Loan, Deposit and Certificate Rates

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Loan, Deposit and Certificate Rates

Checking

Account Type Advantage Checking Investors Checking (Up to $19,999) Investors Checking ($20,000 or more)
APY* 0.05 % 1.00 % 0.05 %
Minimum Opening Deposit - - -
Compounded Monthly Monthly Monthly

*APY = Annual Percentage Yield is subject to change without notice. All deposit rates are effective as of 07/03/2022.

Fees could reduce the earnings on the account.


Savings & Club Accounts

Account Type Regular Savings Regular Savings ($20,000 and over) eXtras Student Savings (up to $1,499) eXtras Student Savings ($1,500 or more) Education SuperSaver Coverdell Education Savings Summer Pay (Educator Exclusive) Holiday Club Account Vacation Club Account
APY* 0.05 % 0.05 % 1.00 % 0.05 % 1.25 % 4.00 % 1.00 % 0.25 % 0.25 %
Minimum Opening Deposit $5 - - - - - - -
Compounded Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly

*APY = Annual Percentage Yield is subject to change without notice. All deposit rates are effective as of 07/03/2022.

Fees could reduce the earnings on the account.


Individual Retirement Accounts (IRA) - Traditional, Roth and SEP

Account Type IRA Share (up to $19,999) IRA Share ($20,000 - $49,999) IRA Share ($50,000 - $99,999) IRA Share ($100,000 and over)
APY* 0.75 % 0.80 % 0.90 % 1.00 %
Minimum Opening Deposit - - -
Compounded Monthly Monthly Monthly Monthly

*APY = Annual Percentage Yield is subject to change without notice. All deposit rates are effective as of 07/03/2022.

Fees could reduce the earnings on the account.

Money Market Accounts

Account Type Money Market (up to $2,499) Money Market ($2,500 - $19,999) Money Market ($20,000 - $49,999) Money Market ($50,000 or more)
APY* 0.40 % 0.90 % 0.95 % 1.15 %
Minimum Opening Deposit -
Compounded Monthly Monthly Monthly Monthly

*APY = Annual Percentage Yield is subject to change without notice. All deposit rates are effective as of 11/02/2022.


Super Money Market Accounts

Account Type Super Money Market ($99,999 or less) Super Money Market ($100,000 or more)
APY* 0.40 % 1.20 %
Minimum Opening Deposit - $100,000
Compounded Monthly Monthly

*APY = Annual Percentage Yield is subject to change without notice. All deposit rates are effective as of 11/02/2022.


Mega Money Market Accounts

Account Type Mega Money Market (up to $250,000) Mega Money Market ($250,000 or more)
APY* 0.40 % 1.25 %
Minimum Opening Deposit $250,000
Compounded Monthly Monthly

*APY = Annual Percentage Yield is subject to change without notice. All deposit rates are effective as of 11/02/2022.


Commercial Money Market Accounts

Account Commercial Money Market (Up to $19,999) Commercial Money Market ($20,000 to $49,999) Commercial Money Market ($50,000 to $99,999) Commercial Money Market ($100,000 and over)
APY* 1.00 % 1.25 % 1.40 % 1.50 %
Compounded Monthly Monthly Monthly Monthly

*APY = Annual Percentage Yield is subject to change without notice. All rates are effective as of 11/02/2022.


Commercial Mega Money Market Accounts

Account Type Commerical Mega Money Market ($249,999 or less) Commercial Mega Money Market ($250,000 or more)
APY* 0.40 % 2.00 %
Minimum Opening Deposit $250,000
Compounded Monthly Monthly

*APY = Annual Percentage Yield is subject to change without notice. All rates are effective as of 11/10/2022.

Regular and IRA Certificate Rates

Certificate Term 6 Month 12 Month 15 Month 24 Month 36 Month 48 Month 60 Month 84 Month 120 Month
APY* % 2.75 % 3.00 % 3.00 % 3.00 % 3.00 % 3.00 % 3.00 % 3.50 % 4.00 %

*APY = Annual Percentage Yield. APY is subject to change without notice. All rates are effective as of 11/23/2022. Commercial accounts are not eligible for Bonus Certificate promotional rates.

Minimum deposit of $500 required. A penalty may be imposed for early withdrawals. If the certificate is redeemed prior to the maturity date the following penalty will apply: If the term is 6 months or less – the lesser of dividends earned since issuance or renewal or 90 days dividends; 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 withdrawn within the 10 days following the maturity date, no penalty will apply.

