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Savings Blossom with up to 4.10% APY

Save Comfy with Rates as High as 4.00% APY*

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Supercharge Your Savings with Certificates

Header Certificates

Supercharge Your Savings with Certificates

At Apple FCU, we are dedicated to helping you achieve your financial goals. Our Certificates are perfect if you’re looking for a secure and reliable way to grow your savings. From Starter Certificates to Jumbo Certificates, we can help you unlock steady growth and guaranteed returns.

All Apple Saving Accounts Feature

Competitive Dividend Rates

Guaranteed Returns

Monthly Dividends

NCUA Insured

Bonus Certificate

Keep your eye out for our limited-time Bonus Certificates! Be sure to take advantage while they last.

Features

  • Minimum deposit: $500

Maximum APY*

4.00 %

View All Rates

 

Already an Apple member?

Start saving better within Apple FCU Online!

 

Click Certificate (New Money Only) or Certificate (New or Existing Funds) under Add a Product in Apple FCU Online or Mobile App, and then click Open next to your desired account.

Ask a Question
*APY = Annual Percentage Yield. APY is subject to change without notice. Unless you notify us otherwise, at the end of the term the 5-month Certificate will automatically renew as a 6-month Certificate, at the rate in effect at that time. Penalty may be imposed for early withdrawal; fees could reduce earnings. All rates are effective as of 6/22/2026.

 

12-Month Starter Certificate

Don't let a lack of existing savings hold you back. Your journey begins with your first step on a steady path towards financial security.

Features

  • Low, $50 minimum opening balance
  • Add additional funds at any time up to $5,000 maximum
  • One Starter Certificate per membership


Start saving better within Apple FCU Online!

Click Certificate (New or Existing Funds) under Add a Product in Apple FCU Online or Mobile App, and then click Open next to your desired account

Ask a Question
*APY = Annual Percentage Yield as of 6/22/2026 for a 12-month Starter Certificate; subject to change at any time. Required minimum deposit of $50; maximum $5,000. Additional deposits are permitted at any time until maturity, up to the maximum. 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 over 6 months to 60 months – the lesser of dividends earned since issuance or renewal or 180 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. See Starter Certificate Disclosure for complete terms.

No Penalty Certificate

Enjoy great rates and guaranteed savings with the flexibility of a penalty-free withdrawal with this limited-time Certificate.

Features

  • Minimum deposit: $500
  • Term: 11 months
  • No-penalty withdrawal permitted during the term*


Start saving better within Apple FCU Online!

Click Certificate (New or Existing Funds) under Add a Product in Apple FCU Online or Mobile App, and then click Open next to your desired account.

Ask a Question
*APY = Annual Percentage Yield as of 6/22/2026 for a limited time, 11-month Regular or Commercial No Penalty Certificate; subject to change at any time. Required minimum deposit of $500. A penalty will not be imposed for the first withdrawal, but subsequent withdrawals may impose a penalty. To request your one no-penalty withdrawal, visit any branch or call 703-788-4800. If the Certificate is redeemed prior to the maturity date the following penalty will apply: If the term is over 6 months to 60 months – the lesser of dividends earned since issuance or renewal or 180 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. See No Penalty Disclosure for complete terms.

Regular Certificate

Elevate your savings strategy with this secure, lucrative option, terms from 6-120 months.

Features

  • Minimum deposit: $500

Maximum APY8

3.70 %

View All Rates

Start saving better within Apple FCU Online!

Click Certificate (New or Existing Funds) under Add a Product in Apple FCU Online or Mobile App, and then click Open next to your desired account.

Ask a Question
*APY = Annual Percentage Yield. APY is subject to change without notice. Penalty may be imposed for early withdrawal; fees could reduce earnings. All rates are effective as of 6/22/2026.

Regular IRA Certificate

Crafted exclusively for Individual Retirement Accounts (IRAs), this Certificate helps you achieve your financial goals, terms from 6-120 months.

Features

  • Minimum deposit: $500

Maximum APY*

3.70 %

View All Rates

  1. Click IRA under Add a Product in Apple FCU Online or Mobile App.
  2. Click Open An IRA on the Retirement Central page.
  3. Select your desired IRA type and click Next to be taken to the application.
Ask a Question
*APY = Annual Percentage Yield. APY is subject to change without notice. Penalty may be imposed for early withdrawal; fees could reduce earnings. All rates are effective as of 6/22/2026.

Jumbo Certificate

For those seeking more substantial growth potential, our Jumbo Certificate offers an exceptional opportunity to maximize your returns; IRA available. 12-, 36- and 60-month options.

Features

  • Minimum deposit: $50,000

Maximum APY*

3.75 %

View All Rates

Start saving better within Apple FCU Online!

Click Certificate (New or Existing Funds) under Add a Product in Apple FCU Online or Mobile App, and then click Open next to your desired account.

Ask a Question
*APY = Annual Percentage Yield. APY is subject to change without notice. All rates are effective as of 6/22/2026.

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Estimate Your Certificate Potential

Whether you're a seasoned saver or new to Certificates, our Savings at Maturity Calculator is the perfect tool to help you make informed decisions about your financial future. Start calculating your Certificate's potential today and watch your savings grow!

Calculate Your Returns

Why Choose Apple FCU’s Certificates

Competitive Rates

Competitive Rates

Enjoy some of the highest dividend rates available in the market, and watch your money grow steadily and predictably.

Safety and Security

Safety and Security

Your investment is protected by the National Credit Union Administration (NCUA) up to $250,000. Rest easy knowing your hard-earned money is in trusted hands.

Flexible Terms

Flexible Terms

Whether you're saving for a short-term goal, building an emergency savings or planning for the long haul, we have the right Certificate for you. Select from a variety of terms to fit your unique financial objectives.

Open and Fund Your Certificate in Minutes

  • Log In

    Log In. Don’t have an Apple FCU account? Join today!

  • Add a Product

    Use Add a Product to select Certificate (New Money Only) or Certificate (New or Existing Funds).

  • Open Certificate

    Manage your certificate in Apple FCU Online or our Mobile App!

We'd be happy to assist you in a branch, by video appointment or by phone, too.

More Helpful Resources

Warm Up Your Wallet with 4.00% APY*

Warm Up Your Wallet with 4.00% APY*

Make waves with your money this summer.


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Laddering: Understanding the Ultimate Certificate Strategy

Laddering: Understanding the Ultimate Certificate Strategy

Discover the benefits of laddering and learn how to boost your earnings.


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NCUA Account Insurance

NCUA Account Insurance

Peace of mind that your funds are insured up to $250,000.


Learn More
Retirement Planning

Retirement Planning

Plan for a secure and comfortable retirement with Apple.


Learn More