Simple Savings

¹ Annual Percentage Yields (APYs) disclosed are effective as of June 1, 2026, and may be changed at any time at the Bank’s discretion, including after account opening. Checking and savings interest is compounded daily and paid monthly. Fees may reduce earnings. Please refer to individual product pages for additional details and disclosures.

² Rates reflect the Simple Banking Program preferred interest rates and APYs. You will be automatically enrolled in the Simple Banking Program once you have established a Simple Checking account in addition to your existing Simple Savings account (benefit account). Customers meeting the monthly transaction requirements will be eligible to receive a rate that is one-half of one percent (0.50%) higher (preferred rate) than the then current interest rate in effect for the Simple Savings Account(s). The Primary owner of the Simple Checking account must be a Primary or Secondary owner of the Simple Savings Account (benefit account) and complete five (5)  qualifying credit and/or debit transactions (minimum $25.00 per transaction) per month for the account to be eligible to receive the preferred interest rate. If you do not meet the qualification requirements in any monthly evaluation period, the preferred interest rate will be reduced to the then current Simple Savings interest rate in effect on the day after evaluation date. The Simple Banking Program allows for one (1) Simple Checking account which may be linked to multiple Simple Savings accounts for the purpose of receiving the preferred interest rate when the required activity in your Simple Checking account is met. Review the Simple Savings product page for full details on the Simple Banking Program.

³ Rates reflect the Apple Choice Banking^® Program preferred interest rates and APYs. You must maintain a minimum daily balance of $2,500.00 in your account each day to earn the stated APY.  When you have an Apple Bank Choice Checking account, you are automatically enrolled in the Apple Choice Banking^® Program in the Standard tier. To qualify for the Premier tier, you must be the primary owner of the Apple Bank Choice Checking account and meet at least one of the following requirements during the monthly evaluation period: (i)  Maintain a minimum daily balance of at least $2,500 in the Choice Checking account for every day of the month; or (ii) receive at least one (1) qualifying ACH deposit (of any dollar amount) during the month in your Choice Checking account; or (iii) enroll in paperless statement for the Choice Checking account.  If you meet any one of these requirements, your Choice Checking account monthly maintenance fee will be waived for that month.  

To qualify for the Elite Tier and receive the preferred rate on the Apple Bank Choice Money Market account, the following additional requirements must all be met: (i) The primary owner of the Choice Checking account must also be the primary or secondary owner of the Choice Money Market account; and (ii) you complete at least five (5) Qualifying Credit and/or Debit transactions of at least $25.00 per transaction in your Choice Checking Account during each monthly statement cycle and; (iii) you maintain a minimum balance of $2,500.00 in the Choice Money Market account on the evaluation date you qualify to earn a preferred rate that is one-half of one percent (0.50%) higher than the current interest rate in effect for the Choice Money Market Account. The preferred rate becomes effective the day following the monthly evaluation date and remains in effect until the next evaluation date. If you do not meet the qualification requirements during the monthly evaluation period, the preferred interest rate will be reduced to the current Apple Bank Choice Money Market Account interest rate in effect on the day after evaluation date. The Apple Choice Banking Program^® allows for one (1) or more Choice Checking accounts that may be linked to multiple Choice Money Market accounts for the purposes of receiving the preferred rate where qualifying criteria are met monthly. Review the Choice Money Market product page for full details on the Apple Choice Banking^® Program.

⁴A $1,000.00 minimum deposit of new money is required to open the account. New money is money that is not currently on deposit at Apple Bank; funds transferred from an existing Apple Bank account are not eligible.

** Apple Bank participates in the CDARS program offered by IntraFi Network LLC. The program enables investors to access multi-million dollar FDIC insurance coverage on large CD investments.

¹ Annual Percentage Yields (APYs) stated are effective as of June 1, 2026, and may be changed by the Bank at any time. CD requires a $1,000.00 minimum deposit to open and earn the stated APY. Early withdrawal penalty may apply. Retirement CDs are not available to open online. CD and Retirement CD interest is compounded daily. You may choose to have your CD interest paid monthly or quarterly. The APY assumes that the funds deposited remain in the account for the full term of the CD.

** Apple Bank participates in the CDARS program offered by IntraFi Network LLC. The program enables investors to access multi-million dollar FDIC insurance coverage on large CD investments.

¹ Annual Percentage Yields (APYs) disclosed are effective as of June 1, 2026, and may be changed at any time at the Bank's discretion, including after account opening. Checking and savings interest is compounded daily and paid monthly. Fees may reduce earnings. Please refer to individual product pages for additional details and disclosures.

** Apple Bank participates in the CDARS program offered by IntraFi Network LLC. The program enables investors to access multi-million dollar FDIC insurance coverage on large CD investments.