Bank · FDIC insured
Apple Bank Savings Rates
Apple Bank’s best savings rate is 3.55% APY on $10,000, with its Apple Bank Choice Money Market Account. Rates checked October 16, 2026.
How Apple Bank’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where Apple Bank has the most branches. $10,000, best rate first.
This bank’s best
Apple Bank
3.55%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $355
Apple Bank Choice Money Market Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Apple Bank savings score
93
Savings score
Higher than 95% of U.S. banks and credit unions
- $10,000 balance$10,0003.55%
- $100,000 balance$100,0003.55%
- QualifiedQualified3.55%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Apple Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Apple Bank Choice Money Market Account
Up to 3.55%APY
Open at branch locations. Can be linked with Choice Checking in the Apple Choice Banking Program for preferred rates. No monthly maintenance fee regardless of account balance. Must maintain a minimum daily balance of $2,500.00 each day to earn stated APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $50,000Preferred Rate through Apple Choice Banking Program Elite tier: Primary owner of Choice Checking who meets Premier tier requirements (maintain $2,500 min daily balance in Choice Checking, or 1 qualifying ACH deposit, or enroll in paperless statements), is primary/secondary owner of Choice Money Market, conducts 5 qualifying credit/debit transactions of at least $25 each in Choice Checking per statement cycle, and maintains $2,500 minimum balance in Choice Money Market on evaluation date. Preferred rate is 0.50% above standard interest rate. | 3.55% | $355 | Preferred Rate through Apple Choice Banking Program Elite tier: Primary owner of Choice Checking who meets Premier tier requirements (maintain $2,500 min daily balance in Choice Checking, or 1 qualifying ACH deposit, or enroll in paperless statements), is primary/secondary owner of Choice Money Market, conducts 5 qualifying credit/debit transactions of at least $25 each in Choice Checking per statement cycle, and maintains $2,500 minimum balance in Choice Money Market on evaluation date. Preferred rate is 0.50% above standard interest rate. |
| $2,500 – $50,000Standard rate. Must maintain a minimum daily balance of $2,500.00 each day to earn the stated APY. | 3.03% | $303 | Standard rate. Must maintain a minimum daily balance of $2,500.00 each day to earn the stated APY. |
| $50,000 and upPreferred Rate through Apple Choice Banking Program Elite tier: Primary owner of Choice Checking who meets Premier tier requirements (maintain $2,500 min daily balance in Choice Checking, or 1 qualifying ACH deposit, or enroll in paperless statements), is primary/secondary owner of Choice Money Market, conducts 5 qualifying credit/debit transactions of at least $25 each in Choice Checking per statement cycle, and maintains $2,500 minimum balance in Choice Money Market on evaluation date. Preferred rate is 0.50% above standard interest rate. | 3.55% | — | Preferred Rate through Apple Choice Banking Program Elite tier: Primary owner of Choice Checking who meets Premier tier requirements (maintain $2,500 min daily balance in Choice Checking, or 1 qualifying ACH deposit, or enroll in paperless statements), is primary/secondary owner of Choice Money Market, conducts 5 qualifying credit/debit transactions of at least $25 each in Choice Checking per statement cycle, and maintains $2,500 minimum balance in Choice Money Market on evaluation date. Preferred rate is 0.50% above standard interest rate. |
| $50,000 and upStandard rate. Must maintain a minimum daily balance of $2,500.00 each day to earn the stated APY. | 3.03% | — | Standard rate. Must maintain a minimum daily balance of $2,500.00 each day to earn the stated APY. |
Sources (2)
All captured Oct 5, 2026
Treasury Bill Indexed Money Market Account
Up to 2.73%APY
Cannot be opened online; open in branch. Indexed to the closing asked discount basis of 30-day Treasury Bills as published in The Wall Street Journal on the last business day of the prior month. New APYs take effect on the first calendar day of each subsequent month. Deposit at least $25,000 within 30 days of opening and maintain minimum daily balance of $25,000 to earn APY; no interest paid on deposits under $25,000. $10.00 monthly service fee if balance falls below $10,000.00 on any day.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 – $49,999Rate is 50% of the indexed rate. Monthly service fee of $10.00 applies if account balance falls below $10,000.00 on any day. | 1.94% | — | Rate is 50% of the indexed rate. Monthly service fee of $10.00 applies if account balance falls below $10,000.00 on any day. |
| $50,000 – $99,999Rate is 60% of the indexed rate. Monthly service fee of $10.00 applies if account balance falls below $10,000.00 on any day. | 2.34% | — | Rate is 60% of the indexed rate. Monthly service fee of $10.00 applies if account balance falls below $10,000.00 on any day. |
| $100,000 and upRate is 70% of the indexed rate. Monthly service fee of $10.00 applies if account balance falls below $10,000.00 on any day. | 2.73% | — | Rate is 70% of the indexed rate. Monthly service fee of $10.00 applies if account balance falls below $10,000.00 on any day. |
Sources (1)
- applebank.com/personal/savings…ill-indexed-money-market · captured Oct 5, 2026
Apple Advantage Money Market Account
1.50%APY
Available in branch.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10,000 – $24,999 | 1.50% | $150 |
| $25,000 – $49,999 | 1.50% | — |
| $50,000 – $99,999 | 1.50% | — |
| $100,000 – $499,999 | 1.50% | — |
| $500,000 and up | 1.50% | — |
Sources (1)
- applebank.com/rates · captured Oct 5, 2026
Money Market Account
0.01%APY
Available in branch.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $24,999 | 0.01% | $1 |
| $25,000 – $49,999 | 0.01% | — |
| $50,000 – $74,999 | 0.01% | — |
| $75,000 and up | 0.01% | — |
Sources (1)
- applebank.com/rates · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.