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%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Apple Federal Credit Union Rates & Review October 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: October 7, 2026

Apple Federal Credit Union's top rates as of October 7, 2026 are 5.00% APY on its 12-Month Starter CD, 3.00% APY on savings, 4.00% APY on money market accounts, 1.00% APY on checking, auto loans from 8.49% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Apple Federal Credit Union CD rates include Jumbo 12 Month CD at 3.80%, Jumbo 36 Month CD at 3.80%, and Jumbo 60 Month CD at 3.80%. 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 10/07/2026.

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 Q2 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 months
Min Deposit $50 Details Maximum $5,000. Add additional funds at any time up to $5,000 maximum. One Starter Certificate per membership. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.00% APY · checked 6 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 10/07/2026 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 10/07/2026 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 10/07/2026 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 IRA available. 12-, 36- and 60-month options. Last Updated 10/07/2026 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 Month
No additional details. Last Updated 10/07/2026 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 Month
No additional details. Last Updated 10/07/2026 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 Month
No additional details. Last Updated 10/07/2026 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 Month
No additional details. Last Updated 10/07/2026 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 Month
No additional details. Last Updated 10/07/2026 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 Month
No additional details. Last Updated 10/07/2026 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 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 6 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 Limited-time offer. No-penalty withdrawal permitted during the term. Subsequent withdrawals may impose a penalty. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 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 Balance: up to $10,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
eXtras Student Savings	-	3.00%
Details Balance: up to $1,499 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
SafetyNet Savings	-	2.75%
Details Balance: up to $10,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Education SuperSaver	-	1.25%
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
SafetyNet Savings	-	1.00%
Min Balance $10,001 Details Balance: over $10,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Holiday Club Account	-	0.25%
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Vacation Club Account	-	0.25%
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
eXtras Student Savings	-	0.10%
Min Balance $1,500 Details Balance: $1,500 or more Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Regular Savings	-	0.10%
Min Deposit $5 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Regular Savings	-	0.10%
Min Balance $20,000 Details Balance: $20,000 and over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 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	-	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 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Money Market Account	-	3.00%
Min Balance $1,000,000 Details Balance: $1,000,000 or more Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 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 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.00% APY · checked 2 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 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.75% APY · checked 2 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 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.70% APY · checked 2 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 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.60% APY · checked 2 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 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Money Market Account	-	0.50%
Min Balance $0 Details Balance: up to $2,499 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 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 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 2 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 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 2 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 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 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 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 2 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 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.40% APY · checked 2 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 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Commercial Money Market	-	1.00%
Min Balance $0 Details Balance: Up to $19,999 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 2 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 Up to $19,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Advantage Checking	-	0.05%
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Investors Checking	-	0.05%
Min Deposit $15 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 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	-	-	4.24%	up to 36 months
Details Minimum loan of $5,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
New Auto	-	-	4.49%	up to 48 months
Details Minimum loan of $5,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
New Auto	-	-	4.74%	up to 60 months
Details Minimum loan of $5,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
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 10/07/2026 Rate History No change since Sep 18, 2026 · 4.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
New Auto	-	-	4.99%	up to 72 months
Details Minimum loan of $15,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
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 10/07/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
New Auto	-	-	5.24%	up to 84 months
Details Minimum loan of $25,000; vehicle must be current or previous model year. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
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 10/07/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
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 10/07/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
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 10/07/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
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 10/07/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 6 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 Loan	-	4.54%	up to 36 months
Details 100% of purchase price Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.54% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
New Motorcycle Loan	-	5.14%	up to 48 months
Details 100% of purchase price Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.14% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
New Motorcycle Loan	-	5.39%	up to 60 months
Details 100% of purchase price; minimum loan $8,500 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.39% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Used Motorcycle Loan	-	5.39%	up to 36 months
Details Up to 100% NADA retail value Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.39% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
New Motorcycle Loan	-	5.64%	up to 72 months
Details 100% of purchase price. Minimum loan $15,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.64% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Used Motorcycle Loan	-	5.64%	up to 48 months
Details Up to 100% NADA retail value Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.64% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
New Motorcycle Loan	-	5.89%	up to 84 months
Details 100% of purchase price; minimum loan $20,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.89% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Used Motorcycle Loan	-	5.89%	up to 60 months
Details Up to 100% NADA retail value; minimum loan $8,500 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.89% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Used Motorcycle Loan	-	6.14%	up to 72 months
Details Up to 100% NADA retail value; minimum loan $15,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 6.14% APR · checked 6 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 For members, ages 18 to 25; Credit Lines up to $1,500; Fixed-Rate. 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. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 9.90% APR · checked 6 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 Up to $1,500 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 9.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
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% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 11.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Educator Visa	-	11.49%
Details Up to $35,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 11.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Visa Platinum	-	11.49%
Details Up to $35,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 11.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
MyRewards Visa	-	12.99%
Details Up to $5,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 12.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Signature Rewards Visa	-	12.99%
Details Up to $50,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 12.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Credit Builder Visa	-	18.00%
Details Up to $5,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 18.00% APR · checked 6 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 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 10/07/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Signature Loan	9.99%
Details Up to $50,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Signature Line of Credit - Variable	11.24%
Details Up to $50,000; APR is Prime Rate** + 4.24 - 14.99% Last Updated 10/07/2026 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 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. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 12.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Signature Rewards Visa	12.99%
Details Up to $50,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 12.99% APR · checked 6 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
Credit Builder Loan	-	-	18.00%
Details Secured Credit up to $5,000; Help establish or to rebuild credit; Deposit $250 - $5,000 into your Savings Account and that amount becomes your credit limit. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 18.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Educator Loan	-	-	11.49%
Details Qualifications Required: 1 minimum $500 Direct Deposit; Intro rate expires: 12 months; Regular APR: 3.99% Introductory APR on purchases only for qualifying members, for a period of 12 months. After that, or if you do not qualify for the Introductory APR, your APR will be changed 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. Educator Visa account must be in good standing (no past due balances or over limit). Interest will continue to accrue. Applicants must be currently employed by an Apple Federal Credit Union Select Employee Group School System: Clarke County, Fairfax, Falls Church, Frederick County, Loudoun County, Manassas City, Manassas Park, Prince William and Stafford AND have a minimum $500 Direct Deposit. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 11.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
MyRewards 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. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 12.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Platinum Loan	-	-	11.49%
Details Low, variable rate; Credit Lines up to $35,000. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 11.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Bonus Certificate	-	-	4.50%
Min Deposit $500 Details Limited-time offer. Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00% Oct 7, 20264.50%▲ from 4.10% Sep 24, 20264.10%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Business Sweep Account	-	-	4.00%
Min Balance $25,000 Details No transaction limit. Automatic transfers. Free Apple FCU Online and Mobile Banking. Earns tiered dividends. The monthly fee for falling below the Minimum Balance is $25.00. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Coverdell ESA Share	-	-	5.00%
Details Balance: up to $19999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Summer Pay (Educator Exclusive)	-	-	3.00%
Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.85%
Traditional IRA Share	-	-	1.01%
Min Balance $0 Details Balance: $0.00 - $2,499 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.01% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.01% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.20% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.45% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 6 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.
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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

Q2 2026 MBR Health & Safety Badge

Apple Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

<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-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 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

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 CD3.75%
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 October 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

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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