Apple Federal Credit Union

“Apple Federal Credit Union” (Apple FCU), founded in 1956, has grown into one of the top 100 credit unions in the United States. It serves approximately 245,000 members and manages an impressive ‘$4.4 billion’ in assets. Members own “credit unions” (which are non-profit financial cooperatives). Joining a credit union, such as Apple FCU, entitles you to “membership and shares” in the organization.

Apple Federal Credit Union (Apple FCU), as a member-owned banking cooperative, serves a broad community that includes local school systems and “residents or employees” in “Fairfax, Frederick (VA), and Prince William counties.”

Apple Federal Credit Union provides its members with convenient access to banking services through its 21 branches located across “Northern Virginia,” as well as ‘online and mobile’ banking. Additionally, with access to over 33,000 ATMs nationwide.

2023 – Apple FCU in the Numbers
$340,000 donated to “causes and activities” that benefit the people of Northern Virginia.
Employees at Apple FCU donated more than “2,550 hours” to support community projects.
Employees of Apple FCU participated in 97 activities, ‘supporting and involving’ the community.
Twenty-five outstanding “high school seniors” received scholarships totaling $75,000 to help them continue their education.

Apple FCU’s headquarters are in “Fairfax, Virginia,” all decisions are made locally by specialists who are aware of the “benefits and features” of the market.

Apple FCU is pleased to provide its members with free access to professionally designed financial “education and resources” thanks to a partnership with industry leader BALANCE. This partnership provides valuable tools to assist members in managing their financial matters, such as “budgeting, debt management, and improving credit scores.” Go to “applefcu.balancepro.org/” to retrieve resources.

Apple Federal Credit Union is frequently named a ‘Top Workplace’ and has received many ‘Washington Post Top Workplace’ awards, demonstrating its reputation as a wonderful place to work. Additionally, it has been honored as one of American Banker’s “Best Credit Unions to Work For” several times. Apple FCU provides its employees with competitive pay and benefits, including “health, vision, and dental insurance” as well as “a generous 401(k) match, tuition reimbursement, pension, parental leave, paid time off, and bonus plans.”

The Positive Pay product from Apple FCU shields companies from “fraudulent transactions” and unlawful access, thereby enhancing account security. Positive Pay implies that only authorized “checks and ACH transactions” will be processed by Apple FCU through “cross-referencing and real-time validation capabilities.” Speak with a ‘Treasury Management Specialist’ to find out more or to enroll in Positive Pay.

Apple Federal Credit Union provides a range of “Certificates” that are intended to assist members in achieving savings that are assured. A certificate of deposit is a kind of account where you can commit to deposit your money for a ‘predetermined amount of time’ in exchange for dividends. These accounts typically offer ‘higher’ dividend rates compared to regular savings accounts. To view the available Certificates, go to “applefcu.org/savings/certificates”.

Apple Federal Credit Union offers a variety of “loans” to meet the financial needs of its members. These include: Auto Loans, Mortgage Loans, Home Equity Loans, Personal Loans, Credit Cards, Student Loans, and Business Loans. Please visit “applefcu.org/loans” for further information.

For interest rates or yield on all types of services, such as ‘loan, deposit, certificate, credit card, etc.,’ visit “applefcu.org/rates”.

Apple Federal Credit Union offers a comprehensive range of “commercial” products/services tailored to meet the needs of businesses. These include: Commercial Real Estate Loans, Business Lines of Credit, Business Term Loans, Business Credit Cards, Merchant Services, Business Checking and Savings Accounts, and SBA Loans. Please visit “applefcu.org/commercialbanking” for further information.

Membership -

Credit unions, including “Apple Federal Credit Union,” are non-profit financial cooperatives that are ‘owned and operated’ by their members. Apple Federal Credit Union membership is open to individuals who “live, work, worship, volunteer, or attend school” in the following areas: Fairfax County, City of Fairfax, Prince William County, Frederick County (VA), City of Winchester, City of Manassas, and City of Manassas Park.

Enrolling in ‘Apple FCU’ is a simple process. To get started, just select either “Regular Savings” or Checking (which includes Regular Savings) account.

	Advantage Checking	FREE A+ Checking	eXtras Student Checking	Investors Checking
Required Minimum Deposit to Open an Account	$0	$0	$0	$0
Monthly Fee	$10	$0	$0	$0
Apple FCU ATM Fees (on using an Apple FCU ATM)	$0	$0	$0	$0
CO-OP Network and Alliance One Network ATM Fees	$0	$0	$0	$0
Non-Apple FCU ATM Fees (on using an ATM that Apple FCU does not own)	$0	$1.50	$0 for 2 transactions per month	$0
Non-Sufficient Funds Fee (per item)	$25	$25	$25	$25
Inactive Account Fee	$2	$2	$2	$2
Dividend Rate	0.05%	N/A	N/A	0.05% or 1.00%
Benefits	One complimentary check box every year	First package of checks is free; No minimum balance requirements	No minimum balance requirements	First package of checks is free
The above tariff was last ‘read’ in October 2024. Visit “applefcu.org/appleweb/membership” for “more information and other terms” that is current
For information on ‘savings account’ options, such as Regular Savings, go to “applefcu.org/savings”
A U.S. government organization called the “National Credit Union Administration” (NCUA) insures all accounts at ‘Apple Federal Credit Union’ up to a $250,000 limit. But investment funds, like “stocks, bonds, equities, etc.,” are not covered by the NCUA

