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					    APPLE FEDERAL CREDIT UNION                                                                                                A Better Grade of Bank ing.




THE                            EDUCATOR
    Your Trusted Financial Resource                                                AppleFCU.org                                                              JULY | 2012




Whether you’re traveling near or far this summer,
make a pit stop at Apple—your local hotspot for
deals and steals.
                                                                                                                           Enjoy Apple’s introductory, low-rate Home
DestinAtion: Apple Federal Credit Union                                                                                    Equity Line of Credit (HELOC) or Second
                                                                                                                           Trust Equity Loan options to consolidate
triP tyPe: Discount, Value-added, Time Saver                                                                               debt, complete home improvements or
Why this is A DeAl: Offering outstanding value                                                                             TAKE A VACATION!
with options like payment deferment on auto loans,
bargain rate equity loans, money-saving opportunities                                                                      Highlights Include:
and great interest rates, the best trips start here!
                                                                                                                             •	 Closing costs refund*
                                                                                                                             •	   Fixed payment options
                                                                                                                             •	   Faster closing than most lenders
                                                                                                                             •	   Interest paid may be tax deductible**
                                                                                        Rates as low as                      •	   Borrow up to 85% of your home’s
Experience more than just super low interest rates.                              1.99% APR*
                                                                                Includes a 1% Direct Deposit Discount**
                                                                                                                                  appraised value.
Navigate your way to Apple to book your next auto loan
and enjoy 5-star savings. Through September 30, 2012,
                                                                             No Payments for 90 Days1
                                                                                                                              Take advantage of Apple’s
when you buy a new or used auto, we’ll defer your                                Available now through September 2012       low-rate equity options today!
payments for 90 days!
                                                                                          Payments as low as                 Check out the enclosed insert or
Loan Attractions:                                                                   $266 per month!2                        visit AppleFCU.org for more details.
    •	 Fast approval and quick turnaround
                                                                                                                           *Closing Cost Refund: Closing costs reimbursed for
    •	 Up to 115% financing available with flexible terms up to 84 months                                                  Home Equity Lines or Credit and Second Trust Equity
    •	 Refinance± options available (Auto Loan only).                                                                      Loans disbursed 06/01/12 - 08/31/12. Apple FCU will
                                                                                                                           pay closing costs associated with a HELOC or Equity
Plan ahead—GET PRE-APPROVED! Enjoy the negotiating power of a cash customer and                                            Loan which includes: flood certification, settlement/
                                                                                                                           closing, property ownership and, city/county taxes, state
walk into dealership with financing already in place. Or finance on-site at over 50 preferred                              taxes, property search (excludes appraisal fee). Borrower
dealerships in the area—AppleFCU.org/Dealers.                                                                              will forfeit closing cost reimbursement if a loan balance
                                                                                                                           is not maintained for 24 months after loan origination.
Drive More. Pick Apple.                                                                                                    Borrower will receive closing cost reimbursement 24
                                                                                                                           months after loan origination. The closing cost refund
AppleFCU.org/Auto | Visit a Branch | Call 703-788-4800                                                                     will be deposited to the qualified member’s Share Savings
                                                                                                                           account. Property must be owner occupied to qualify.
*
 APR = Annual Percentage Rate as of 07/01/2012 for a new/used/refinanced auto, 36-month term, includes a 1.00%
                                                                                                                           Offer may be discontinued without notice. **Consult
Direct Deposit rate discount and is subject to change at any time. Rate based on an evaluation of applicant credit. Your
                                                                                                                           your tax advisor for details.
actual rate may vary (or be higher). **1.00% rate discount contingent upon an active, monthly direct deposit of $1,000
or more into an Apple Federal Credit Union Savings or Checking account. 1Interest will accrue during 90-day deferment
period. When payments begin, the entire monthly payment will be applied to interest until all accrued interest is paid.
Your principal balance will not begin to reduce until all accrued interest is paid. To avoid negative amortization, your    NetBranch Security Login Is Here
minimum payments may be higher or you may be required to make more payments of the same amount to repay all                 Current NetBranch users, please login and
interest charged, as well as the principal balance. 2Payment is based on the purchase of a new/refinanced $20,000           update your security information. Details
auto, with no down payment and an 84-month term at 3.24% APR. Payment has been approximated for illustrative
purposes. ±Current Apple FCU Auto Loans are not eligible for refinance.
                                                                                                                             available at AppleFCU.org/NBSecurity.
Vacation More. Pick Apple.                                                                          need Cash for College?
travel with a low rate Apple Visa                                                                   Apple’s student Choice loan
Imagine a first-class vacation without high-interest credit card debt.                              solutions Can help
Lighten your wallet and enjoy incredible savings with Apple’s
                                                                                                    The #1 reason people skip or quit college – the cost. Yes, it
no nonsense, low-rate Visa® Platinum Credit Card.
                                                                                                    can be expensive, but it’s not impossible to fund your college
                                                                                                    dreams. Get the financing you need with a certified, private
top-notch Amenities:                                                                                Apple Student Choice Loan Solution. It helps bridge the gap
    •	 Credit lines up to $35,000                                                                   when federal funding and scholarships fall short.
    •	 No annual, balance transfer
       or cash advance fees
    •	 Personalize your Visa Credit Card.                              Rates regulated
                                                                       to never exceed                •	 Apply once and you’re covered for
Ready to Go?                                                              18% APR*.                      your entire college career
Instant-issue Visa Cards are fast and easy!**                          Can you say that
                                                                        about any other
                                                                                                      •	 Low rates
Stop by your closest Apple branch.
                                                                      card in your wallet?            •	 No origination or pre-payment fees
Apply today!                                                                                          •	 Flexible repayment options.
AppleFCU.org/Visa | Visit a Branch | Call 703-788-4800
                                                                                                    Don’t delay.
*APR = Annual Percentage Rates 5.74-18.00% as of 07/01/2012 for an Apple Variable Rate Visa         Get the cash you need now for the upcoming semester.
Platinum Credit Card. Rates are based on an evaluation of applicant credit. Your actual APR will
be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate.
                                                                                                    AppleFCU.org/StudentChoice
Visa Credit Card rates apply to cash advances, balance transfers and outstanding balances on        Visit a Branch | Call 703-788-4800
purchases. See AppleFCU.org/Visa for details. **Available only for specific account types; some
exclusions apply. See branch for details. Not available at the GMU or Merrifield branch.


