Apple's Current Promotions
- Credit Card 0% Balance Transfer
- FREE Credit Report
- Reward yourself with a low-rate Auto Loan
- HELOC Rates Frozen Until 2016
- Pocket $50 with FREE Checking & Check Card
- Sign Up for eStatements & Win a Kindle Fire
- Save with General Motors
- Ourisman $200 Gas Card Giveaway
- FREE Seminars: Home Buying & Credit Basics
Consolidate Your Credit Card Balances
No Annual Fee | No Cash Advance Fee | Credit Lines Up To $35,000
If you’re juggling multiple credit cards, can't keep track of payments or due dates and often accrue late fees, putting all your credit card debt on one card may be a good move. You'll have just one card to keep track of and one low-rate payment to make each month.
Now through June 30, 2014, when you switch your high-rate balances to a new or existing Apple MyRewards, Variable-Rate Platinum or Mason Alumni Visa® Credit Card, you’ll save with special rates as low as 0% APR* for 12 months (Variable APR 5.74% - 18%*).
Switch and Save Today!
Transfer balances to an NEW Apple VISA Credit Card.Visa Platinum MyRewards Mason Alumni
Transfer balances to an EXISTING Apple Federal Credit Card.
- Complete the Balance Transfer Request Form
- Send the complete form in one of three easy ways:
- Fax to 703-667-8703
- Mail to: Apple Federal Credit Union
P.O. Box 1200, Fairfax, VA 22038-1200
- (or) Drop it off at any branch location.
To complete your balance transfer by phone 24/7, please call 800-654-7728.
*APR = Annual Percentage Rate as of 04/01/2014 only available on transfers to a variable rate Visa® Platinum, MyRewards Credit Card or Mason Alumni Visa. The 0% balance transfer APR offer is available 04/01/2014 - 06/30/2014 on balance transfers only. A 3% balance transfer fee during the promotional period applies. Balance transfer rates adjust to a variable APR (5.74%–18.00%) after the promotion period based on an evaluation of applicant credit — not all applicants will qualify for the lowest rate. The 0% APR will apply for twelve (12) months for every balance transfer completed within the promotional period from the first qualifying balance transfer. New and existing qualifying Apple Cardholders are eligible; some exclusions apply. The APR for purchases and cash advances will be disclosed at the time of credit approval.
Is Your Credit Report Accurate?
As many as 40 million Americans have a mistake on their credit report.
A mistake on your credit report can be costly. Poor credit scores can increase the interest you pay on loans, raise your insurance premiums, prevent you from getting a mortgage or buying a car, landing a job or renting an apartment. Unfortunately, errors that affect your overall score are not uncommon.
A new Federal Trade Commission (FTC) study, released in February, 2013, indicated as many as 40 million Americans have a mistake on their credit report. Twenty million have significant mistakes.
The FTC found that 21% of consumers had verified errors on their credit reports, 13% had errors that affected their credit scores, and 5% had errors serious enough to be denied or pay more for credit.
Credit report errors can come in many different forms, so it’s important to know what to look for when scanning your report for issues. According to a FindLaw.com survey, some of the most commonly reported problems were:
- Incorrect or outdated credit history information (e.g., delinquent payments, payment history, bankruptcies)
- Incorrect or outdated personal information (e.g., address, work history, marital status, criminal history)
- Identity theft or information mixed up with another person
- Credit score incorrectly reported as being too low
- Denied credit because of incorrect information in a credit report.
Don't let an error ruin your score.Review your FREE credit report!
Visit any Apple branch April 15 through June 30, 2014, for FREE access your credit report*. We may help you find ways to improve your score or save more money. Find a Branch
*Will appear as a soft hit credit inquiry on your credit report. Government-issued photo identification is
Source: Croteau, Michelle (2013, May 28). A Quarter of Americans Have Had a Problem With Their Credit Report, Says New FindLaw.com Survey, retrieved March 3, 2014, from FindLaw.com. Katz, Mitchell J. (2013, February 11). In FTC Study, Five Percent of Consumers Had Errors on Their Credit Reports That Could Result in Less Favorable Terms for Loans, retrieved March 3, 2014, from FTC.gov.
