Credit union · NCUA insured
Apple FCU CD Rates
Top CarrotApple FCU’s best CD rate is 5.00% APY on a 1-year share certificate (CD). Terms run from 5 months to 10 years. Rates checked October 22, 2026.
How Apple FCU’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Apple FCU has the most branches. $10,000, best rate first.
This credit union’s best
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
Bonus Certificate
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
3rd-highest rate
Educational Systems Federal Credit Union
4.60%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $698
Apple FCU CD score
97
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.30%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo4.30%
- QualifiedQualified4.30%
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 FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
12-Month Starter Certificate
5.00%APY · 1 term
Required minimum deposit of $50; maximum $5,000. Additional deposits permitted at any time until maturity up to the maximum. Only one Starter Certificate per membership. Not available as an IRA certificate. Early withdrawal penalty: lesser of dividends earned since issuance/renewal or 180 days dividends. 10-day grace period following maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 5.00% | — |
Bonus Certificate
Up to 5.00%APY · 8 terms
Minimum deposit $500. Limited-time bonus certificate rates celebrating 70 years; valid for funds currently held at Apple FCU and new money transferred from another institution. Early withdrawal penalties apply (over 6 to 60 months: lesser of dividends earned or 180 days dividends; greater than 60 months: lesser of dividends earned or 1095 days dividends). 10-day renewal grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownTerm is 70 weeks. Automatically renews as a 15-month Certificate at maturity unless notified otherwise | 4.50% | $0 |
| 5 monthsAutomatically renews as a 6-month Certificate at maturity unless notified otherwise | 4.30% | $177 |
| 11 monthsAutomatically renews as a 12-month Certificate at maturity unless notified otherwise | 4.30% | $393 |
| 23 monthsAutomatically renews as a 24-month Certificate at maturity unless notified otherwise | 4.30% | $840 |
| 59 monthsAutomatically renews as a 60-month Certificate at maturity unless notified otherwise | 4.30% | $2,300 |
| 70 monthsAutomatically renews as a 60-month Certificate at maturity unless notified otherwise | 5.00% | $3,292 |
| 83 monthsAutomatically renews as an 84-month Certificate at maturity unless notified otherwise | 4.30% | $3,380 |
| 119 monthsAutomatically renews as a 120-month Certificate at maturity unless notified otherwise | 4.30% | $5,182 |
Sources (2)
All captured Oct 22, 2026
Jumbo Certificate
3.80%APY · 3 terms
Minimum deposit / balance of $50,000 required. Early withdrawal penalties apply: 6 months or less: lesser of dividends earned since issuance/renewal or 90 days dividends; over 6 to 60 months: lesser of dividends earned or 180 days dividends; greater than 60 months: lesser of dividends earned or 1095 days dividends. 10-day grace period following maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.80% | — |
| 36 months | 3.80% | — |
| 60 months | 3.80% | — |
Regular Certificate
Up to 3.75%APY · 9 terms
Minimum deposit of $500 required. Early withdrawal penalties apply: 6 months or less: lesser of dividends earned since issuance/renewal or 90 days dividends; over 6 to 60 months: lesser of dividends earned or 180 days dividends; greater than 60 months: lesser of dividends earned or 1095 days dividends. 10-day grace period following maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.35% | $166 |
| 12 months | 3.75% | $375 |
| 15 months | 3.75% | $471 |
| 24 months | 3.75% | $764 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
| 84 months | 3.75% | $2,939 |
| 120 months | 3.75% | $4,450 |
11-Month No Penalty Certificate
3.00%APY · 1 term
Required minimum deposit of $500. No penalty imposed for the first withdrawal during term; subsequent withdrawals may impose a penalty (lesser of dividends earned since issuance/renewal or 180 days dividends). 10-day grace period following maturity date. Not available as an IRA certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsOne no-penalty withdrawal permitted during the term | 3.00% | $275 |
Special-purpose accounts
Jumbo IRA Certificate
3.80%APY · 3 terms
Crafted for Individual Retirement Accounts (IRAs). Minimum deposit / balance of $50,000 required. Early withdrawal penalties apply: 6 months or less: lesser of dividends earned since issuance/renewal or 90 days dividends; over 6 to 60 months: lesser of dividends earned or 180 days dividends; greater than 60 months: lesser of dividends earned or 1095 days dividends. 10-day grace period following maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.80% | — |
| 36 months | 3.80% | — |
| 60 months | 3.80% | — |
Regular IRA Certificate
Up to 3.75%APY · 9 terms
Crafted exclusively for Individual Retirement Accounts (IRAs). Minimum deposit of $500 required. Early withdrawal penalties apply: 6 months or less: lesser of dividends earned since issuance/renewal or 90 days dividends; over 6 to 60 months: lesser of dividends earned or 180 days dividends; greater than 60 months: lesser of dividends earned or 1095 days dividends. 10-day grace period following maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.35% | $166 |
| 12 months | 3.75% | $375 |
| 15 months | 3.75% | $471 |
| 24 months | 3.75% | $764 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
| 84 months | 3.75% | $2,939 |
| 120 months | 3.75% | $4,450 |
Who can join Apple FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.