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Apple Bank for Savings Rates & Review August 2026

Apple Bank for Savings's 1 Year Term CD rates are at 3.00%, 1-Year CD rates are at 3.00%, 6-Month CD rates are at 3.00%, 7-Month Term CD rates are at 3.00%, 7-Month CD rates are at 3.00%. Apple Bank for Savings's savings rates are at 0.00%. Apple Bank for Savings's money market rates are at 0.01%. 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 last updated and verified on 08/28/2026.

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
1 Year Term CD - 3.00% 1 Year
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
1-Year CD 2.95% 3.00% 1-Year
Min Deposit $1,000
Details Visit your nearest branch to open an account
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
6-Month CD 2.95% 3.00% 6-Month
Min Deposit $1,000
Details Visit your nearest branch to open an account
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
7 Month Term CD - 3.00% 7 Month
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
7-Month CD 2.95% 3.00% 7-Month
Min Deposit $1,000
Details Visit your nearest branch to open an account
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
9-Month CD 2.95% 3.00% 9-Month
Min Deposit $1,000
Details Visit your nearest branch to open an account
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
3-Month CD 2.71% 2.75% 3-Month
Min Deposit $1,000
Details Visit your nearest branch to open an account
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
15 Month Term CD - 2.50% 15 Month
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
15-Month CD 2.47% 2.50% 15-Month
Min Deposit $1,000
Details Visit your nearest branch to open an account
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
18-Month CD 2.47% 2.50% 18-Month
Min Deposit $1,000
Details Visit your nearest branch to open an account
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
2-Year CD 2.47% 2.50% 2-Year
Min Deposit $1,000
Details Visit your nearest branch to open an account
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
3-Year CD 2.47% 2.50% 3-Year
Details Rates and Terms shown are for CDs opened or renewed online only. Minimum to open is $1,000.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
5-Year CD 2.47% 2.50% 5-Year
Min Deposit $1,000
Details Visit your nearest branch to open an account
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
3-Month CD 1.48% 1.50% 3-Month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
15-Month CD 1.24% 1.25% 15-Month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%

Apple Bank for Savings Savings Rates

Product Rate APY View More
Apple Bank SmartStart Savings Account 4.88% 5.00%
Min Deposit $1
Min Balance $1
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Apple Bank Core Savings Account 3.48% 3.55%
Min Balance $1
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Simple Savings 3.48% 3.55%
Details Earn a preferred rate with the Simple Banking Program.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Simple Savings Account Preferred Rate 3.48% 3.55%
Min Deposit $100
Min Balance $1
Details Simple Banking Program
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Simple Savings 2.98% 3.03%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Statement Savings 2.98% 3.03%
Min Balance $1
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Apple Bank SmartStart Savings Account 0.75% 2.87%
Min Deposit $1
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Retirement Savings Account 1.48% 1.50%
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Apple Bank Core Savings Account 1.24% 1.25%
Min Deposit $250
Min Balance $1
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Apple Bank Savings Account 0.01% 0.01%
Min Balance $250
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Grand Yield Savings Account 0.01% 0.01%
Min Balance $1
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Premium Savings Account 0.01% 0.01%
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Retirement Savings Account 0.01% 0.01%
Min Balance $5
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Savings 0.01% 0.01%
Min Balance $250
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Super Savings Account 0.01% 0.01%
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Retirement Savings Account 0.00% 0.00%
Min Balance $0
Last Updated 08/28/2026
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
Apple Choice Money Market Account Preferred Rate 3.48% 3.55%
Min Deposit $100
Min Balance $2,500
Details Apple Choice Banking Program
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Choice Money Market - Preferred 3.48% 3.55%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Choice Money Market Account - 3.55%
Details Qualifications Required: Premier tier requirements met; Primary or Secondary Owner of one or more Choice Money Market accounts; five (5) Qualifying Credit and/or Debit Transactions of at least $25 per transaction in Choice Checking account during each monthly statement cycle; maintain a minimum balance of $2,500 in at least one of the Choice Money Market accounts on the evaluation date.; Preferred rate is one-half of one percent (0.50%) higher than the standard interest rate. Earned when Premier tier requirements and Elite tier requirements are met.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Treasury Bill Indexed Money Market Account 3.48% 3.55%
Min Balance $2,500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Apple Choice Money Market Account 2.98% 3.03%
Min Deposit $100
Min Balance $2,500
Last Updated 08/28/2026
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 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Treasury Bill Indexed Money Market - 2.54%
Min Balance $100,000
Details 70% of the indexed rate
Last Updated 08/28/2026
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 08/28/2026
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 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Apple Advantage Money Market Account 1.48% 1.50%
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Choice Money Market Account 0.50% 0.50%
Details Qualifications Required: Meet the requirements in the Premier tier; AND Are the primary or secondary owner of an Apple Bank Choice Money Market Account; AND Conduct five (5) Qualifying Credit and/or Debit Transactions of at least $25.00 per transaction in your Apple Bank Choice Checking Account during each monthly statement cycle; AND Maintain a Minimum Balance of $2,500.00 in the Apple Bank Choice Money Market Account on the evaluation date.; Elite tier; preferred interest rate of one-half of one percent (0.50%) above the posted interest rate for the month following evaluation period.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Money Market Account 0.01% 0.01%
Min Balance $2,500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%

Apple Bank for Savings Checking Rates

Product Rate APY View More
Choice Checking - Preferred 3.48% 3.55%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Choice Checking 2.98% 3.03%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Choice Checking Account 1.98% 2.00%
Min Deposit $100
Min Balance $2,500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.54%
Simple Checking 1.00% 1.01%
Min Balance $1
Details Interest is earned on daily balances of $1.00 or more at 1.00% interest rate and 1.01% APY. 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 08/28/2026
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

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Total Reviews
0
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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%
  • Savings0.00%
  • MMA0.01%
Retrieved from our database of financial products. Rates subject to change.