Reward Yourself with a Low-Rate Auto Loan!
Borrow from Apple and reward yourself with a vehicle you love and a payment you can afford. Whether you're buying new, used or looking to refinance† an existing auto loan from another lender, we can help.
- Rates as low as 1.49% APR*
- Up to 115% financing available
- Flexible terms: up to 84 months
- No hidden costs or early payoff penalties
- On-site Apple financing at Partner Dealerships—AppleFCU.org/Dealers
- Easy, online payments in NetBranch Online Banking
View current rates for all Vehicle Loans.New Auto Used Auto Refinance
*APR = Annual Percentage Rate as of 04/01/2014 for a new/used/refinanced Auto Loan, 36-month term. Rate is subject to change at any time. Rate based on an evaluation of applicant credit and amount financed. Your actual rate may vary (or be higher). **Payment is approximated for illustrative purposes based on the purchase of a new/refinanced $20,000 Auto, with no down payment and an 84-month term at 3.24% APR. † Current Apple FCU Auto Loans are not eligible for refinance.
Update Your Home or Take a Trip
Now you can comfortably finance your next big expense, take a well-deserved trip or consolidate unwanted debt. Make your plans and apply now through December 31, 2014, to lock-in your low rate until 2016*.
- Rates as low as 2.74% APR* Adjusts to the Prime Rate as published in the Wall Street Journal, currently 3.25% APR.
- Limits up to $250,000
- Borrow up to 100% Loan-To-Value** with other Home Equity products!
- Local underwriting for fast approval
- Apply online in as little as 20 minutes.
*APR = Annual Percentage Rate. Offer ONLY available for NEW HELOCs applied for online and approved 01/01/2014 – 12/31/2014. You may not pay off or make payment to other Apple FCU loans, credit cards or accounts with these proceeds. Advances made between 01/01/2014 and 12/31/2014 will be locked at your current APR until 12/31/2015. If rates go down before 12/31/2015 your APR will not be adjusted downward (floor rate of 3.99% for 85% LTV and less; 4.99% for 85.1% LTV or higher), and will increase when rates go up, but will not increase past your current APR until 01/01/2016. On 01/01/2016, the APR will be adjusted to the prime rate as published in the Wall Street Journal on 12/21/2015 plus or minus your current margin on the remaining balance and will be subject to change each quarter thereafter as stipulated by your original terms and conditions. Maximum interest rate 18.00% APR. Minimum advance of $250 required. Advance amounts must be within your existing credit limit. Advances in excess of your current credit limit will not be honored and may be subject to additional fees. If your account becomes delinquent at any time during the promotional period, you will forfeit these promotional terms and the APR on the unpaid balance will be increased to the appropriate quarterly rate offered at that time as disclosed in your original note. **Up to 100% LTV available. Promotional rate based on 85% LTV and less.
Checking accounts at Apple offer unique options bundled with a variety of FREE services. Plus, now through May 31, when you open a primary Checking account and FREE Visa Check Card you'll pocket an extra $50*.
How to qualify:
- Open a NEW primary Checking account & FREE Visa Check Card by May 31, 2014. Mention promo code FREE50 to qualify.*
- Make at least one $25 purchase using your Visa Check Card by June 30, 2014. Choose ‘credit,’ not ‘debit’ at checkout for your purchase to qualify.*
- Look for an extra $50 to be added to your account within 60 days of your first qualifying purchase.
