Privacy & Security

Protect your personal and account information

We strive to deliver the highest level of security to protect your personal information from identity theft and fraud. Apple Federal Credit Union will NEVER solicit personal or account information via email, phone or the Internet.

If you think you may have been a victim of this or any other fraudulent scam, please contact us immediately.

Fraud Prevention

Access the latest fraud news, safety tips and advice.

Privacy Policy

Learn how we collect, share and protect your personal information.

Online Security 

The strength of your login credentials is an integral element of this protection.

Our Enhanced Multi-Factor Authentication (EMFA) ensures the highest levels of security for your online transactions. The solution is designed to preserve the convenience and usability of your online banking experience while providing peace-of-mind. 

User Name RequirementsPassword Requirements
  • Must be between 6 - 20 characters
  • Must start with a letter 
  • Cannot contain special characters 
  • Can contain numbers, but NOT your Member Number or sequences longer than 4 digits (i.e., 12345 or abcde) 
  • Cannot contain any spaces
  • Must be between 8 and 20 characters
  • Must contain a combination of letters, numbers and special characters. Passwords cannot use following special characters: 
    • ~ (tilde)
    • : (colon)
    • . (period)
    • @ (at symbol)
  • Cannot contain your member number 
  • Cannot contain any spaces 
  • Cannot be a substring of the Username 

Multi-Factor Authentication

When you attempt to login from a new computer/device, or perform certain transactions or functions within the system, you will receive an instant, one-time access code, to either a phone number or email you provide during setup, to authenticate you as the true “user”. Coupled with your login credentials, this provides an even more secure login process. 


Apple FCU uses small text files called cookies to collect anonymous data for purposes as allowed by law, including improving our website, services and information security. Our cookies do not collect or store any personally identifiable information. 

We may share this information when required by law and with service providers who assist Apple FCU with tracking website usage. 

By using Apple FCU’s website you consent to Apple’s policy.