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Home » Teachers & Students » Student Savings
eXtras Student Savings Account is rated 4.8413 out of 5 by 63.
  • 2016-05-24T06:54CST
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Help your child build good saving habits and introduce them to the benefits of Credit Union membership. An eXtras Student Savings helps teach successful money management skills.

  • Earn a premium dividend on balances up to $1,500
  • No monthly service fees
  • No minimum account balance fees
  • Available to anyone 23 years old and younger
  • As a joint owner, parents have complete access to the account
  • FREE NetBranch Online Banking account to account transfer
  • FREE access to Apple’s student-oriented blog.
Account APY* Compounded
eXtras Student Savings (up to $1,499) 2.00 % Monthly
eXtras Student Savings ($1,500 or more) 0.10 % Monthly

*APY = Annual Percentage Yield as of 6/1/2014 and is subject to change without notice.

For a list of our fees, view the fee schedule .

Ask a Question about our xTras Student Savings Savings Account
Want more?

Open an eXtras Student Checking Account or check out the eXtras Student Visa® Platinum . Plus, if you need money for college, our Student Choice Loan Solutions may help.

Education SuperSaver

With education costs rising every year, it's smart to start saving now. You can get started in Apple's Education SuperSaver Account with as little as $5, and then watch your savings grow quickly with great dividend rates . This account is used to save for books, tuition or any other education related expenses.

There is a 2.00% penalty for non-qualifying withdrawals.

eXtras Student Checking Account

Enjoy no minimum balance, no monthly fees, FREE withdrawals from Apple ATMs, FREE NetBranch Online Banking, FREE eBill Payer and paperless eStatements. Plus, your FREE extras Visa Debit Card makes getting cash and making purchases both quick and easy. Learn More

eXtras Student Visa Platinum

Build your credit with this no annual fee, fixed-rate, value-added credit card. Learn More

Student Choice Loan Solutions

This affordable college financing option helps fill the funding gaps federal aid leaves behind. Learn More

Account Access

With FREE options like NetBranch Online Banking, Mobile and Text Message Banking, Android™, iPad® and iPhone® apps, no matter where you go, Apple is always nearby. Learn More

Student-Run Credit Unions

Apple FCU currently has student-run branches in more than 25 area schools. These in-school branches allow students to deposit cash and more! Plus, students participating in this program have an opportunity to explore future employment options by learning to perform many credit union duties, including accepting account applications and processing deposits. Learn More

How 'Bout Them Apples

Enjoy Apple’s student-oriented blog where you can:

  • Learn quick and easy ways to save
  • Find local deals and happenings
  • Ask questions
  • Participate in contests
  • Get details about promotions
  • View videos.
Visit our Blog
Rated 5 out of 5 by from Awesome savings account I had my extra student savings account from ages 16-23 and it was so helpful. When I moved out of state, I almost switched banks but I couldn't find any with rates as good as this one. Being a young adult on my own, it was hard to keep money in my account after all the bills were paid, but seeing how much I earned even with my little amount in there made it worth it. I would recommend this account to anyone and everyone eligible! The app was easy to use and understand and the breakdown of my account was fun to see and helped me manage my money better.
Date published: 2015-08-14
Rated 5 out of 5 by from Excellent Savings Account for Students This is a great way for students to save money and earn interest on their savings. Easy to use account, and easy to save any student earnings. Convenient access on line and in person at the many local branches in schools and around Fairfax County. As a mother and someone who has taught about financial skills in FCPS, I can honestly say this student savings account is a great way for students to learn the benefits of saving and to learn good financial management skills.
Date published: 2015-08-15
Rated 5 out of 5 by from opening my first bank account When I was a junior in high school, more than two years ago, I have opened up an account with Apple Federal Credit Union. My business teacher, who also runs the Eagles Branch at Freedom High School in Woodbridge, VA guided me step by step through the process. He took his dedication to explain and made sure that I know how to manage my finances in the future. It was a learning experience.
Date published: 2015-09-30
Rated 5 out of 5 by from eXtras Student Savings Account This account is great for high school, and college students. It is a great way to save your money, while earning a higher interest rate than your typical student account. Apple caters to high school students by allowing school branches to promote this type of account. You can even check the balance of this account through the apple federal credit union app. It allows you to make transfers if you need some spending money. The eXtras student savings account is and has been a great account for me that I plan to use for years to come.
Date published: 2015-08-13
Rated 5 out of 5 by from the world's best everything for all of your needs I joined Apple Federal when I worked at American background and they have assisted me with every crisis and disaster that I have ever experienced they have resolved every problem I've ever come across they've done everything they can to help me through everything I would never ever go to another bank for all the money in the world
Date published: 2015-05-17
Rated 5 out of 5 by from Great for students learning to manage financials I opened my account with Apple FCU when I was 15 and didn't have too much income to worry about. The extra student savings account helped me learn to manage and keep track of my funds easily and without hassle! The only thing to watch out for was the cap limit at $1,500 where the interest changes. But this was not too much of an issue for me as a high school student. If and when I exceeded that amount, I just moved it to my regular savings account.
Date published: 2015-08-16
Rated 4 out of 5 by from No ATM privileges with savings accounts I would have rated 5 stars because Apple has great student savings rates and usually great customer service, but no one in the bank could get me a pin number for my ATM card attached to my savings account. In fact they told me they have this problem all the time and I should open up a checking account if I want ATM access. I hope my review will motivate them to fix this because their response was not customer service-oriented.
Date published: 2015-08-14
Rated 5 out of 5 by from Savings That Just Don't Quit This savings account is a gift to any student. The interest rate is simply unmatched by any other bank. Also, while I am still a full time student, I don't have to provide any proof that I am a student even though I am in college. While it is sad that I go to school four hours away from the closets branch, I rest assured that my money is safe and growing faster than it would anywhere else.
Date published: 2015-08-13
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Hello, I am currently a member, and I was hoping to open a savings account for my son, born February 2016. Is the student savings the way to go? Thank You

Asked by: Samantha
The Apple FCU eXtras Student Savings is a great option for saving for your child as it earns our highest savings rate on balances up to $1,500. Details at: https://www.applefcu.org/TeachersStudents/SavingsStudent
Answered by: AppleFCU
Date published: 2016-05-20

How do i transfer from my member account to my child's student saver account? I'd like to set up something reoccurring monthly.

Asked by: josh1
To establish a recurring monthly transfer, simply give us a call at 703-788-4800. You can set it up to distribute on a given day, or as part of your payroll distribution if you have our FREE Direct Deposit. Or, if you already have these accounts linked to view in Online Banking, you can use the 'Schedule a Transfer' option on the 'Move Money' tab as well.
Answered by: AppleFCU
Date published: 2016-02-08

Hello, I am 18 years old and I am currently a senior in high school. I'm looking into a student saving account. Since I'm 18, would my parent still have access to my account?

Asked by: James64
That's up to you! You're able to open the account in your name only and they would not have any access. Or, if you choose, you could add your parent as a joint owner, allowing them. Hope that helps!
Answered by: AppleFCU
Date published: 2016-01-06
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