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Sunday, April 20, 2014 Contact Us
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Home » Personal Banking » Rates

Today's Rates

Loan Type
Approximate Terms
APR as low as* Conditions
New Auto
up to 36 months 1.49 % Minimum loan of $250
up to 48 months 1.74 % Minimum loan of $250
up to 60 months 1.99 % Minimum loan of $250
up to 72 months 2.24 % Minimum loan of $15,000
up to 84 months 2.49 % Minimum loan of $25,000
Used Auto
up to 36 months 1.49 % Minimum loan of $250; vehicle must be no more than 7 model years old.
up to 48 months 1.74 % Minimum loan of $250; vehicle must be no more than 7 model years old.
up to 60 months 1.99 % Minimum loan of $250; vehicle must be no more than 7 model years old.
up to 72 months 2.24 % Minimum loan amount $15,000; vehicle must be no more than 7 model years old.
Auto Loan Refinance
up to 36 months 1.49 % Offer not applicable on loans currently held by Apple FCU.
up to 48 months 1.74 % Offer not applicable on loans currently held by Apple FCU.
up to 60 months 1.99 % Offer not applicable on loans currently held by Apple FCU.
up to 72 months 2.24 % Offer not applicable on loans currently held by Apple FCU.
New Motorcycle
up to 36 months 4.49 % 100% of purchase price
up to 48 months 4.74 % 100% of purchase price
up to 60 months 4.99 % 100% of purchase price; minimum loan $8,500
up to 72 months 5.24 % 100% of purchase price. Minimum loan $15,000
up to 84 months 5.49 % 100% of purchase price; minimum loan $20,000
Used Motorcycle
up to 36 months 4.99 % Up to 100% NADA retail value
up to 48 months 5.24 % Up to 100% NADA retail value
up to 60 months 5.49 % Up to 100% NADA retail value; minimum loan $8,500
up to 72 months 5.74 % Up to 100% NADA retail value; minimum loan $15,000
New Recreational Vehicles
up to 60 months 6.80 % Up to 70% of list price; maximum loan $25,000
Used Recreational Vehicles
up to 48 months 8.50 % Up to 100% NADA wholesale; maximum loan $15,000

* APR = Annual Percentage Rate. 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. Rate includes maximum Loan To Value discounts. Current Apple FCU Auto Loans are not eligible for refinance.

Account Type APY* Minimum Opening Deposit Compounded
Checking
Advantage Checking 0.25 % $15 Monthly
Investors Checking (Up to $19,999) 1.25 % $15 Monthly
Investors Checking ($20,000 or more) 0.25 % $15 Monthly
Savings & Club Accounts
Regular Savings 0.15 % $5 Monthly
eXtras Student Savings (up to $1,499) 3.15 % - Monthly
eXtras Student Savings ($1,500 or more) 0.15 % - Monthly
Education SuperSaver 2.00 % - Monthly
Summer Pay (Educator Exclusive) 1.00 % - Monthly
Holiday Club Account 0.25 % - Monthly
Vacation Club Account 0.25 % - Monthly
Money Markets
Money Market (up to $2,499) 0.15 % - Monthly
Money Market ($2,500 - $19,999) 0.20 % Monthly
Money Market ($20,000 - $49,999) 0.25 % Monthly
Money Market ($50,000 or more) 0.30 % Monthly
Super Money Market ($99,999 or less) 0.15 % - Monthly
Super Money Market ($100,000 or more) 0.35 % $100,000 Monthly
Individual Retirement Accounts (IRA)
Traditional IRA Share (up to $19,999) 0.20 % - Monthly
Traditional IRA Share ($20,000 - $49,999) 0.25 % - Monthly
Traditional IRA Share ($50,000 - $99,999) 0.30 % - Monthly
Traditional IRA Share ($100,000 and over) 0.35 % Monthly

*APY = Annual Percentage Yield is subject to change without notice.

Certificate Term APY* %
Share and IRA Certificates - minimum deposit $500
6 Month 0.40 %
12 Month 0.55 %
15 Month 0.55 %
24 Month 0.65 %
36 Month 0.90 %
36 Month Step-Up 0.65 %
48 Month 1.25 %
60 Month 1.50 %
84 Month 2.20 %
120 Month 2.60 %
Jumbo Certificates - minimum deposit $50,000
12 Month 0.60 %
36 Month 0.95 %
60 Month 1.55 %

*APY = Annual Percentage Yield. APY is subject to change without notice.

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 6 months or less – the lesser of dividends earned since issuance or renewal or 90 days dividends; if the term is over 6 months to 60 months – the lesser of dividends earned since issuance or renewal or 180 days dividends; if the term is greater than 60 months –the lesser of dividends earned since issuance or renewal or 1095 days dividends. There is no penalty for withdrawals as a result of the death of any owner. If the certificate is redeemed within 10 days of renewal, no penalty will apply.

Fees could reduce earnings on the account.

Card Type APR as low as* Conditions  
Variable Rate Visa Platinum 5.74 % Up to $35,000 DisclosureAgreement
MyRewards Visa 10.74 % Up to $35,000 DisclosureAgreement
eXtras Student Visa 9.90 % Up to $1,500 DisclosureAgreement
Credit Builder Platinum VISA 5.74 % Up to $5,000 DisclosureAgreement
Mason Alumni Card 10.99 % Up to $35,000 DisclosureAgreement

*APR = Annual Percentage Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases.