Apple Financial Services LLC -

Since its founding in 1989, “Apple Financial Services LLC,” a wholly-owned subsidiary of ‘Apple Federal Credit Union,’ has been offering a range of professional services tailored to the needs of Apple FCU members. These services include ‘insurance, investment, and retirement planning,’ to help protect members’ assets and plan for the future. Visit “appleservices.com/” for investments and “applefcu.org/afs/insurance” for insurance.

The tax preparation services offered by “Apple Financial Services” are not connected to “CUSO Financial Services, L.P.” (CFS), nor is Apple Financial Services directly related with CFS. The Apple FCU and CFS have an agreement in place for the Apple FCU to provide its members with non-deposit investment “products and services.” Furthermore, neither CFS nor its agents offer tax advice. CFS, a registered broker-dealer (Member FINRA/SIPC) and a SEC Registered Investment Advisor, provides non-deposit investment “products and services.”

The products offered through CFS are:

Not ‘federally insured’ or covered by NCUA/NCUSIF.
Not Apple FCU’s promises or commitments.
Subject to the risk associated with investments, including potential principal loss.

Apple FCU and NextMark Credit Union -

In June 2024, Apple FCU and “NextMark Credit Union” announced an exciting decision to merge, pending approval. The united credit union, should the merger go through, will have assets in excess of $4.8 billion, serve over 260,000 members, and run 25 branches throughout “Northern Virginia.” It is projected that the merger would be completed in ‘early 2025,’ assuming all necessary clearances.

This merger aims to “enhance member services, expand branch access, and strengthen the financial stability of the newly formed institution,” providing greater resources and opportunities for its members.

Apple FCU Branches -

Location	Address
Ashburn	44170 Ashbrook Marketplace Plaza #110, Ashburn, VA 20147
Bailey’s Crossroads	5701-D Columbia Pike, Falls Church, VA 22042
Burke Centre	6025-E, Burke Centre Pkwy, Burke, VA 22015
Centreville	14260-J, Centreville Square, Centreville, VA 20121
Chantilly	3915 Centreville Rd B, Chantilly, VA 20151
Fairfax	9701 Main St, Fairfax, VA 22031
Fairfax Corner	4097 Monument Corner Dr, Fairfax, VA 22030
Falls Church	1226 W Broad St, Falls Church, VA 22046
Gainesville	14385 McGraws Corner Dr, Gainesville, VA 20155
Herndon	362 Elden St, Herndon, VA 20170
Kingstowne	6831 Sir Viceroy Dr, Alexandria, VA 22315
Lake Ridge	4201 Old Bridge Rd, Woodbridge, VA 22192
Manassas	8700 Centreville Rd, Manassas, VA 20110
Merrifield	Fcps Administration, 8115 Gatehouse Rd building suite 1500, Falls Church, VA 22042
Mt. Vernon	7696 Richmond Hwy UNIT F, Alexandria, VA 22306
Springfield	6708 Backlick Rd, Springfield, VA 22150
Stafford	1495 Stafford Market Pl, Stafford, VA 22556
Sterling	21361 Gentry Dr, Sterling, VA 20166
Sudley Manor	8400 Chatsworth Dr, Manassas, VA 20109
Winchester	1850 S Loudoun St, Winchester, VA 22601
Woodbridge	14229 Potomac Mills Rd, Woodbridge, VA 22192

Apple FCU and Government shutdown -

During a government shutdown, ‘Apple Federal Credit Union’ provides various forms of assistance to help its members manage financial challenges.

Skip-A-Loan Payment: Apple FCU may offer a Skip-A-Loan Payment option, allowing members to temporarily skip a loan payment without it negatively affecting their ‘credit score.’ Not every kind of loan is eligible. For information, see “applefcu.org/skip”.
Penalty-Free Certificate Withdrawal: This allows members to withdraw funds from their “Certificates” (also known as CDs), without incurring the usual early withdrawal penalties.
Government Shutdown Loan: Apple FCU might be able to offer you a loan with low APR interest if you work for the ‘federal government,’ have direct deposit with Apple FCU, and aren’t getting paid during the shutdown. The loan is designed to help members cover essential expenses like “rent, utilities, and groceries.”
FREE BALANCE Financial Counseling: Through this service, members can access: Personalized financial advice, Debt management guidance, Credit report reviews, and Long-term financial planning. Free counseling is available over the internet at “applefcu.balancepro.org/” or “over the phone at (888) 456-2227.”
Personal Loans, Lines of Credit and Credit Cards: Includes certain ‘short-term, low-interest’ products/plans designed to help cover expenses until the shutdown ends. Visit “applefcu.org/loans” for further details.

The official website of ‘Apple Federal Credit Union’ is: https://www.applefcu.org/.

That’s all friends.