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Open an eXtras Student Savings Today and Get $50*

It’s never too early to teach kids about the importance of savings. Open an eXtras Student Savings account now through June 30, and Apple will deposit $50 into your account!

Home Equity Line of Credit

No Closing Costs* and Locked-In Rates for 20241 on HELOCs

Our Home Equity Line of Credit just got even better.

Summer is right around the corner, and we’ve all got big plans. Whether you're planning home renovations, consolidating debt or even planning a dream vacation, a Home Equity Line of Credit (HELOC) makes it easier than ever to leverage your home equity.

Now through November 30, you can enjoy no closing costs* and a locked-in rate for all of 20241 when you open a HELOC with Apple FCU!

No Closing Costs*

Open a HELOC without the burden of traditional closing costs! Your dream home improvements, investments or unexpected expenses just got more accessible.

Locked-In Rate for 20241

When you close on a HELOC, you'll enjoy a fixed interest rate for the entire year of 20241. What's even better? If market rates decrease during the year, your rate will drop accordingly. Rest assured, your rate will never rise above the locked-in rate during the promotion period.

Why secure a HELOC through Apple?

Home Equity Interest Rates

Convenient Funding

Use your HELOC whenever you need it! Easily transfer funds from your HELOC to your Checking account for easy spending with your Debit Card or via Bill Pay!

Loan discounts

Competitive Rates

Apple offers low, variable rates.

High lines of credit

High Lines of Credit

We offer HELOCs as high as $250,000 with the maximum borrowing potential of 90% of your home’s total loan-to-value** (TLTV). Calculate your home’s current TLTV.

Interest Only Payments

Interest-Only Payments up to 10 Years

Enjoy interest-only, monthly payments for up to 10 years. Plus, your minimum monthly payment is based on the interest due for your current balance.

Find out what your home can do for you.

Prepare for all life’s expenses. Apply for Apple’s HELOC today!

*Pay no closing costs on any new HELOC when you apply 01/01/2024-11/30/2024. Your settlement statement at closing will reflect closing costs; however, you will receive a credit equal to the amount of the closing costs. To qualify for the promotion, the member must use the title company selected by Apple FCU. Member must still pay the appraisal fee if a full appraisal is required. Members who increase their existing HELOC by applying for a new HELOC will also qualify, with a minimum increase of $5,000. No closing costs offer is valid for one-time use during any 12-month period.
Apple FCU can finance equities for property within Virginia, Maryland, West Virginia, North Carolina and the District of Columbia. The HMDA data about our residential mortgage lending is available for review. The data shows geographic distribution of Loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 703-788-4800 regarding the locations where HMDA data may be inspected. Applicable APR; if the APR is variable, a statement that the rate can change

**Property values are based on the lesser of the current appraised value or a Freddie Mac Home Value Explorer (HVE®) with a condition report. Independent appraisals not accepted.

1APR = Annual Percentage Rate. Offer ONLY available for NEW HELOCs closed between 01/01/2024 and 11/30/2024. Advances made between 01/01/2024 and 11/30/2024 will be locked at the guaranteed rate until 12/31/2024. Your guaranteed rate will be adjusted on 01/01/2025, and the new rate will be applied to the remaining balance. Rate advertised is a variable rate. On 01/01/2025, the APR will be adjusted to either your floor rate or the Prime Rate as published in the Wall Street Journal (whichever is higher) on 12/21/2024 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. 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 you had an outstanding balance of $10,000 during the Draw Period, the minimum monthly payment at the maximum APR of 18 % would be $150.00. Maximum loan amount is $250,000, with a maximum combined loan to value ratio of 90%.

Current Promotions

Educator Referrals

Refer Fellow Educators and Get $75*

Calling all educators! Are you ready to turn your network into rewards? Register for our exclusive Educator Referral Program, and you and any educator you refer will earn $75*!
Auto Loan Deferral for 90 Days

Hit the Road with No Payments for 90 Days

The road to your dream car just got even smoother.
eXtras Student Savings

Open an eXtras Student Savings Today and Get $50*

It's never too early to teach kids about the importance of savings.
Free Shred Events from Apple FCU

Free Local Document Shredding

Save time and protect your privacy with our FREE Shred Events!
Holding a hot beverage with red gloves in the snow

Spring into Higher Yields with Rates Up to 5.00% APY

As flowers bloom and nature rejuvenates, it’s time for your savings to blossom too!
Refer Friends & Family

Refer Friends & Family

Friends don't let friends get abused by big banks. Help those you love by sharing the benefits of Apple and receive $25!