Apple FCU

Get an A+ in Personal Finance

We majored in better banking so you can make great decisions about your money. Our eXtras Student Checking, Savings and Credit Card are designed to teach you the basics of managing your money and help you grow your money from the start.

All Student Product Features

Exclusive to Members 23 and Younger¹

eStatements

Online & Mobile Banking

¹eXtras Student Credit Card is available to members aged 18 to 25. Proof of income, or a qualified co-applicant required for student applicants under age 21.

eXtras Student Checking

eXtras Student Checking lays the foundation of solid money management for youth 12-23 years old^* with low to no fees.

Features

No monthly service fees
No minimum balance requirements
FREE eStatements
FREE Apple ATMs

Ask a Question Schedule Video Appointment Terms & Fees

*A Joint Owner(s) (18 or older) who is an Apple FCU member is required on minor accounts until the youth reaches 18 years of age.

eXtras Student Savings

This high-dividend savings account is specially designed for members age 23 and younger.^**

Features

Earn a premium dividend on balances up to $1,500^†
No monthly service fees
No minimum account balance
As a joint owner, parents have complete access to the account.

Dividend APY*

3.00 %

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^*APY = Annual Percentage Yield. APY is subject to change without notice. No minimum required. All rates are effective as of 6/22/2026.
^† Balances over $1,500 will earn our Regular Savings dividend APY.
^**A Joint Owner(s) (18 or older) who is an Apple FCU member is required on minor accounts until the youth reaches 18 years of age.

Student

Features

For members, ages 18 to 25²
Credit Lines up to $1,500
Fixed-Rate

APR¹ as low as

9.90 %

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Ask a Question Schedule Video Appointment Prequalify Me, No Score Impact 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.
²Members may retain the card for six (6) years or until age 25, whichever comes first. Proof of income, or a qualified co-applicant required for student applicants under age 21.

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Start Small, Save Big with Our 12-month Starter Certificate

We understand that as a student, every dollar counts. That's why we've made it easy for you to get started on your savings goals with our 12-month Starter Certificate!

With a minimum opening balance of $50, this Certificate lets you add funds at any time and earn competitive rates on your savings up to $5,000.

Start Saving

Apply to Be an Apple Scholar

Apple FCU is dedicated to improving lives and fulfilling dreams. One way we achieve this is through our Apple Scholars scholarship program.

Each year, we award 25 deserving high school seniors with $3,000 to attend the college or university of their choice. Learn more about how you can become one of Apple FCU's Apple Scholars.

Learn More

Get Your Paycheck Up to 2 Days Early

What's better than "payday?" Getting your paycheck 2 days early^*!

Sign up for Apple Direct Deposit with your job, and you'll get your money up to 2 days^* ahead of your official "payday" – no cost and no catch.

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^*The timing of early pay Direct Deposit varies based on the payment file submission from the payee. Apple FCU may make payroll and other electronic transfers available when the payment file is received, up to two (2) business days earlier than the scheduled payment date. Please note that funds are not available for you to spend until they are reflected in the AVAILABLE BALANCE. You should not rely on early pay Direct Deposit to satisfy the needs of scheduled bill or loan payments, or any other date-sensitive financial obligations. Apple FCU is not responsible for overdraft fees resulting from transactions that occur prior to funds posting.

Stay Ahead of the Curve with Apple’s Education SuperSaver

Saving for your child’s education is serious stuff. With a minimum opening deposit of $5 and higher dividend payouts, our Education SuperSaver account makes saving for an education seriously easy.

Learn More

Financial Topics Made Easy for Kids

Our articles make explaining financial topics easy and fun! Discover practical tips on discussing money with your kids, resources to build their financial skills and clear explanations for even the trickiest concepts.