831

Share Certificates

56,418

Number of Accounts for Share Drafts

187,744

IRA KEOGH Accounts

10,457

Number of Accounts for Regular Shares

325,535

All other shares

923

Non Member Deposits

Money Market Shares

30,283

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)

356,401,679

Total Liabilities

5,103,195,755

Source: NCUA — Last Updated 03/31/2026

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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/apple-federal-credit-union-rates-review-">
  <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.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Apple Federal Credit Union

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.

Compare to Other Credit Unions

Apple Federal Credit Union Rates & Review September 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 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

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?

Current Apple Federal Credit Union Rates

Compare to Other Credit Unions