Open Your Account!Login to NetBranch - Click Add a Product
*To qualify, you must open a NEW Apple primary Checking and Check Card 04/01/2014-05/31/2014 and mention promotion code FREE50. Purchases totaling $25 or more, must be made using your Check Card by 06/30/2014 (excludes ATM/PIN-based transactions). Choose ‘credit,’ not ‘debit’ at checkout for your purchase to qualify. $50 funding to Checking account is subject to a 60 day period following purchase pending verification. Offer not valid on accounts not in good standing, Second Checking accounts, Checking accounts closed within the last 12 months or Business accounts. The $50 bonus will be reported as dividend income; any federal, state and local taxes are the sole responsibility of the member. Cannot be combined with any other offer. **Some institutions may impose a surcharge. The trademarks, logos and names of other companies, products and services are the property of their respective owners.
Now through April 30, when you register for eStatements and eNotices, you’ll be automatically entered for a chance to win a Kindle Fire HD 8.9", 32 GB Wi-Fi Tablet*.
Current NetBranch Online Banking users can select the Account Tools tab, click eEnrollments/ODP/Phone, then select the eStatement Enrollment tab to register.
*Members who sign up for eStatements/eNotices from 12:00 a.m., 04/01/2014, through 11:59 p.m., 04/30/2014, will be automatically entered into a drawing for a chance to win a Kindle Fire 8.9", 32 GB Wi-Fi Tablet ($299 value). The winner will be selected on or about May 11, 2014. Winners will be notified by an Apple Marketing Department staff member. The winner will be responsible for any applicable federal, state or local tax liability. No purchase is necessary to participate in the Sweepstakes. Members may enter the Sweepstakes by writing “Kindle Fire Giveaway” along with their name, address and phone number on a 3” x 5” card and mailing to: Apple FCU, ATTN: Marketing Department, P.O. Box 1200, Fairfax, VA 22038. Entries must be postmarked by 04/30/2014 and will be entered into drawing following receipt of the card. Only one (1) mail-in entry is permitted per member during the duration of the promotion. Apple employees, Board members and their family members are not eligible to participate in the Sweepstakes. Members who have unenrolled from eStatements within the past 30 days are not eligible. The number of participating members will determine the odds of winning. All prizes are non-negotiable and cannot be redeemed for cash. All Credit Union rulings regarding the drawing are final. Apple FCU reserves the right to reprint the names and photos of winning members in any Credit Union materials. The trademarks, logos and names of other companies, products and services are the property of their respective owners.
GM Discount Saves You More
General Motors is offering all credit union members preferred pricing on most new GM vehicles. This is in addition to the most current incentives and special offers!
Depending on the vehicle, you could save hundreds, even thousands of dollars on your next new Chevrolet, Buick, or GMC vehicle purchase just for being a credit union member.
Request your GM Authorization Number, visit LoveMyCreditUnion.org
Ourisman $200 Gas Card Giveaway
Would you like to earn a $200 gas card when you buy your next vehicle? Now you can! Apple and Ourisman Auto Group have partnered to offer an exclusive deal for Apple Members. Simply finance your next loan with Apple and buy a vehicle from any one of these participating Ourisman's dealerships:
|Ourisman Chrysler Jeep Dodge of Alexandria - 5900 Richmond Hwy.
|Ourisman Chevrolet Buick GMC of Alexandria - 1800 Old Richmond Hwy.
|Ourisman Fairfax Toyota - 10287 Lee Hwy.
|Ourisman Ford Lincoln of Alexandria - 6129 Richmond Hwy.
|Ourisman Chantilly Toyota - 4135 Auto Park Circle
Get pre-approved for your Apple Auto Loan today so you'll know how much you can afford or take advantage of on-site Apple FCU financing at the dealership.New Auto Used Auto
*Offer advertised is made available by Ourisman Auto Group and is subject to change without notice. Member must mention this offer at the time of purchase, finance a new or used vehicle with Apple Federal Credit Union and purchase from a participating Ourisman dealership to qualify. Ourisman Auto Group will provide the $200 gift card within 60 days of the auto purchase.