Apple Bank

FDIC-insured · certificate 16068

Savings, money market, checking and CDs, with every rate from Apple Bank’s own pages and every rank against the accounts we track.

Checked Nov 1, 2026Updated Nov 1, 2026

Every account we track

Accounts and rates

A year on $10,000, after fees

Apple Bank SmartStart SavingsSavings account · $1 to open5.00%$287None

Apple My Reserve Savings AccountSavings account · $1,000 to open4.00%$400None

Apple Simple Savings AccountSavings account · $100 to open3.03%$303None

Apple Choice Money Market AccountMoney market account · $100 to open3.03%$303None

Apple Bank Core SavingsSavings account · $250 to open1.25%$125$4 a month

Against 1043 checking accounts

Apple Simple Checking AccountChecking account · $100 to open1.01%#5None

Apple Bank Core Checking AccountChecking account · $100 to openNot stated#217None

Apple Choice Checking AccountChecking account · $100 to open2.00%#273$10 a month

Apple BasicValue CheckingChecking account · $10 to openNot stated#473$3 a month

Apple Bank SmartStart BankingChecking account · $100 to openNot stated—None

Apple SmartStart Banking (ages 13-25)Checking account · $100 to openNot stated—None

Apple SmartStart Banking Account (ages 13-17)Checking account · $100 to openNot stated—None

Apple SmartStart Banking Account (ages 18-25)Checking account · $100 to openNot stated—None

3 months2.75%—

6 months · Apple Bank’s best3.00%#94 of 143

7 months3.00%—

9 months3.00%—

1 year3.00%#107 of 176

15 months2.50%—

18 months2.50%#75 of 107

2 years2.50%#82 of 134

3 years2.50%#55 of 98

5 years2.50%#55 of 98

A dash: a term we don’t rank. All Apple Bank CDs

Against the market

Where each ranked account sits on our list for its kind. Further right is higher on the list.

Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.