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Apple Bank for Savings Rates & Review June 2026

Apple Bank for Savings's 6-Month to 12-Month Special CD Offer rates are at 4.00%, 1-Year CD rates are at 3.00%, 1-Year Certificate of Deposit rates are at 3.00%, 6-Month CD rates are at 3.00%, 6-Month Certificate of Deposit rates are at 3.00%. Apple Bank for Savings's savings rates are at 5.00%. Apple Bank for Savings's money market rates are at 1.81%. MonitorBankRates evaluates the financial stability of Apple Bank for Savings with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.54%. Rates were last updated on 06/16/2026.

Apple Bank for Savings money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Apple Bank for Savings? Share your experience about Apple Bank for Savings by leaving a review below, or read customer reviews before you decide to use Apple Bank for Savings.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.54%
Excellent Lower than avg
Apple Bank
122 E 42nd St
New York, NY 10168
https://www.applebank.com
Member FDIC

Apple Bank for Savings CD Rates

Product Rate APY Term View More
6 Month to 12 Month Special CD Offer - 4.00% 6 Month to 12 Month
Min Deposit $25,000
Details In-branch account opening only. New money only.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
1-Year CD 2.95% 3.00% 1-Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
1-Year Certificate of Deposit 2.95% 3.00% 1-Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
6-Month CD 2.95% 3.00% 6-Month
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
6-Month Certificate of Deposit 2.95% 3.00% 6-Month
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
7-Month CD 2.95% 3.00% 7-Month
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
7-Month Certificate of Deposit 2.95% 3.00% 7-Month
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
9-Month CD 2.95% 3.00% 9-Month
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
9-Month Certificate of Deposit 2.95% 3.00% 9-Month
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
3-Month CD 2.71% 2.75% 3-Month
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
3-Month Certificate of Deposit 2.71% 2.75% 3-Month
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
15-Month CD 2.47% 2.50% 15-Month
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
15-Month Certificate of Deposit 2.47% 2.50% 15-Month
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
18-Month CD 2.47% 2.50% 18-Month
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
18-Month Certificate of Deposit 2.47% 2.50% 18-Month
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
2-Year CD 2.47% 2.50% 2-Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
2-Year Certificate of Deposit 2.47% 2.50% 2-Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
3-Year Certificate of Deposit 2.47% 2.50% 3-Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
5-Year CD 2.47% 2.50% 5-Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
5-Year Certificate of Deposit 2.47% 2.50% 5-Year
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%

Apple Bank for Savings Savings Rates

Product Rate APY View More
SmartStart Savings - 5.00%
Details For ages up to 25. On balances up to $10,000.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%

Apple Bank for Savings Money Market Rates

Product Rate APY View More
Choice Money Market 3.48% 3.55%
Details Preferred
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Choice Money Market 2.98% 3.03%
No additional details.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Treasury Bill Indexed Money Market - 2.55%
Min Balance $100,000
Details 70% of the indexed rate
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Treasury Bill Indexed Money Market - 2.18%
Min Balance $50,000
Details 60% of the indexed rate
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Treasury Bill Indexed Money Market - 1.81%
Min Balance $25,000
Details 50% of the indexed rate
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%

Apple Bank for Savings Checking Rates

Product Rate APY View More
Simple Checking Account 1.00% 1.01%
Min Balance $1
Details No monthly maintenance fees. No ATM fees - ever! *There is no fee for using your Apple Bank Visa Debit Card to make cash withdrawals at domestic non-Apple Bank ATMs or international ATMs. A 2% surcharge will be applied to foreign transactions. In addition, Apple Bank will reimburse ATM surcharge fees charged by the ATM owner/operator during each statement cycle period. **Annual Percentage Yield (APY) disclosed is effective as of November 21, 2023 and may be changed by the Bank at any time, including after account opening.
Last Updated 06/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Apple Bank for Savings is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Apple Bank for Savings rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Apple Bank for Savings's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Apple Bank for Savings
Bank Holding Company APPLE FINANCIAL HOLDINGS INC
Address 122 E 42nd St, New York, NY 10168  ·  New York
FDIC Certificate # 16068
Established 04/17/1863
FDIC Insurance Date 07/01/1943
Domestic Offices 82
Total Branches 82
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 99/100
5.0
Exceptional Out of 5.0 Stars
1.54%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.7647%
Return on Equity (ROE) 9.6200%
Non-Performing Loans (NPL) 0.11%
Total Assets $19,220,381,000
Total Deposits $15,709,760,000
Equity Capital $1,577,446,000
Net Income $62,959,000
Headquarters New York
Total Branches and Offices 82
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

Average Rating
★★★★★
Total Reviews
1
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Frequently Asked Questions About Apple Bank for Savings

How many branches does Apple Bank for Savings operate?

Apple Bank for Savings currently maintains approximately 82 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Apple Bank for Savings does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Apple Bank for Savings provides members with tools to manage their accounts and build a solid financial history.

Does Apple Bank for Savings offer online and mobile banking?

Most modern institutions like Apple Bank for Savings provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.applebank.com.

Current Apple Bank for Savings Rates

  • 12-Month CD3.00%
  • 18-Month CD2.50%
  • 24-Month CD2.50%
  • 36-Month CD2.50%
  • 60-Month CD2.50%
  • Savings5.00%
  • MMA1.81%
Retrieved from our database of financial products. Rates subject to change.