Loan Type
Approximate Terms
APR as low as* Conditions
Personal
Signature Loan 12.74 % Up to $35,000
Signature Line of Credit - Variable 7.24 % Up to $35,000; APR is Prime Rate** + 3.99 - 13.99%
Savings Secured (Regular Savings) 3.00 % Savings are pledged for loan; amount of the loan cannot exceed the balance in the account securing the loan
Savings Secured (Certificates) 2.00 % Certificates are pledged for loan; amount of the loan cannot exceed the balance in the account securing the loan and must be equal to or less than the Certificate term
Education
Educator Development Line of Credit 5.00 % Up to $35,000
Tuition Line of Credit 6.00 % APR is tied to the 1 Year Treasury Rate as published in the Wall Street Journal on the first business day preceding Jan. 1, Apr. 1, July 1 and Oct. 1 +.50%-2.00%
Student Choice Loan Solution 8.25 % Line of Credit up to $75,000

*APR = Annual Percentage Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. VISA Credit Card rates apply to cash advances, balance transfers, and outstanding balances on purchases.

**Index as published in the Wall Street Journal on the first business day of the month preceding Jan. 1, April 1, July 1, and Oct. 1.

Fee Description Amount
FREE Services
Bank-to-Bank (B2B) Transfer (funds into Apple FCU) FREE
eBill Payer FREE
eStatements & eNotices FREE
FinanceWorks™ Money Management Tool FREE
Incoming Wires FREE
Medallion Signature Guarantee FREE
Mobile Banking (including Android™, iPad® and iPhone® Apps) FREE
NetBranch Online Banking FREE
Notary Service FREE
Personal Automated Teller (PAT) FREE
Popmoney (money sent via text message) FREE
Scan Deposits FREE
Visa® Check Card FREE
Savings and Money Market Accounts
Automatic transfer from Savings $2.50
Education SuperSaver (withdrawals not for education expenses) 2% of amount withdrawn
Holiday Club Account early withdrawal $10
Inactive Account Fee (per month; assessed on Savings accounts with no activity (other than dividends) for one (1) year and balance below $500; waived for members age 20 and younger and members with one (1) other service) $5
Summer Pay early withdrawal 1st FREE, $10 thereafter
Vacation Club Account (in excess of two (2) withdrawals per calendar year) $10
Checking Accounts
Advantage Checking (per month; waived for members who maintain combined Savings and Loan balance(s) of at least $20,000, have an active Summer Pay Account or have Direct Deposit of at least $1,000 per month) $10
Checking account with a balance below $500 and no activity (other than dividends for one (1) year (per month) ) $2
Copy of Check (per check copy; print in NetBranch for FREE) $2
Copy of Statement (per statement; print in NetBranch for FREE) $2
Check/Bill Pay Payment Overdraft Privilege (Paid Non-Sufficient Funds) $29*
Returned Deposit Item (waived if primary/joint owner are not on the account on which the check is written) $15
Stop Payment (on one (1) check or a series of checks) $20
Stop Payment on Official Teller Check (waived if check is mailed to you and not received in 10 days) $20
Teller Checks (monthly) 2 FREE, $3 for each additional
Loans
Returned Loan Payment (waived if primary/joint owner are not on the account on which the check is written) $15
Skip-A-Pay (per loan) $25
Title Administration $25
Funds Transfer
ACH Overdraft Privilege (Paid Non-Sufficient Funds) $29*
ACH Origination (one-time) $5
ACH Stop Payment $20
Bank-to-Bank (B2B) Transfer (funds out of Apple FCU) $5
Popmoney (money sent via email; text message is FREE) $1.25
Wire Transfer (Domestic) $20
Wire Transfer (International) $50
Popmoney (request money) $1.75
ATM Card/Visa Card
Design Your Own Card (Credit) 1st FREE, $9.99 thereafter
Replacement of Lost or Stolen ATM Card $5
Replacement of Lost or Stolen Check Card $5
Replacement of Lost or Stolen Credit Card $5
Visa Credit Card Statement Copy (per month) $5
Xpress Yourself Check Card (custom card) 1st FREE, $9.99 thereafter
Check/ATM Card Overdraft Privilege (Paid Non-Sufficient Funds) $29*
Safe Deposit Box (Annual Rental)
3 X 5 $35
5 x 5 $50
3 X 10 $65
5 X 10 $90
7 X 10 $115
10 X 10 $125
Other Services
American Express Travelers Cheques (waived for members with Advantage or Investors Checking) $0.50 per $100
Bad Address (monthly; waived for the first 30 days and for members with total balance(s) of at least $5,000) $5
CO-OP ATM Deposit Discrepancies $2
CO-OP ATM Returned Check Deposits  $6
Foreign Check Collection Processing Fee $10
Garnishment Fee (assessed to any account subject to a new garnishment, attachment or levy) $50
Non-Apple ATM withdrawal (waived for members with Advantage or Investors Checking) $1.50
Overnight Delivery Fee $31.25
Research Fee $5 per 20 minutes
Shared Branch Transactions (waived for members with Advantage or Investors Checking) $3
Verification of Deposit (by third-parties, such as mortgage companies, when not for HUD/Section 8 housing) $25
Visa® Gift Card (activation) $3.95
Visa Reloadable Card (activation) $7.95
Visa® Reloadable Card (reload) $4.95

* Fee applies to overdrafts created by check, in-person withdrawal, or other electronic means. Checking account can’t remain negative for more than 30 days or Checking account balance must be made positive every 30 days.