No Closing Costs* and Locked-In Rates on HELOCs
Affordable funding with no closing costs* and locked-in rates through 2026.
Celebrate Smarter with 4.10% APY*
A limited-time rate to celebrate 70 years.
Our Birthday. Your Bonus.
Lock in your savings at 4.10% APY* for 70 weeks or 70 months, while this standout Bonus Certificate rate lasts.
New or Existing Money
| Term | APY* |
|---|---|
| 70 Month | 4.10 % |
| 70 Weeks | 4.10 % |
| 5 Month | 4.00 % |
| 11 Month | 4.00 % |
| 23 Month | 4.00 % |
| 59 Month | 4.00 % |
| 83 Month | 4.00 % |
| 119 Month | 4.00 % |
Commercial Bonus Certificate
| Term | APY1 |
|---|---|
| 5 Month | 4.00 % |
| 11 Month | 4.00 % |
Open a Commercial Certificate in person at any Apple FCU branch or by calling 703-788-4800.
Open yours in minutes within Apple FCU Online or our Mobile App! Simply tap Add a Product, then Certificate to get started!1 You can also schedule a video appointment, call us at 703-788-4800 or visit a branch to open your account today.
Not a member yet? Join now!
*APY = Annual Percentage Yield as of 05/01/2026 for a limited time 70-week, or 70-month Regular or IRA Certificate, subject to change at any time. Valid for funds currently held at Apple FCU and new money transferred from another institution; minimum deposit of $500. Unless you notify us otherwise, at the end of the term, the 70-week Certificate will automatically renew as a 15-month Certificate and the 70-month Certificate will automatically renew as a 60-month Certificate. Penalty may be imposed for early withdrawal; fees could reduce earnings. If the Certificate is redeemed prior to the maturity date, the following penalty will apply: If the term is over 6 months to 60 months – the lesser of dividends earned since issuance or renewal or 180 days dividends. If the term is greater than 60 months – the lesser of dividends earned since issuance or renewal or 1095 days dividends. There is no penalty for withdrawals as a result of the death of any owner. If the Certificate is redeemed within 10 days of renewal, no penalty will apply.
**APY = Annual Percentage Yield as of 05/01/2026 for a limited time 5-month, 11-month, 23-month, 59-month, 83-month or 119-month Regular or IRA Certificate, subject to change at any time. Valid for funds currently held at Apple FCU and new money transferred from another institution; minimum deposit of $500. Unless you notify us otherwise, at the end of the term, the 5-month Certificate will automatically renew as a 6-month Certificate, the 11-month Certificate will automatically renew as a 12-month Certificate, the 23-month Certificate will automatically renew as a 24-month Certificate, the 59-month Certificate will automatically renew as a 60-month Certificate, the 83-month Certificate will automatically renew as an 84-month Certificate, and the 119-month Certificate will automatically renew as a 120-month Certificate. Penalty may be imposed for early withdrawal; fees could reduce earnings. If the Certificate is redeemed prior to the maturity date, the following penalty will apply: If the term is over 6 months to 60 months – the lesser of dividends earned since issuance or renewal or 180 days dividends. If the term is greater than 60 months – the lesser of dividends earned since issuance or renewal or 1095 days dividends. There is no penalty for withdrawals as a result of the death of any owner. If the Certificate is redeemed within 10 days of renewal, no penalty will apply.
1APY = Annual Percentage Yield as of 05/01/2026 for a limited time 5-month or 11-month Commercial Bonus Certificate, subject to change at any time. Valid for funds currently held at Apple FCU and new money transferred from another institution; minimum deposit of $500. Unless you notify us otherwise, at the end of the term, the 5-month Certificate will automatically renew as a 6- month Certificate, and the 11-month Certificate will automatically renew as a 12-month Certificate. Penalty may be imposed for early withdrawal; fees could reduce earnings. If the Certificate is redeemed prior to the maturity date, the following penalty will apply: If the term is over 6 months to 60 months – the lesser of dividends earned since issuance or renewal or 180 days dividends. There is no penalty for withdrawals as a result of the death of any owner. If the Certificate is redeemed within 10 days of renewal, no penalty will apply. Commercial Certificates must be opened in person or by calling 703-788-4800.
Compare Rates: See How Our Certificate Stacks Up Against Big Banks
Attractive bonus offers aside, choosing a certificate is about finding the right balance of rate, term and institutional trust. With a rate that’s more than twice the national average*, our regular 12-month Certificate stands out before you even begin comparing competitors.
When you do, you’ll see rates from several large national banks that vary widely, including some still measured in fractions of a percent.
$10,000, 12-month Certificate**
| Bank | APY** |
|---|---|
| Apple FCU | 3.70% |
| Bank of America | 0.03% |
| Truist | 0.05% |
| Wells Fargo Bank | 1.49% |
The difference in potential earnings is clear. Log in to Apple FCU Online and put a more competitive rate to work for you today!
*Based on the FDIC National Rate 12 Month Certificate reported average of 1.55% APY*, 05/18/26.
**APY = Annual Percentage Rate; subject to change at any time. Competitor rates as reported by S&P Global CapitalIQ, 05/29/26. Check institutions’ websites for complete details.
**APY = Annual Percentage Rate; subject to change at any time. Competitor rates as reported by S&P Global CapitalIQ, 05/29/26. Check institutions’ websites for complete details.
Current Promotions
Get $50 When You Open a New eXtras Student Savings*
Use code SAVINGS50 and begin earning high dividends
Enjoy 90 Days of Deferred Auto Loan Payments
Make no payments for 90 days* and be entered to win up to $1,000**.
Pay No or Low Interest for 12 Months
Transfer a balance to an Apple FCU Credit Card and save on interest payments.*
Support the 2026 Collect for Kids Back to School Drive
Help Northern Virginia students start the school year ready to learn.
Apple FCU’s Awarding $70,000 Through Our FinTastic Funding Initiative
In celebration of our 70th anniversary, we’re giving away four prizes totaling $70,000 to eligible small businesses across Northern Virginia and beyond through FinTastic Funding.