Share Certificates offer our members who can commit to a fixed term the chance to earn higher returns.

Apple offers a wide variety of certificates… 6 months, 12 months, 15 months, 24 months, 36 months, 48 months, 60 months, 84 months and 120 months with a minimum deposit of $500.

Jumbo Certificate
Apple’s Jumbo Certificate lets you choose the term AND heighten your earning potential! Start by making an investment of $50,000 or more, then choose your term—12, 36 or 60 months. Your selected Jumbo Certificate will then begin to earn the current 12, 36 or 60 month annual percentage yield—depending on your decided term—plus an additional .05%.

*APY=Annual Percentage Yield; yield reflects a 60-month certificate.

Step-Up to Greater Savings!
Unlike a traditional certificate with a locked rate, the "Step-Up" certificate begins at a lower initial Annual Percentage Yield (APY) and gives you one opportunity to "step up" to a higher rate (if/when available). And, your maturity date never changes. It's a great way to make the most of your money! This offer is valid on 36-month share and IRA certificates. Funds cannot be added to the original amount. See the comparison chart below.