Savings Accounts

APL FCU offers a variety of savings accounts to meet your needs. Each of our savings accounts features a reverse tier, which pays a higher interest rate on initial balances up to $2,500.

Regular Savings Accounts

Our membership includes a Savings Account and a free Checking Account with a free Visa Debit Card. A savings balance of at least $50 is all that is required to maintain your membership, to earn dividends and to provide you with access to our menu of products and services. 
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Rates effective as of 06-18-2025 and are subject to change without notice.

Your APL FCU Savings Includes:

Kids Accounts

Teach your kids under 15 years of age that saving can be fun with an APL FCU Kids Account. The minimum balance for a kids account is only $5, and each new account holder will receive a matching $5 deposit from APL FCU. 
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Rates effective as of 06-18-2025 and are subject to change without notice.

  • Available to all members under 15 years old
  • Competitive interest rate for account balances over $50
  • Converts to a Regular Savings account when the child turns 15
Join and Open Kids Account 

Young Adult Accounts

APL FCU is here to help you throughout your life changes. As your child grows, teach them financial responsibility at an early age. You may apply jointly for a Visa ® Debit Card for your 15 – 17 year old. They will get all the same benefits you get with your Visa ® Debit Card and you’ll be able to rest easy knowing you can: 
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Rates effective as of 06-18-2025 and are subject to change without notice.

  • Monitor their spending behaviors online
  • Transfer money directly from your account into theirs
  • Begin teaching them how to live within their means
  • Protect them from overspending as the card will be declined if funds are not available at the time of purchase
  • Avoid ATM fees with access to thousands of surcharge-free ATM locations throughout the country
Join and Open Young Adult Account 

College Accounts

Your college bound student will benefit from this package.
  • Free Checking – no minimum balance or monthly service charges; includes Free Visa Debit Card
  • Surcharge-Free ATM Access – tens of thousands of Allpoint machines across the country
  • Digital Banking Access – students and parents can check account balances and history any time of day
  • Mobile Check Deposit – no need to send checks home – just snap, tap and deposit
  • eStatements – electronic delivery gets to them no matter where they are attending school
  • Zelle® – send or receive money, typically in minutes! 
  • Visa Credit Card – purchasing power with no annual fee
  • Savings Secured Visa – a credit card alternative that uses pledged funds from your Savings Account. A great way for a young adult to build credit without a co-signer
  • Line of Credit – extra cash available any time (up to their predetermined credit line), or it can be used as Overdraft Protection for their checking account
Join and Open College Account 

Additional Savings Accounts

Use these accounts to keep your holiday and vacation money separate from your regular savings account.
  • Earns same rate as our Regular Savings Account
  • Minimum balance of $5 to open the account
  • Unlimited withdrawals and deposits
  • Dividends are calculated daily, compounded and paid monthly on balances of $50 or more
  • Set up recurring transfers to effortlessly reach your goals