Loan, Deposit and Certificate Rates

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^*APY = Annual Percentage Yield. APY is subject to change without notice. All rates are effective as of 10/02/2024. These details refer only to products shown on the rates table. To view the details of the Bonus Certificate offers which appear in the image, click the image or here.

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 If the certificate is withdrawn within the 10 days following the maturity date, no penalty will apply.

^**The 11-Month No Penalty and 12-Month Starter certificates are not available as IRA certificates.

Fees could reduce earnings on the account.

^*APY = Annual Percentage Yield. APY is subject to change without notice. All rates are effective as of 10/02/2024.

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 If the certificate is withdrawn within the 10 days following the maturity date, no penalty will apply.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.

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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.