What are the current interest rates at Apple Bank for Savings?

Current rates for Apple Bank for Savings include: 12-Month CD: 1.50%, 18-Month CD: 1.25%, 24-Month CD: 1.25%, 36-Month CD: 1.25%, 60-Month CD: 1.25%, Savings: 5.00%, MMA: 3.55%

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Apple Bank for Savings

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Apple Bank for Savings Rates & Review October 2026

Q: How many branches does Apple Bank for Savings operate?

Apple Bank for Savings currently maintains approximately 79 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Apple Bank for Savings's top rates as of October 12, 2026 are 3.00% APY on its 1-Year 1 Year Certificate, 5.00% APY on savings, 3.55% APY on money market accounts, and 2.00% APY on checking, according to rates verified by MonitorBankRates. Other Apple Bank for Savings CD rates include 6-Month 6-Month Certificate at 3.00%, 7-Month 7-Month Certificate at 3.00%, and 7-Month Term CD at 3.00%. 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 4.67%. Rates last updated and verified on 10/12/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.67%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Apple Bank

122 E 42nd St
New York, NY 10168

https://www.applebank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Apple Bank for Savings CD Rates

Product	Rate	APY	Term
1 Year Certificate	2.95%	3.00%	1-Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
6 Month Certificate	2.95%	3.00%	6-Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
7 Month Certificate	2.95%	3.00%	7-Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
7 Month Term CD	-	3.00%	7 Month
Min Deposit $1,000 Details Annual Percentage Yield (APY) stated is effective as of October 1, 2026, and may be changed by the Bank at any time. Rate does not apply to IRA and Business CD accounts. CDs require a $1,000.00 minimum deposit to open and earn the stated APY. Early withdrawal penalty may apply. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
9 Month Certificate	2.95%	3.00%	9-Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
3 Month Certificate	2.71%	2.75%	3-Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
15 Month Certificate	2.47%	2.50%	15-Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
18 Month Certificate	2.47%	2.50%	18-Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
2 Year Certificate	2.47%	2.50%	2-Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
3 Year Certificate	2.47%	2.50%	3-Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
5 Year Certificate	2.47%	2.50%	5-Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Retirement - Certificates of Deposit - 1-Year	1.48%	1.50%	1-Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Retirement - Certificates of Deposit - 3-Month	1.48%	1.50%	3-Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Retirement - Certificates of Deposit - 6-Month	1.48%	1.50%	6-Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Retirement - Certificates of Deposit - 9-Month	1.48%	1.50%	9-Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Retirement - Certificates of Deposit - 15-Month	1.24%	1.25%	15-Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Retirement - Certificates of Deposit - 18-Month	1.24%	1.25%	18-Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Retirement - Certificates of Deposit - 2-Year	1.24%	1.25%	2-Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Retirement - Certificates of Deposit - 3-Year	1.24%	1.25%	3-Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Retirement - Certificates of Deposit - 5-Year	1.24%	1.25%	5-Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

Apple Bank for Savings Savings Rates

Product	Rate	APY
Apple Bank SmartStart Savings Account	4.88%	5.00%
Min Deposit $1 Min Balance $1 Details Balance: $1.01 - $10,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
My Reserve Savings Account	3.92%	4.00%
Min Deposit $1,000 Min Balance $1 Details Balance: $1-$49,999.99; New Money Only Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
My Reserve Savings Account	3.92%	4.00%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$250,000; New Money Only Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
My Reserve Savings Account	3.92%	4.00%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.01-$1,000,000; New Money Only Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Simple Savings Account Preferred Rate	3.48%	3.55%
Min Deposit $100 Min Balance $1 Details Balance: $1 - $49,999 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Simple Savings Account Preferred Rate	3.48%	3.55%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 - $249,999 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Simple Savings Account Preferred Rate	3.48%	3.55%
Min Deposit $100 Min Balance $250,000 Details Balance: $250,000 - $999,999 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Simple Savings Account Preferred Rate	3.48%	3.55%
Min Deposit $100 Min Balance $1,000,000 Details Balance: $1,000,000 or more Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Simple Savings	2.98%	3.03%
Min Deposit $100 Min Balance $1 Details Balance: $1.00+ (standard rate; preferred Simple Banking Program rate up to 3.55% APY) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Simple Savings Account	2.98%	3.03%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 - $249,999; OPEN ONLINE Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Simple Savings Account	2.98%	3.03%
Min Deposit $100 Min Balance $250,000 Details Balance: $250,000 - $999,999; OPEN ONLINE Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Simple Savings Account	2.98%	3.03%
Min Deposit $100 Min Balance $1,000,000 Details Balance: $1,000,000 or more; OPEN ONLINE Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Bank Core Savings Account	1.24%	1.25%
Min Deposit $250 Min Balance $1 Details Balance: $1 - $49,999 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 1.25% ▼ 2.30 pts · high 3.55% / low 1.25% Sep 24, 20261.25%▼ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Bank Core Savings Account	1.24%	1.25%
Min Deposit $250 Min Balance $50,000 Details Balance: $50,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Bank Core Savings Account	1.24%	1.25%
Min Deposit $250 Min Balance $250,000 Details Balance: $250,000.00 - $999,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Bank Core Savings Account	1.24%	1.25%
Min Deposit $250 Min Balance $1,000,000 Details Balance: $1,000,000.00 or more Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Bank Savings Account	0.01%	0.01%
Min Deposit $100 Min Balance $250 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Grand Yield Savings Account	0.01%	0.01%
Min Deposit $100 Min Balance $1 Details Balance: $1 - $2,499 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Grand Yield Savings Account	0.01%	0.01%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Grand Yield Savings Account	0.01%	0.01%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Grand Yield Savings Account	0.01%	0.01%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Grand Yield Savings Account	0.01%	0.01%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 or more Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
My Reserve Savings Account	0.01%	0.01%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000.01 or more; New Money Only Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Premium Savings Account	0.01%	0.01%
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Premium Savings Account	0.01%	0.01%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 - $24,999 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Premium Savings Account	0.01%	0.01%
Min Deposit $5,000 Min Balance $25,000 Details Balance: $25,000 - $49,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Premium Savings Account	0.01%	0.01%
Min Deposit $5,000 Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Retirement Savings Account	0.01%	0.01%
Min Deposit $5 Min Balance $5 Details Balance: $5 - $999,999,999 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Super Savings Account	0.01%	0.01%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 - $24,999 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Super Savings Account	0.01%	0.01%
Min Deposit $5,000 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Super Savings Account	0.01%	0.01%
Min Deposit $5,000 Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Super Savings Account	0.01%	0.01%
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

