Apple FCU Savings & Money Market Rates

How Apple FCU’s savings 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
3.00%APY
Requires
Monthly account activity
Minimum
$0
Earns on $10,000 a year
$300
EdVantage Savings
Top rate
Woori America Bank
5.00%APY
Requires
Monthly account activity
Minimum
$1,000
Earns on $10,000 a year
$500
Woori America Bank rates
2nd-highest rate
HSBC USA
4.40%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$440
HSBC USA rates

Compare savings rates near you →

Savings score

Higher than 90% of U.S. banks and credit unions

By balance

$1,000 balance$1,0002.75%
$10,000 balance$10,0002.75%
$100,000 balance$100,0001.75%
QualifiedQualified3.00%

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.

How the score works →

Where Apple FCU ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Money Market Account

1.55%APY

Offers flexible access to funds with no term requirements. Compounded monthly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,499Compounded monthly.	0.50%	—	Compounded monthly.
$2,500 – $19,999Compounded monthly.	1.55%	$155	Compounded monthly.
$20,000 – $49,999Compounded monthly.	1.60%	—	Compounded monthly.
$50,000 – $99,999Compounded monthly.	1.70%	—	Compounded monthly.
$100,000 – $249,999Compounded monthly.	1.75%	—	Compounded monthly.
$250,000 – $999,999Compounded monthly.	2.00%	—	Compounded monthly.
$1,000,000 and upCompounded monthly.	3.00%	—	Compounded monthly.

Sources (2)

All captured Oct 4, 2026

EdVantage Savings

3.00%APYRequirements apply

Exclusive to education community employees in the United States. Requires minimum direct deposit of $500 per month to any Apple FCU Checking or Savings account to qualify for premium rate. Balances over $10,000 and accounts without qualifying direct deposit earn the Regular Savings rate.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Compounded monthly. Premium rate earned on balances up to $10,000 with qualifying minimum monthly direct deposit of $500 to any Apple FCU Checking or Savings account. No minimum balance or monthly fees.Up to $10,000	3.00%	$300	Compounded monthly. Premium rate earned on balances up to $10,000 with qualifying minimum monthly direct deposit of $500 to any Apple FCU Checking or Savings account. No minimum balance or monthly fees.

Sources (2)

All captured Oct 15, 2026

SafetyNet Savings

2.75%APY

Emergency savings account. Balances over $10,000 earn 1.00% APY. No minimum balance required. Option to fund via Round Up debit card purchases.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Compounded monthly. Premium rate earned on balances up to $10,000. No minimum balance required.	2.75%	$275	Compounded monthly. Premium rate earned on balances up to $10,000. No minimum balance required.
Over $10,000Rate earned on balances over $10,000.	1.00%	—	Rate earned on balances over $10,000.

Sources (2)

All captured Oct 15, 2026

Regular Savings

0.10%APY$5 to open

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceCompounded monthly. $5 minimum initial deposit required.Any balance	0.10%	$10	Compounded monthly. $5 minimum initial deposit required.

Sources (2)

All captured Oct 15, 2026

Special-purpose accounts

Coverdell ESA Share

5.00%APYIRA

Coverdell Education Savings Account. Contributions up to $2,000 annually per designated beneficiary. No monthly service fees or minimum balance required.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Up to $19,999Compounded monthly. Premium rate earned on balances up to $19,999. No monthly service fees or minimum account balance required.Up to $19,999	5.00%	$500	Compounded monthly. Premium rate earned on balances up to $19,999. No monthly service fees or minimum account balance required.

Sources (2)

All captured Oct 15, 2026

eXtras Student Savings

0.10%APYKids and teens

Specially designed for members age 23 and younger. Joint owner age 18 or older required on minor accounts until age 18.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,499Premium dividend on balances up to $1,499. No monthly service fees or minimum balance required. Compounded monthly.	3.00%	—	Premium dividend on balances up to $1,499. No monthly service fees or minimum balance required. Compounded monthly.
$1,500 and upBalances of $1,500 or more earn the Regular Savings dividend APY. Compounded monthly.	0.10%	$10	Balances of $1,500 or more earn the Regular Savings dividend APY. Compounded monthly.

