Loan, Deposit and Certificate Rates (2024)

^*APY = Annual Percentage Yield is subject to change without notice. All deposit rates are effective as of 05/22/2024.

Fees could reduce the earnings on the account.

^*APY = Annual Percentage Yield is subject to change without notice. All deposit rates are effective as of 05/22/2024.

Fees could reduce the earnings on the account.

^*APY = Annual Percentage Yield is subject to change without notice. All deposit rates are effective as of 05/22/2024.

Fees could reduce the earnings on the account.

^*APY = Annual Percentage Yield. APY is subject to change without notice. All rates are effective as of 05/06/2024. These details refer only to products shown on the rates table. To view the details of the Bonus Certificate offers which appear in the image, click the image or here.

Minimum deposit of $500 required. 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 If the certificate is withdrawn within the 10 days following the maturity date, no penalty will apply.

^**The 11-Month No Penalty and 12-Month Starter certificates are not available as IRA certificates.

Fees could reduce earnings on the account.

^*APY = Annual Percentage Yield. APY is subject to change without notice. All rates are effective as of 04/10/2024.

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 If the certificate is withdrawn within the 10 days following the maturity date, no penalty will apply.

Fees could reduce earnings on the account.

Jumbo Certificate rates available on balances of $50,000 or more.

New Auto Loan Disclosure
Refinance New Auto Loan Disclosure

^*APR = Annual Percentage Rate as of 10/26/2023 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 disbursem*nt. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Current Apple FCU Auto Loans are not eligible for refinance.

0.25% rate discount contingent upon an active, monthly direct deposit 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, 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. Apple FCU Direct Deposit will be paid up to 2 days early depending on employer.

^†Payments based on $20,000 loan amount. Maximum loan amount of $100,000.

Used Auto Loan Disclosure
Refinance Used Auto Loan Disclosure

^*APR = Annual Percentage Rate as of 10/26/2023 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 disbursem*nt. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Current Apple FCU Auto Loans are not eligible for refinance.

0.25% rate discount contingent upon an active, monthly direct deposit 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, 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. Apple FCU Direct Deposit will be paid up to 2 days early depending on employer.

^†Payments based on $20,000 loan amount. Maximum loan amount of $100,000.

View Disclosure

^*APR = Annual Percentage Rate as of 04/03/2023 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 disbursem*nt. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Current Apple FCU Auto Loans are not eligible for refinance.

0.25% rate discount contingent upon an active, monthly direct deposit 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, 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. Apple FCU Direct Deposit will be paid up to 2 days early depending on employer.

^†Payments based on $20,000 loan amount. Maximum loan amount of $25,000.

View Disclosure

^*APR = Annual Percentage Rate as of 04/03/2023 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 disbursem*nt. Not all applicants will qualify for the lowest rate. Advertised as low as rate is based on 36-month term for a new and a used vehicle and new and a used motorcycle, this includes a maximum down payment loan-to-value discount when you finance up to 80% of the value of the vehicle or motorcycle. Current Apple FCU Auto Loans are not eligible for refinance.

0.25% rate discount contingent upon an active, monthly direct deposit 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, 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. Apple FCU Direct Deposit will be paid up to 2 days early depending on employer.

^†Payments based on $20,000 loan amount. Maximum loan amount of $25,000.

Agreement

^*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.

^*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%.

^***Introductory rate 0% for the first 12 months. Rates after the 12 month introductory period are based on an evaluation of applicant credit at the time the line of credit was opened. Rates range from 3.25% to 10.25%, not all applicants will qualify for the lowest rate. The rate will vary with the market based on the Prime Rate as published in the Wall Street Journal. We will use the most recent Index value as of the 1st day of the month preceding any APR Adjustment. The APR is subject to change on the first day of January, April, July and October. Maximum Rate 18.00%. To qualify for this product applicant must have or must set up direct deposit of at least $500 monthly, failure to set up direct deposit will result in a higher fixed rate of 15.99%.

^† Includes a 0.25% Direct Deposit rate discount; subject to change at any time. Discount applies to Signature Loan only. Line of Credit is not eligible for 0.25% DD discount. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursem*nt. Not all applicants will qualify for the lowest rate. 0.25% rate discount contingent upon an active, monthly direct deposit of any dollar amount into an Apple FCU Savings or Checking account. Apple FCU Direct Deposit will be paid up to 2 days early depending on employer. 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, 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.