Apple Bank for Savings Money Market Rates

Product	Rate	APY
Apple Choice Money Market Account Preferred Rate	3.48%	3.55%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 - $49,999.99; Preferred Rate; Apple Choice Banking Program Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Choice Money Market Account Preferred Rate	3.48%	3.55%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 or more; Preferred Rate; Apple Choice Banking Program Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Choice Money Market - Preferred	3.48%	3.55%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Choice Money Market Account	2.98%	3.03%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Choice Money Market Account	2.98%	3.03%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 or more Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Choice Money Market	2.98%	3.03%
Details Preferred Rate: 3.48%; Preferred APY: 3.55% Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 3.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Treasury Bill Indexed Money Market Account	2.69%	2.73%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.61% → 2.73% ▲ 0.12 pts · high 2.73% / low 2.61% Oct 3, 20262.73%▲ from 2.61% Sep 14, 20262.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Treasury Bill Indexed Money Market Account	2.31%	2.34%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.23% → 2.34% ▲ 0.11 pts · high 2.34% / low 2.23% Oct 3, 20262.34%▲ from 2.23% Sep 14, 20262.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Treasury Bill Indexed Money Market Account	1.92%	1.94%
Min Deposit $10,000 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.86% → 1.94% ▲ 0.08 pts · high 1.94% / low 1.86% Oct 3, 20261.94%▲ from 1.86% Sep 14, 20261.86%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Advantage Money Market Account	1.48%	1.50%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Advantage Money Market Account	1.48%	1.50%
Min Deposit $10,000 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Advantage Money Market Account	1.48%	1.50%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Advantage Money Market Account	1.48%	1.50%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000 - $499,999 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Apple Advantage Money Market Account	1.48%	1.50%
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000 or more Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Account	0.01%	0.01%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 - $24,999 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Account	0.01%	0.01%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Account	0.01%	0.01%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 - $74,999 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market Account	0.01%	0.01%
Min Deposit $100 Min Balance $75,000 Details Balance: $75,000 or more Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

Apple Bank for Savings Checking Rates

Product	Rate	APY
Choice Checking Account	1.98%	2.00%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 or more Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Simple Checking Account	1.00%	1.01%
Min Deposit $100 Min Balance $1 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

Apple Bank for Savings Other Rates

Product	Rate	Points	APY/APR	Term	View More
Simple Savings Account	2.98%	-	3.03%
Min Deposit $100 Min Balance $1 Details Balance: $1 - $49,999; OPEN ONLINE Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Apple Bank for Savings’s Texas Ratio rose from 1.53% in Q3 2023 to 4.67% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$19.9B	4.67%	5.0	A+
March 31, 2026	$19.2B	5.17%	5.0	A+
December 31, 2025	$19.2B	5.43%	5.0	A+
September 30, 2025	$18.8B	5.81%	5.0	A+
June 30, 2025	$18.3B	5.87%	5.0	A+
March 31, 2025	$17.9B	6.29%	5.0	A
December 31, 2024	$17.5B	6.80%	5.0	A
September 30, 2024	$17.1B	6.77%	5.0	A
June 30, 2024	$17.0B	9.17%	5.0	A
March 31, 2024	$17.0B	9.64%	5.0	A
December 31, 2023	$17.0B	1.45%	5.0	A+
September 30, 2023	$16.9B	1.53%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 MyBankingDirect.com

Bank Holding Company APPLE FINANCIAL HOLDINGS INC

Address 122 E 42nd St, New York, NY 10168 · New York

Website https://www.applebank.com

FDIC Certificate # 16068

Established 18630417

FDIC Insurance Date 19430701

Domestic Offices 79

Total Branches 79

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.67%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3939%

Return on Equity (ROE) 4.8300%

Non-Performing Loans (NPL) 0.38%

Total Assets $19,887,242,000

Total Deposits $16,131,471,000

Equity Capital $1,603,026,000

Net Income $38,302,000

Headquarters New York

Total Branches and Offices 79

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Apple Bank for Savings earned the Verified Healthy badge

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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 79 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.