Online Banking

Open an eXtras Student Savings Today and Get $50*

Open an eXtras Student Savings account now through June 30, and Apple will deposit $50 into your account! Use the promotion code EXTRAS50 to earn the bonus.*

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Apple FCU & WTOP

Raising Financially Responsible Kids:
Public Education and Financial Literacy
Key Tips for Parents
Apple FCU & WTOP

Get an A+ in Personal Finance

Welcome to Apple Federal Credit Union's resource hub for raising financially responsible kids. Whether you're a current Apple member or new to our community, you'll find valuable information and tools here to guide your children on the path to financial success.

From expert articles and practical tips to tailored kids' accounts and youth programs, we're committed to partnering with you in nurturing the next generation of financially savvy individuals.

Financial Topics Made Easy for Kids

Our articles make explaining financial topics easy and fun! Discover practical tips on discussing money with your kids, resources to build their financial skills and clear explanations for even the trickiest concepts.

7 Ways To Spring Clean Your Finances
Back to Basics

7 Ways To Spring Clean Your Finances

Simple ways to bring the spirit of spring cleaning to your financial life.

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Apple FCU and Prince William County Schools Empower Families Through Financial Literacy
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Apple FCU and Prince William County Schools Empower Families Through Financial Literacy

Speaking with Superintendent Dr. LaTanya McDade about the value of teaching financial literacy in schools.

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How To Teach Your Kids About Investing
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How To Teach Your Kids About Investing

Explore age-appropriate ways to introduce investing concepts to kids and teens.

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View more articles

eXtras Student Checking

eXtras Student Checking lays the foundation of solid money management for youth 12-23 years old* with low to no fees.

To open an eXtras Student Checking account, you must have the child's Birth Certificate and Social Security Card at the time of account opening.

Features

  • No monthly service fees
  • No minimum balance requirements
  • FREE eStatements
  • FREE Apple ATMs
Ask a Question Schedule Video Appointment Terms & Fees
*A parent/guardian is required as a joint owner until the youth reaches age 18.

eXtras Student Savings

This high-dividend savings account is specially designed for members age 23 and younger.

Features

  • Earn a premium dividend on balances up to $1,500†
  • No monthly service fees
  • No minimum account balance
  • As a joint owner, parents have complete access to the account.

Dividend APY*

3.00%

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*APY = Annual Percentage Yield. APY is subject to change without notice. All rates are effective as of 03/08/2022.
† Balances over $1,500 will earn our Regular Savings dividend APY.

eXtras Student Credit Card

Student Credit Card

Features

  • For members, ages 18 to 25
  • Credit Lines up to $1,500
  • Fixed Rates Below 18.00% APR1
  • No Annual Fee

APR1 as low as

9.90%

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Agreements Disclosure & Fees Protection Package Prequalify Me, No Score Impact
Contact Numbers Ask a Question Schedule Video Appointment
1APR = Annual Percentage Rate. As of date 02/03/2025 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. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars.

Education SuperSaver

Open an Education SuperSaver account with as little as $5, and then watch your savings grow with great dividend rates.

Features

  • Minimum $5 initial deposit
  • Earns higher dividends to help cover school costs
  • 2.0% penalty applies for non-qualifying withdrawals.

Dividend APY*

1.25%

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*APY = Annual Percentage Yield. APY is subject to change without notice. Fees could reduce earnings. All rates are effective as of .

12-Month Starter Certificate

Don't let a lack of existing savings hold you back. Your journey begins with your first step on a steady path towards financial security.

Features

  • Low, $50 minimum opening balance
  • Add additional funds at any time up to $5,000 maximum
  • One Starter Certificate per membership

Maximum APY*

5.00%

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Ask a Question
*APY = Annual Percentage Yield as of 04/04/2025 for a 12-month Starter Certificate; subject to change at any time. Required minimum deposit of $50; maximum $5,000. Additional deposits are permitted at any time until maturity, up to the maximum. 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 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 withdrawn within the 10 days following the maturity date, no penalty will apply. Fees could reduce earnings on the account. See Starter Certificate Disclosure for complete terms.
Direct Deposit

Open an eXtras Student Savings Today and Get $50*

It's never too early to teach kids about the importance of savings.

Open an eXtras Student Savings account now through June 30, and Apple will deposit $50 into your account! Use the promotion code WTOP to earn the bonus.

*To qualify, member must open a NEW youth membership (ages 0-23) with an eXtras Student Savings 04/01/2025-06/30/2025, and mention promotion code WTOP at the time of account opening. Limited to two (2) eXtras Savings Bonuses per household. The $50 bonus will be deposited in the eXtras account within 60 days pending verification.