Fees could reduce earnings on the account.


Jumbo and Jumbo IRA Certificate Rates

Certificate Term 12 Month 36 Month 60 Month
APY* % 3.05 % 3.05 % 3.05 %

*APY = Annual Percentage Yield. APY is subject to change without notice. All rates are effective as of 11/23/2022.

A penalty may be imposed for early withdrawals. If the certificate is redeemed prior to the maturity date the following penalty will apply: If the term is 6 months or less – the lesser of dividends earned since issuance or renewal or 90 days dividends; 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 withdrawn within the 10 days following the maturity date, no penalty will apply.

Fees could reduce earnings on the account.

Jumbo Certificate rates available on balances of $50,000 or more.

New Auto Loan (Includes Refinance)

Loan Type Approximate Terms New Auto - up to 36 months New Auto - up to 48 months New Auto - up to 60 months New Auto - up to 72 months New Auto - up to 84 months
APR as low as* 4.29 % 4.89 % 5.14 % 5.39 % 5.64 %
Conditions Minimum loan of $5,000 Minimum loan of $5,000 Minimum loan of $5,000 Minimum loan of $15,000 Minimum loan of $25,000; vehicle must be no more than 3 model years old.

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*APR = Annual Percentage Rate as of 11/01/2022 and includes a 0.25% Direct Deposit rate discount; subject to change at any time. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Current Apple FCU Auto Loans are not eligible for refinance.

0.25% rate discount contingent upon an active, monthly direct deposit into an Apple FCU Savings or Checking account. If you fail to set up Direct Deposit within 60 days of Loan closing, or at any point during the life of the Loan are no longer receiving the Direct Deposit, the rate will increase by .25% above the interest rate disclosed in the Loan and Security Agreement, beginning the first day of the month following any such occurrence, and until all Principal is paid in full. The discount cannot be reinstated during the term of the loan. Apple FCU Direct Deposit will be paid up to 2 days early depending on employer.

Payments based on $20,000 loan amount. Maximum loan amount of $100,000.


Used Auto Loan (Includes Refinance)

Loan Type Approximate Terms Used Auto - up to 36 months Used Auto - up to 48 months Used Auto - up to 60 months Used Auto - up to 72 months Used Auto - up to 84 months
APR as low as* 5.14 % 5.39 % 5.64 % 5.89 % 6.14 %
Conditions Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 100,000. Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 100,000. Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 100,000. Minimum loan amount $15,000; vehicle must be no more than 7 model years old. Maximum mileage of 100,000. Minimum loan amount $25,000; vehicle must be no more than 3 model years old. Maximum mileage of 100,000.

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*APR = Annual Percentage Rate as of 11/01/2022 and includes a 0.25% Direct Deposit rate discount; subject to change at any time. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Current Apple FCU Auto Loans are not eligible for refinance.

0.25% rate discount contingent upon an active, monthly direct deposit into an Apple FCU Savings or Checking account. If you fail to set up Direct Deposit within 60 days of Loan closing, or at any point during the life of the Loan are no longer receiving the Direct Deposit, the rate will increase by .25% above the interest rate disclosed in the Loan and Security Agreement, beginning the first day of the month following any such occurrence, and until all Principal is paid in full. The discount cannot be reinstated during the term of the loan. Apple FCU Direct Deposit will be paid up to 2 days early depending on employer.

Payments based on $20,000 loan amount. Maximum loan amount of $100,000.


New Motorcycle Rates

Loan Type Approximate Terms New Motorcycle - up to 36 months New Motorcycle - up to 48 months New Motorcycle - up to 60 months New Motorcycle - up to 72 months New Motorcycle - up to 84 months
APR as low as* 3.84 % 4.09 % 4.34 % 4.59 % 4.84 %
Conditions 100% of purchase price 100% of purchase price 100% of purchase price; minimum loan $8,500 100% of purchase price. Minimum loan $15,000 100% of purchase price; minimum loan $20,000

*APR = Annual Percentage Rate as of 09/23/2020 and includes a 0.25% Direct Deposit rate discount; subject to change at any time. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Current Apple FCU Auto Loans are not eligible for refinance.

