Deposit and Loan Rates

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New Auto Loan

Loan Type
Approximate Terms
APR as low as* Conditions Apply Now View Disclosure   
up to 36 months 2.59 % Minimum loan of $5000
up to 48 months 2.84 % Minimum loan of $5000
up to 60 months 3.09 % Minimum loan of $5000
up to 72 months 3.34 % Minimum loan of $15,000
up to 84 months 3.59 % Minimum loan of $25,000

Used Auto Loan

Loan Type
Approximate Terms
APR as low as* Conditions Apply Now View Disclosure   
up to 36 months 3.09 % Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 100,000.
up to 48 months 3.34 % Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 100,000.
up to 60 months 3.59 % Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 100,000.
up to 72 months 3.84 % Minimum loan amount $15,000; vehicle must be no more than 7 model years old.
up to 84 months 4.09 % Minimum loan amount $25,000; vehicle must be no more than 3 model years old.

Auto Loan Refinance

Loan Type
Approximate Terms
APR as low as* Conditions Apply Now View Disclosure   
up to 36 months 2.59 % Offer not applicable on loans currently held by Apple FCU.
up to 48 months 2.84 % Offer not applicable on loans currently held by Apple FCU.
up to 60 months 3.09 % Offer not applicable on loans currently held by Apple FCU.
up to 72 months 3.34 % Offer not applicable on loans currently held by Apple FCU.
up to 84 months 3.59 % Offer not applicable on loans currently held by Apple FCU.

New Motorcycle Rates

Loan Type
Approximate Terms
APR as low as* Conditions Apply Now View Disclosure   
up to 36 months 4.34 % 100% of purchase price
up to 48 months 4.59 % 100% of purchase price
up to 60 months 4.84 % 100% of purchase price; minimum loan $8,500
up to 72 months 5.09 % 100% of purchase price. Minimum loan $15,000
up to 84 months 5.34 % 100% of purchase price; minimum loan $20,000

Used Motorcycle Rates

Loan Type
Approximate Terms
APR as low as* Conditions Apply Now View Disclosure   
up to 36 months 5.34 % Up to 100% NADA retail value
up to 48 months 5.59 % Up to 100% NADA retail value
up to 60 months 5.84 % Up to 100% NADA retail value; minimum loan $8,500
up to 72 months 6.09 % Up to 100% NADA retail value; minimum loan $15,000

Approximate Payment Calculation Table

Payments based on $10,000 loan amount. Maximum loan amount of $100,000.

Product As Low As
Rate
Minimum Term Approximate Payment
New & Refinanced Auto 2.59 % 36 $289.01
Used Auto 3.09 % 36 $291.21
New Motorcycle 4.34 % 36 $296.75
Used Motorcycle 5.34 % 36 $301.24

*APR = Annual Percentage Rate as of 08/20/2019 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 vehicle and includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle. Current Apple FCU Auto Loans are not eligible for refinance.

0.25% rate discount contingent upon an active, monthly direct deposit of $1,000 or more 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 minimum of $1,000 a month, 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.

Checking

Account Type APY* Minimum Opening Deposit Compounded
Advantage Checking 0.15 % - Monthly
Investors Checking (Up to $19,999) 2.00 % - Monthly
Investors Checking ($20,000 or more) 0.20 % - Monthly

Savings & Club Accounts

Account Type APY* Minimum Opening Deposit Compounded
Regular Savings 0.10 % $5 Monthly
eXtras Student Savings (up to $1,499) 2.00 % - Monthly
eXtras Student Savings ($1,500 or more) 0.10 % - Monthly
Education SuperSaver 2.00 % - Monthly
Coverdell Education Savings 4.00 % - Monthly
Summer Pay (Educator Exclusive) 1.00 % - Monthly
Holiday Club Account 0.25 % - Monthly
Vacation Club Account 0.25 % - Monthly

Money Market Accounts

Account Type APY* Minimum Opening Deposit Compounded
Money Market (up to $2,499) 0.50 % - Monthly
Money Market ($2,500 - $19,999) 0.90 % Monthly
Money Market ($20,000 - $49,999) 1.00 % Monthly
Money Market ($50,000 or more) 1.10 % Monthly

Super Money Market Accounts

Account Type APY* Minimum Opening Deposit Compounded
Super Money Market ($99,999 or less) 0.50 % - Monthly
Super Money Market ($100,000 or more) 1.30 % $100,000 Monthly

