Help Your Money Grow
Your Savings account represents your ownership in Apple FCU. With an initial $5 deposit, you’ll unlock the door to a full line of exceptional products and services.
For added peace of mind, all Apple FCU accounts are protected up to $250,000 by the National Credit Union Administration, a U.S. Government Agency.
All Apple Saving Accounts Feature
Online & Mobile Banking
Free Apple ATM Transactions
Balance Financial Fitness
eStatements
Regular Savings
Your Savings account represents your ownership in Apple FCU. With an initial $5 deposit, you'll unlock the door to a full line of exceptional products and services.
Features
- Minimum $5 initial deposit
- Save for routine expenses or use for a rainy-day fund.
Dividend APY*
0.10 %
View All RatesOpen in just 2 clicks!
Click Savings/Club Accounts under Add a Product in Apple FCU Online or Mobile App, and then click Open next to your desired account.
*APY = Annual Percentage Yield. APY is subject to change without notice. All rates are effective as of 6/17/2026.
A Joint Owner(s) (18 or older) who is an Apple FCU member is required on minor accounts until the youth reaches 18 years of age.
A Joint Owner(s) (18 or older) who is an Apple FCU member is required on minor accounts until the youth reaches 18 years of age.
eXtras Student Savings
This high-dividend savings account is specially designed for members age 23 and younger.**
Features
- Earn a premium dividend on balances up to $1,500†
- No monthly service fees
- No minimum account balance
- As a joint owner, parents have complete access to the account.
Dividend APY*
3.00 %
View All RatesThe child/accountholder must become a member and open the account through their Apple FCU Online or Mobile App Profile.
Click Student under Add a Product in Apple FCU Online or Mobile App to get started.
*APY = Annual Percentage Yield. APY is subject to change without notice. No minimum required. All rates are effective as of 6/17/2026.
† Balances over $1,500 will earn our Regular Savings dividend APY.
**A Joint Owner(s) (18 or older) who is an Apple FCU member is required on minor accounts until the youth reaches 18 years of age.
† Balances over $1,500 will earn our Regular Savings dividend APY.
**A Joint Owner(s) (18 or older) who is an Apple FCU member is required on minor accounts until the youth reaches 18 years of age.
Education SuperSaver
Open an Education SuperSaver account with as little as $5, and then watch your savings grow with great dividend rates.
Features
- Minimum $5 initial deposit
- Earns higher dividends to help cover school costs
- 2.0% penalty applies for non-qualifying withdrawals.
Dividend APY*
1.25 %
View All RatesOpen in just 2 clicks!
Click Savings/Club Accounts under Add a Product in Apple FCU Online or Mobile App, and then click Open next to Education SuperSaver.
APY = Annual Percentage Yield. APY is subject to change without notice. Fees could reduce earnings. All rates are effective as of 6/17/2026.
Coverdell ESA
A Coverdell ESA allows you to save for a child's education expenses, including fees, books, supplies and equipment. Contributions to a Coverdell ESA are not tax-deductible. However, a Coverdell ESA offers you the potential for tax-free withdrawals - including earnings. You can deposit up to $2,000 annually per designated beneficiary.
Features
- No monthly service fees
- No minimum account balance
- Earn a premium rate on entire balance
- Account owner has complete access to the account.
Coverdale ESA
5.00 %
View All RatesOpen in just 2 clicks!
Click Savings/Club Accounts under Add a Product in Apple FCU Online or Mobile App, and then click Open next to your desired account.
*APY = Annual Percentage Yield. APY is subject to change without notice. No minimum required. All rates are effective as of 6/17/2026.
SafetyNet
Prepare for life’s unexpected moments with this high-yield account, perfect for building your emergency fund over time. Fund by recurring transfers for effortless savings; one-time deposits permitted.
Features
- Premium rate up to $10,000
- Save more with each purchase by enabling Round Up
Dividend APY*
2.00 %
View All RatesOpen in just 2 clicks!
Click SafetyNet under Add a Product in Apple FCU Online or Mobile App, and then click Open.
