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Reviews / Banking


APPLE FEDERAL CREDIT UNION REVIEW 2022: IS IT RIGHT FOR YOU?

BY ANDREA NORRIS

June 9, 2022
 * About Apple FCU
 * Key Features
 * Competitors
 * How To Apply
 * Who It's For
 * Final Take


GOBANKINGRATES SCORE

4.2

SCORE
GOBankingRates Best Banks 2023 scores and rankings are objectively determined by
our research/editorial team. Our scoring formula weighs several factors that
differ from category to category depending on what consumers want from varying
products and banks.
Quick Take: Apple Federal Credit Union offers a wide range of financial products
not always available from traditional banks, but it has steep minimum
requirements to earn the best APYs on savings and checking. While it does not
offer as many member benefits as other credit unions, most customers highly
praise its customer service.
 * APYs
   4.0
   
 * Benefits
   4.0
   
 * Products
   4.5
   
 * Customer Service
   4.2
   

How did we calculate this?


PROS

 * Product offerings for almost every banking and financial need
 * Most banking transactions can be completed without visiting a physical branch


CONS

 * Limited membership
 * High account requirements and minimums for the best APYs
 * Few member benefits




APPLE FEDERAL CREDIT UNION OVERVIEW

Apple Federal Credit Union was founded in 1956. Initially, its membership was
limited to educators, but members no longer need to be affiliated with a school
system to qualify. Now membership is open to anyone who lives, works, volunteers
or worships in select Northern Virginia counties and cities. Apple FCU currently
has 20 branches.





KEY FEATURES

GOBankingRates gave Apple FCU 4.2 stars based on the following key features.


APYS

Here are Apple FCU’s APYs on primary banking products.

Account Type APY Free A+ Checking N/A Regular Savings Money Market Accounts to
depending on balance Certificates to depending on certificate term

Apple FCU does offer an interest-bearing Advantage Checking account with a
waivable monthly fee, as well as student and education savings accounts with
better APYs for which members may be eligible.


BENEFITS

Apple FCU offers the following benefits to members:

 * Learning Center: The Apple FCU Learning Center offers resources like free
   financial education and analysis to help you understand your money better.
 * Financial Calculators: Apple FCU has calculators available for debt,
   mortgage, budgeting, auto, retirement and savings, with several options
   available in each category.
 * Financial Seminars: Apple FCU schedules seminars for members on different
   topics, like purchasing a home.
 * Dividend Earnings: Members can earn interest on select Apple FCU accounts.


PRODUCTS

Apple FCU provides the following traditional banking products:

 * Credit cards
 * Checking
 * Savings
 * Money market accounts
 * Certificates
 * IRAs
 * Loans



Unlike some traditional banks, Apple FCU provides insurance, estate services,
wealth management and tax services.


CUSTOMER SERVICE

Apple FCU provides several ways for members to get customer service assistance:

 * Physical branch
 * Phone
 * Secure email
 * Chat
 * Facebook

Apple FCU has been a member of the Better Business Bureau since 2011 and has an
A+ rating. It has a customer rating of 4.7 on its site.




COMPARABLE CREDIT UNION OPTIONS

Anyone interested in joining a credit union has a variety of choices and should
compare options before applying to one. Here is how Apple FCU compares to two
other credit unions.


APPLE FCU VS. CONSUMERS CREDIT UNION

Apple FCU customers must meet specific minimum requirements to earn a APY on the
Advantage Checking account. Consumers Credit Union offers fee-free to APY
Rewards Checking. CCU membership is open to anyone.


APPLE FCU VS. ASCEND FEDERAL CREDIT UNION

While Apple FCU’s member benefits are somewhat limited, Ascend Financial Credit
Union offers quite a few member perks, including:

 * Access to financial education lessons, videos, tools and calculators
 * Member profit-sharing
 * Debit card purchase discounts
 * Free access to Ascend’s robust money management tool





HOW TO APPLY

Those interested in joining Apple FCU can apply online or visit a local branch.
Applicants will need at least one form of identification and must prove
membership eligibility. For online applications, the required documentation can
be securely uploaded during the application process.




WHO APPLE FEDERAL CREDIT UNION IS BEST FOR

Apple FCU is best for those who live or work in Northern Virginia and can meet
minimum account requirements to benefit from better APYs. Anyone who cannot meet
Apple FCU’s minimum account requirements may find better APYs from other
financial institutions. 




FINAL TAKE

Apple Federal Credit Union provides a suite of financial services beyond what
you can get from many traditional banks, but its account APYs cannot compete
with those of some other credit unions. However, customers and the Better
Business Bureau give Apple FCU high ratings.


FAQ

Here are answers to common questions about Apple FCU.
 * Is Apple Federal Credit Union owned by Apple?
   * Apple Federal Credit Union is not owned by nor associated with Apple Inc.,
     the technology company. Apple began as a credit union for educators, which
     is likely the reason for "apple" in the name.
 * What states is Apple Federal Credit Union in?
   * All physical branches of Apple Federal Credit Union are in Northern
     Virginia.
 * Who can use Apple Credit Union?
   * Membership to Apple Federal Credit Union is available to anyone who lives,
     works, worships, volunteers or attends school in the following areas of
     Northern Virginia: Fairfax County, Frederick County, Prince William County,
     City of Fairfax, City of Manassas and City of Manassas Park.
 * Is Apple Federal Credit Union FDIC insured?
   * Since Apple FCU is a credit union, it is insured by the National Credit
     Union Administration rather than the FDIC. Apple FCU accounts are protected
     up to $250,000 by the NCUA.



Rates are subject to change; unless otherwise noted, rates are updated
periodically. All other information on accounts is accurate as of June 8, 2022.

Editorial Note: This content is not provided by Apple Federal Credit Union. Any
opinions, analyses, reviews, ratings or recommendations expressed in this
article are those of the author alone and have not been reviewed, approved or
otherwise endorsed by Apple Federal Credit Union.

Share This Article:



BY ANDREA NORRIS

June 9, 2022


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ABOUT THE AUTHOR

ANDREA NORRIS

Andrea Norris has been in the web publishing business for the past 15 years both
as a content contributor and a copy editor specializing in personal finance,
frugal living, home and auto topics. She writes both short and long-form content
and is well-practiced in SEO keyword research and writing.
Learn More



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