Mega Money Market Accounts

Account Type APY* Minimum Opening Deposit Compounded
Mega Money Market (up to $250,000) 0.00 % Monthly
Mega Money Market ($250,000 or more) 0.00 % $250,000 Monthly

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

Account Type APY* Minimum Opening Deposit Compounded
IRA Share (up to $19,999) 0.90 % - Monthly
IRA Share ($20,000 - $49,999) 1.00 % - Monthly
IRA Share ($50,000 - $99,999) 1.10 % - Monthly
IRA Share ($100,000 and over) 1.30 % Monthly

*APY = Annual Percentage Yield is subject to change without notice. All deposit rates are effective as of 10/28/2019.

Money Market Accounts

Account Type APY* Minimum Opening Deposit Compounded
Money Market (up to $2,499) 0.50 % - Monthly
Money Market ($2,500 - $19,999) 0.90 % Monthly
Money Market ($20,000 - $49,999) 1.00 % Monthly
Money Market ($50,000 or more) 1.10 % Monthly

Super Money Market Accounts

Account Type APY* Minimum Opening Deposit Compounded
Super Money Market ($99,999 or less) 0.50 % - Monthly
Super Money Market ($100,000 or more) 1.30 % $100,000 Monthly

Mega Money Market Accounts

Account Type APY* Minimum Opening Deposit Compounded
Mega Money Market (up to $250,000) 0.00 % Monthly
Mega Money Market ($250,000 or more) 0.00 % $250,000 Monthly

*APY = Annual Percentage Yield is subject to change without notice. All deposit rates are effective as of 10/28/2019.

Regular and IRA Certificate Rates

Certificate Term APY* %
6 Month 1.90 %
12 Month 2.00 %
15 Month 2.00 %
24 Month 2.00 %
36 Month 2.00 %
48 Month 2.00 %
60 Month 2.15 %
84 Month 2.20 %
120 Month 2.25 %

Jumbo Certificate Rates

Certificate Term APY* %
12 Month 2.05 %
36 Month 2.05 %
60 Month 2.20 %

*APY = Annual Percentage Yield. APY is subject to change without notice.

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 redeemed within 10 days of renewal, no penalty will apply.

Fees could reduce earnings on the account.

Credit Cards Rates

Card Type APR as low as* Conditions Apply Now
Visa Platinum 9.74 % Up to $35,000 DisclosureAgreement
MyRewards Visa 11.24 % Up to $5,000 DisclosureAgreement
Educator Visa ** 9.74 % Up to $35,000 DisclosureAgreement
Student Visa 9.90 % Up to $1,500 DisclosureAgreement
Mason Alumni Visa 12.74 % Up to $35,000 DisclosureAgreement
Credit Builder Visa 16.75 % Up to $5,000 DisclosureAgreement
Signature Rewards Visa 11.24 % Up to $50,000 DisclosureAgreement

*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
APR as low as* Conditions Apply Now
Signature Loan 9.24 % Up to $50,000
Signature Line of Credit - Variable 9.49 % Up to $50,000; APR is Prime Rate** + 4.24 - 14.99%
Savings Secured (Regular Savings) 3.00 % 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
Savings Secured (Certificates) 2.00 % 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

*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%.

† 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. 0.25% rate discount contingent upon an active, monthly direct deposit of $1,000 or more 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 minimum of $1,000 a month, 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
My Financial Life ( Personal Money Manager) 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 $1,000 per month) $10
Checking account with a balance below $500 and no activity (other than dividends for one (1) year (per month) ) $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
Check/Bill Pay Payment Overdraft Privilege (Paid Non-Sufficient Funds) $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

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
ACH Overdraft Privilege (Paid Non-Sufficient Funds) $29*
ACH Origination (one-time) $5
ACH 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

ATM Card/Visa Card

Fee Description Amount
Design Your Own Card (Credit) 1st FREE, $9.99 thereafter
Replacement of Lost or Stolen ATM Card $5
Replacement of Lost or Stolen Check Card $5
Replacement of Lost or Stolen Credit Card $5
Visa Credit Card Statement Copy (per month) $5
Xpress Yourself Debit Card (custom card) 1st FREE, $9.99 thereafter
Debit/ATM Card Overdraft Privilege (Paid Non-Sufficient Funds) $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
Visa® Gift Card (activation) $3.50
Visa Reloadable Card (activation) $7.95

* 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.