0.25% rate discount contingent upon an active, monthly direct deposit into an Apple FCU Savings or Checking account. If you fail to set up Direct Deposit within 60 days of Loan closing, or at any point during the life of the Loan are no longer receiving the Direct Deposit, the rate will increase by .25% above the interest rate disclosed in the Loan and Security Agreement, beginning the first day of the month following any such occurrence, and until all Principal is paid in full. The discount cannot be reinstated during the term of the loan. Apple FCU Direct Deposit will be paid up to 2 days early depending on employer.

Payments based on $20,000 loan amount. Maximum loan amount of $100,000.


Used Motorcycle Rates

Loan Type Approximate Terms Used Motorcycle - up to 36 months Used Motorcycle - up to 48 months Used Motorcycle - up to 60 months Used Motorcycle - up to 72 months
APR as low as* 4.84 % 5.09 % 5.34 % 5.59 %
Conditions Up to 100% NADA retail value Up to 100% NADA retail value Up to 100% NADA retail value; minimum loan $8,500 Up to 100% NADA retail value; minimum loan $15,000

*APR = Annual Percentage Rate as of 09/23/2020 and includes a 0.25% Direct Deposit rate discount; subject to change at any time. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Current Apple FCU Auto Loans are not eligible for refinance.

0.25% rate discount contingent upon an active, monthly direct deposit into an Apple FCU Savings or Checking account. If you fail to set up Direct Deposit within 60 days of Loan closing, or at any point during the life of the Loan are no longer receiving the Direct Deposit, the rate will increase by .25% above the interest rate disclosed in the Loan and Security Agreement, beginning the first day of the month following any such occurrence, and until all Principal is paid in full. The discount cannot be reinstated during the term of the loan. Apple FCU Direct Deposit will be paid up to 2 days early depending on employer.

Payments based on $20,000 loan amount. Maximum loan amount of $100,000.

Credit Cards Rates

Card Type Visa Platinum MyRewards Visa Educator Visa ** Student Visa Credit Builder Visa Signature Rewards Visa
APR as low as* 10.99 % 12.49 % 10.99 % 9.99 % 18.00 % 12.49 %
Conditions Up to $35,000 Up to $5,000 Up to $35,000 Up to $1,500 Up to $5,000 Up to $50,000

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*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. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases.

**3.99% Introductory APR on purchases only 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 changed based on your creditworthiness. APR varies with the market based on the Prime Rate and is subject to change daily. To see the current available rates, please view the Educator Visa disclosure.

Consumer Loan Rates

Loan Type Approximate Terms Signature Loan† Signature Line of Credit - Variable Savings Secured (Regular Savings) Savings Secured (Certificates) First Responder Line of Credit*** Educator Line of Credit***
APR as low as* 9.99 % 10.49 % 3.00 % 2.00 % 6.25 % 6.25 %
Conditions Up to $50,000 Up to $50,000; APR is Prime Rate** + 4.24 - 14.99% Plus the dividend rate paid on the deposit account - Savings are pledged for loan; amount of the loan cannot exceed the balance in the account securing the loan Plus the dividend rate paid on the deposit account - Certificates are pledged for loan; amount of the loan cannot exceed the balance in the account securing the loan and must be equal to or less than the Certificate term To qualify, applicant must be a first responder. First responder is defined as anyone currently or retired from working as law enforcement, firefighters, EMS personnel and healthcare professionals. All employees or retirees, regardless of position, are eligible. To qualify, applicant must be an educator. Educator is defined as anyone currently employed by or retired from the education industry, to include public/private schools, and colleges/universities in the United States. All employees or retirees, regardless of position, are eligible.

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*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.

**Index as published in the Wall Street Journal on the first business day of the month preceding Jan. 1, April 1, July 1, and Oct. 1. Maximum Rate 18.00%.

***Introductory rate 0% for the first 12 months. Rates after the 12 month introductory period are based on an evaluation of applicant credit at the time the line of credit was opened. Rates range from 3.25% to 10.25%, not all applicants will qualify for the lowest rate. The rate will vary with the market based on the Prime Rate as published in the Wall Street Journal. We will use the most recent Index value as of the 1st day of the month preceding any APR Adjustment. The APR is subject to change on the first day of January, April, July and October. Maximum Rate 18.00%. To qualify for this product applicant must have or must set up direct deposit of at least $500 monthly, failure to set up direct deposit will result in a higher fixed rate of 15.99%.

