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^*Educator Visa^® Summer Skip. You may be provided the opportunity, in the months of July, August, and September, to take advantage of Apple Federal Credit Union's Educator VISA Summer Skip program ("Summer Skip"). During the Summer Skip you will be allowed to skip the required minimum payment of any of the given months provided in the program as long as you meet the requirements of the Summer Skip for that month. If you take advantage of the Summer Skip, you acknowledge that you understand and agree: 1) if you skip a payment FINANCE CHARGES will continue to accrue on your account ; 2) skipping even a single payment will result in you paying more toward FINANCE CHARGES on your account over the life of your account; 3) by skipping a payment, it will take longer for you to repay what you owe us; 4) you must resume making the required minimum payment in October or the month immediately following any month in which you fail to meet the terms of the Summer Skip, whichever occurs first; 5) you may make payments at any time during the Summer Skip; and 6) if the account is jointly held, any borrower may participate in the Summer Skip without the consent of the other borrowers. Participation in the Summer Skip is subject to Apple Federal Credit Union approval. Your account must be current and in good standing to participate. We reserve the right to discontinue or alter the terms of the Summer Skip at any time after providing any required notification, as permitted by law.

^** Based on your creditworthiness when you open your account. APR varies with the market based on the Prime Rate.

^***For qualifying members, for a period of 12 months. After that, or if you do not qualify for the Introductory APR, your APR will be 9.49% to 18.00% based on your creditworthiness when you open your account. APR varies with the market based on the Prime Rate.

^†Available only for specific account types; some exclusions apply. See branch for details. Not available at the GMU or Merrifield branch.

^†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.

^±Educator Visa Eligibility: Applicants must be currently employed by an Apple Federal Credit Union Select Employee Group School System: Clarke County, Fairfax, Falls Church, Frederick County, Loudoun County, Manassas City, Manassas Park, Prince William and Stafford AND have a minimum $500 Direct Deposit.

¹ Student Visa Eligibility: Applicants must be age 18 – 25 to qualify.

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