Sources (3)

All captured Oct 15, 2026

IRA Share

1.01%APYIRA

Individual Retirement Account savings share (Traditional, Roth, and SEP).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,499Compounded monthly. Traditional, Roth and SEP IRA share.	1.01%	—	Compounded monthly. Traditional, Roth and SEP IRA share.
$2,500 – $19,999Compounded monthly. Traditional, Roth and SEP IRA share.	1.01%	$101	Compounded monthly. Traditional, Roth and SEP IRA share.
$20,000 – $49,999Compounded monthly. Traditional, Roth and SEP IRA share.	1.20%	—	Compounded monthly. Traditional, Roth and SEP IRA share.
$50,000 – $99,999Compounded monthly. Traditional, Roth and SEP IRA share.	1.45%	—	Compounded monthly. Traditional, Roth and SEP IRA share.
$100,000 – $249,999Compounded monthly. Traditional, Roth and SEP IRA share.	1.50%	—	Compounded monthly. Traditional, Roth and SEP IRA share.
$250,000 – $999,999Compounded monthly. Traditional, Roth and SEP IRA share.	1.50%	—	Compounded monthly. Traditional, Roth and SEP IRA share.
$1,000,000 and upCompounded monthly. Traditional, Roth and SEP IRA share.	1.50%	—	Compounded monthly. Traditional, Roth and SEP IRA share.

Sources (1)

applefcu.org/rates · captured Oct 15, 2026

Education SuperSaver

1.25%APYIRA$5 to open

2.0% penalty applies for non-qualifying withdrawals.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceCompounded monthly. 2.0% penalty applies for non-qualifying withdrawals.Any balance	1.25%	$125	Compounded monthly. 2.0% penalty applies for non-qualifying withdrawals.

Sources (2)

All captured Oct 15, 2026

Holiday Club Account

0.25%APYClub$5 to open

On November 1, funds automatically transfer to Checking or Savings account. Account automatically renews each year.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceCompounded monthly. Funds transfer automatically on November 1. Early withdrawal fee of $10 applies.Any balance	0.25%	$25	Compounded monthly. Funds transfer automatically on November 1. Early withdrawal fee of $10 applies.

Sources (2)

All captured Oct 15, 2026

Vacation Club Account

0.25%APYClub$5 to open

Two free withdrawals each calendar year ($10 fee thereafter). Account automatically renews each year.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceCompounded monthly. 2 free withdrawals per calendar year ($10 fee thereafter).Any balance	0.25%	$25	Compounded monthly. 2 free withdrawals per calendar year ($10 fee thereafter).

Sources (2)

All captured Oct 15, 2026

Closed to new customers

Summer Pay

3.00%APYClub

Educator exclusive. New enrollments are not being accepted at this time; members are directed to consider EdVantage Savings.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceCompounded monthly. Penalty may be imposed for early withdrawal (1st free, $10 thereafter). Payouts distributed in summer months. New enrollments not being accepted.Any balance	3.00%	$300	Compounded monthly. Penalty may be imposed for early withdrawal (1st free, $10 thereafter). Payouts distributed in summer months. New enrollments not being accepted.

Sources (2)

All captured Oct 15, 2026

Who can join Apple FCU

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details

← Apple FCU overview

How Apple FCU’s savings rates compare

Apple FCU savings score

Current savings rates

Money Market Account

EdVantage Savings

SafetyNet Savings

Regular Savings

Special-purpose accounts

Coverdell ESA Share

eXtras Student Savings

IRA Share

Education SuperSaver

Holiday Club Account

Vacation Club Account

Closed to new customers

Summer Pay

Who can join Apple FCU