† Includes a 0.25% Direct Deposit rate discount; subject to change at any time. Discount applies to Signature Loan only. Line of Credit is not eligible for 0.25% DD discount. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. 0.25% rate discount contingent upon an active, monthly direct deposit of any dollar amount into an Apple FCU Savings or Checking account. Apple FCU Direct Deposit will be paid up to 2 days early depending on employer. If you fail to set up Direct Deposit within 60 days of Loan closing, or at any point during the life of the Loan are no longer receiving the Direct Deposit, the rate will increase by 0.25% above the interest rate disclosed in the Loan and Security Agreement, beginning the first day of the month following any such occurrence, and until all Principal is paid in full. The discount cannot be reinstated during the term of the loan.

Free Services

Fee Description Amount
Bill Pay FREE
eStatements & eNotices FREE
Incoming Wires FREE
Medallion Signature Guarantee FREE
Android™, iPad® and iPhone® Apps FREE
Online Banking FREE
Notary Service FREE
Personal Automated Teller (PAT) FREE
Mobile Deposits FREE
Visa® Debit Card FREE

Savings and Money Market Accounts

Fee Description Amount
Education SuperSaver (withdrawals not for education expenses) 2% of amount withdrawn
Holiday Club Account early withdrawal $10
Inactive Account Fee (per month; assessed on Savings accounts with no activity (other than dividends) for 24 months and balance below $500; waived for members age 30 and younger and members with (1) other service) $5
Summer Pay early withdrawal 1st FREE, $10 thereafter
Vacation Club Account (in excess of two (2) withdrawals per calendar year) $10

Checking Accounts

Fee Description Amount
Advantage Checking (per month; waived for members who maintain combined Savings and Loan balance(s) of at least $20,000, have an active Summer Pay Account or have Direct Deposit of at least $500 per month) $10
Checking account with a balance below $500 and no activity (other than dividends) for 12 months $2
Copy of Check (per check copy; print in Online Banking for FREE) $2
Copy of Statement (per statement; print in Online Banking for FREE) $2
Courtesy Pay Fee - Check (Paid Non-Sufficient Fund fee) $29*
Returned Deposit Item (waived if primary/joint owner are not on the account on which the check is written) $15
Stop Payment (on one (1) check or a series of checks) $20
Stop Payment on Official Teller Check (waived if check is mailed to you and not received in 10 days) $20
Teller Checks (monthly) 2 FREE, $3 for each additional
Unpaid Item Fee (Non-Sufficient Fund fee) $29*

Loans

Fee Description Amount
Returned Loan Payment (waived if primary/joint owner are not on the account on which the check is written) $15
Skip-A-Pay (per loan) $25
Title Administration $25

Funds Transfer

Fee Description Amount
Courtesy Pay Fee - ACH (Paid Non-Sufficient Fund fee) $29*
ACH Origination (one-time) $5
ACH/Zelle Stop Payment $20
Rush Delivery - Bill Pay Check $14.95
Rush Delivery - Electronic Bill Pay $9.95
Wire Transfer (Domestic) $20
Wire Transfer (International) $50
Payment by Debit or Credit Card (one time) $12
Unpaid Item Fee (Non-Sufficient Fund fee) $29*

Visa Card

Fee Description Amount
Replacement of Lost or Stolen Check Card $5
Replacement of Lost or Stolen Credit Card $5
Visa Credit Card Statement Copy (per month) $5
Courtesy Pay Fee - ATM/Debit (Paid Non-Sufficient Fund Fee) $29*
Overdraft Fee (Non-Sufficient Fund fee) $29*

Safe Deposit Box (Annual Rental)

Fee Description Amount
3 X 5 $35
5 x 5 $50
3 X 10 $65
5 X 10 $90
7 X 10 $115
10 X 10 $125

Other Services

Fee Description Amount
Bad Address (monthly; waived for the first 30 days and for members with total balance(s) of at least $5,000) $5
CO-OP ATM Deposit Discrepancies $2
CO-OP ATM Returned Check Deposits  $6
Foreign Check Collection Processing Fee $25
Garnishment Fee (assessed to any account subject to a new garnishment, attachment or levy) $50
Non-Apple ATM withdrawal (waived for members with Advantage or Investors Checking) $1.50
Overnight Delivery Fee $31.25
Research Fee $5 per 20 minutes
Shared Branch Transactions (waived for members with Advantage or Investors Checking) $3
Verification of Deposit (by third-parties, such as mortgage companies, when not for HUD/Section 8 housing) $25

* Fee applies to overdrafts created by check, in-person withdrawal, or other electronic means. Checking account can’t remain negative for more than 30 days or Checking account balance must be made positive every 30 days.