Annual Percentage Yield. Rates are subject to change without notice. Premium rate earned on balances up to $10,000; balances over $10,000 will earn 1.00% APY. See Terms and Conditions for more details. All rates are effective as of 6/17/2026
EdVantage
Whether you're a teacher, bus driver, cafeteria staffer, administrator or work in operations, this high-yield savings account helps you save smarter for your future, especially when it comes to continuing education, certifications or future goals.
Features
- Exclusive to education community
- Premium rate up to $10,000
- No minimum balance or monthly fees
- Unlimited withdrawals
- Direct deposit minimum of $500/month* required to qualify
Open in just 2 clicks!
Click Savings/Club Accounts under Add a Product in Apple FCU Online or Mobile App, and then click Open next to your desired account.
*APY = Annual Percentage Yield. Rates are subject to change without notice. Premium rate earned on balances up to $10,000 when a minimum direct deposit of $500 per month to any Apple FCU Checking or Savings account. Balances over $10,000, and accounts without qualifying direct deposit, will earn the Regular Savings rate. EdVantage eligibility includes any school system employee in the United States of America who qualifies for membership. Read full disclosure. All rates are effective as of 6/17/2026.
Summer Pay
Earn a premium savings rate that's paid out in the summer months when you may not be in the classroom.
Features
- Educator exclusive
- Create your own pay program for summer
*APY = Annual Percentage Yield. APY is subject to change without notice. No minimum required balance required to earn dividends. Penalty may be imposed for early withdrawal; fees could reduce earnings. All rates are effective as of 6/17/2026.
Money Market
The more you save, the more you earn. Money Market accounts offer flexible access to funds with no term requirements.
Features
- Tiered rates for higher balances
- Convenient access to funds
- Up to one (1) box of FREE checks each calendar year
Dividend APY*
0.50 %
View All RatesStart saving better within Apple FCU Online!
Click Money Market under Add a Product in Apple FCU Online or Mobile App, and then click Open next to your desired account.
*APY = Annual Percentage Yield. APY is subject to change without notice. No minimum required. All rates are effective as of 6/17/2026.
Added for comparison
Round Up
With Round Up from Apple FCU, you can turn your spare change into financial security. Each time you use your Apple FCU Visa® Debit Card, we’ll automatically round your purchase up to the nearest dollar and transfer the difference from your checking account into your SafetyNet Savings account.
It’s saving made simple—spare change changes everything!
Here’s a real-world example:
If, in one day, you buy a latte for $5.75 and later spend $44.88 on gas, Round Up increases those purchases to $6.00 and $45.00. That extra $0.37 is automatically moved into your SafetyNet Savings account at the end of the day.
Those small contributions make a big difference over time, especially with your SafetyNet earning 2.75% APY*. It’s a steady way to build your emergency fund without thinking twice.
How to enroll:
A SafetyNet Savings account is required.
- Log in to digital banking to send a secure message.
- Visit your local Apple FCU Branch
- Securely chat by tapping Let’s talk!
- Call 703-788-4800 to enroll in Round Up
With a Holiday Club Account, you can stress less knowing you'll have the cash you need to cover your holiday expenses.
- Open with as little as $5
- Fund your account using Direct Deposit, transfer, cash or check
- Make additional deposits of any amount as often as you want
- On November 1, funds automatically transfer to your Checking or Savings account
- Account automatically renews each year
Make your travel dreams a reality with a Vacation Club Account at Apple.
- Open with as little as $5
- Fund your account using Direct Deposit, transfer, cash or check
- Make additional deposits of any amount as often as you want
- Withdraw your money when you need it ‐ two (2) free withdrawals each calendar year
- Account automatically renews each year
More Helpful Resources
Warm Up Your Wallet with 4.00% APY*
Pour yourself a cup of savings with a Bonus Certificate!
IRA
Apple offers a variety of Individual Retirement Accounts (IRA) to assist you in saving for your future.
Learning Center
Find more tools and resources to help you plan, save, get a quote and more!
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