Educators
Financial Tools with Educators in Mind
As an institution founded by and for educators, Apple FCU knows teachers. We understand the dedication it takes, and the demand placed on the educator community. That's why we offer unique accounts and benefits you simply can't get anywhere else.
Educator Exclusive
No Annual Fee
Credit Card Rates Below 18.00% APR*
Online & Mobile Banking
No Prepayment Penalty Fees
*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.
Educator Line of Credit
Available to current or retired educators for classroom expenses, paying off debt or other unexpected expenses life brings.
Features
- Borrow up to $5,000
- 0% APR for the first 12 months*
- Low monthly payments
- $500 guaranteed**
To qualify, applicant must be an educator. Educator is defined as anyone currently employed by or retired from the education industry, to include public/private schools, and colleges/universities in the United States. All employees or retirees, regardless of position, are eligible.
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 6.75 to 17.99%, 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%.
*APR = Annual Percentage Rate as of 01/01/2026 only available for the first 12 months of promotional offer. Line of Credit rates adjust to a Prime Rate APR1 after the promotion period based on an evaluation of applicant credit; not all applicants will qualify for the lowest rate. A minimum monthly Direct Deposit of $500 must be in place or established within 60 days of the LOC open date to qualify for this promotional Line of Credit.
**Minimum loan is $500, and the maximum loan is $5,000 and is a revolving line of credit. Additionally, Apple FCU offers a $500 guaranteed Line of Credit for applicants that meet our minimum eligibility requirements; not all applicants will qualify.
1APR = Annual Percentage Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate
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 6.75 to 17.99%, 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%.
*APR = Annual Percentage Rate as of 01/01/2026 only available for the first 12 months of promotional offer. Line of Credit rates adjust to a Prime Rate APR1 after the promotion period based on an evaluation of applicant credit; not all applicants will qualify for the lowest rate. A minimum monthly Direct Deposit of $500 must be in place or established within 60 days of the LOC open date to qualify for this promotional Line of Credit.
**Minimum loan is $500, and the maximum loan is $5,000 and is a revolving line of credit. Additionally, Apple FCU offers a $500 guaranteed Line of Credit for applicants that meet our minimum eligibility requirements; not all applicants will qualify.
1APR = Annual Percentage Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate
Educator±
Features
- Created exclusively for educators
- Credit Lines up to $35,000
- Low Introductory Rates2
- No Payments During Summer Months3
Ask a Question
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Contact Numbers
Agreements
Disclosure & Fees
Protection Package
1APR = Annual Percentage Rate. As of date 6/22/2026 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. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars.
23.99% 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.
3 Educator Visa account must be in good standing (no past due balances or over limit). Interest will continue to accrue.
±Educator Visa Eligibility: Applicants must be currently employed by an Apple Federal Credit Union Select Employee Group School System: Clarke County, Fairfax, Falls Church, Frederick County, Loudoun County, Manassas City, Manassas Park, Prince William and Stafford AND have a minimum $500 Direct Deposit.
23.99% 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.
3 Educator Visa account must be in good standing (no past due balances or over limit). Interest will continue to accrue.
±Educator Visa Eligibility: Applicants must be currently employed by an Apple Federal Credit Union Select Employee Group School System: Clarke County, Fairfax, Falls Church, Frederick County, Loudoun County, Manassas City, Manassas Park, Prince William and Stafford AND have a minimum $500 Direct Deposit.
Educator Mortgage Program
Designed for those who help the community most, we’re here to help you save. Whether you’re buying for the first time, refinancing or hoping to tap into your home’s equity, we have loan options for you.
Features
- Low or no down payment (up to 100% Combined Loan-to-Value (CLTV))
- Rate can adjust once every 5 years
- Reduced Private Mortgage Insurance (PMI)
- No prepayment penalties
You've spent your life serving others—now let us serve you with exclusive mortgage rates and personalized guidance from start to finish; click here to learn more.
EdVantage
Whether you're a teacher, bus driver, cafeteria staffer, administrator or work in operations, this high-yield savings account helps you save smarter for your future, especially when it comes to continuing education, certifications or future goals.
Features
- Exclusive to education community
- Premium rate up to $10,000
- No minimum balance or monthly fees
- Unlimited withdrawals
- Direct deposit minimum of $500/month* required to qualify
Open in just 2 clicks!
Click Savings/Club Accounts under Add a Product in Apple FCU Online or Mobile App, and then click Open next to your desired account.
*APY = Annual Percentage Yield. Rates are subject to change without notice. Premium rate earned on balances up to $10,000 when a minimum direct deposit of $500 per month to any Apple FCU Checking or Savings account. Balances over $10,000, and accounts without qualifying direct deposit, will earn the Regular Savings rate. EdVantage eligibility includes any school system employee in the United States of America who qualifies for membership. Read full disclosure. All rates are effective as of 6/22/2026.
Summer Pay
Earn a premium savings rate that's paid out in the summer months when you may not be in the classroom.
Features
- Educator exclusive
- Create your own pay program for summer
*APY = Annual Percentage Yield. APY is subject to change without notice. No minimum required balance required to earn dividends. Penalty may be imposed for early withdrawal; fees could reduce earnings. All rates are effective as of 6/22/2026.
Added for comparison
Get Your Paycheck Up to 2 Days Early*
Sign up for Apple Direct Deposit with your school system, and you’ll have your funds up to 2 days** ahead of your official "payday" – no cost and no catch.
*Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Apple Federal Credit Union and Apple Financial Services LLC are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Apple Financial Services LLC, and may also be employees of Apple Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Apple Federal Credit Union or Apple Financial Services LLC. Securities and insurance offered through LPL or its affiliates are:
Not Insured by NCUA or Any Other Government Agency | Not Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value
Not Insured by NCUA or Any Other Government Agency | Not Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value
Plan for Retirement
Apple's Financial Advisors* know the ins and outs of your school system's retirement plan. In fact, we specialize in Virginia Retirement Services and Social Security. Let Apple Financial Services, LLC help you with smart money strategies, no matter your experience level.
*Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Apple Federal Credit Union and Apple Financial Services LLC are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Apple Financial Services LLC, and may also be employees of Apple Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Apple Federal Credit Union or Apple Financial Services LLC. Securities and insurance offered through LPL or its affiliates are:
Not Insured by NCUA or Any Other Government Agency | Not Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value
Not Insured by NCUA or Any Other Government Agency | Not Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value
The Apple FCU Financial Fairy is Here to Help
The Financial Fairy is dropping by to assist educators with their financial needs.
More Helpful Resources
Apply to be a 2026 Apple Scholar
Apply before March 15, 2026 to be considered for our Apple Scholars Scholarship Program!