                                                                                                             ations
                                                                                                    CongratulWinners!
your Visa. your Photo.
Add some pep to your plastic with a                                                                  Scholarship
FREE1 customized Visa Platinum
Credit Card.

Go to AppleFCU.org/DYOC to get started.
1
 First personalized card is provided at no cost.
All subsequent cards, including replacements for those that are lost or stolen, require
a $9.99 per card fee.




                                                                                                       Apple FCU Education Foundation awarded 34, $4,000
                                                                                                      scholarships to deserving 2012 graduating high school
                                                                                                           seniors in the greater Northern Virginia area.
                                                                                                                     Good Luck This Fall!
                           Pocket more money this month
                             and skip your loan payment!
                   Just in time for vacation season, you can free-up some
                                                                                                    extras student savings
                     cash by skipping one payment from a qualified loan                             Designed for youth through age 23, the extras
                             (Real Estate Loans and Credit Cards excluded).                         Student Savings account earns 3.20% APY*
                                                                                                    on balances up to $1,500.
                              Schedule your Skip-a-Pay today!                                              Additional Student Options:
                                                         AppleFCU.org/Skip
                                                                                                           •	 extras Student Checking with
                                         Visit a Branch | Call 703-788-4800                                   FREE Visa® Check Card
                                                All deferrals are subject to approval. Your                •	 extras Student Visa® Platinum Credit Card.
                                               loan(s) must be current (have no amount
                                                     past due) to accept this offer. Certain        earn More. Pick Apple.
                                            restrictions may apply; see representative or           AppleFCU.org/Students
                                                            AppleFCU.org/Skip for details.
                                                                                                    Visit a Branch  Call 703-788-4800
                                                                                                    *APY = Annual Percentage Yield as of 07/01/2012 on balances up to $1,500 and
                                                                                                    is subject to change. Balances over $1,500 will earn Apple’s regular savings rate.
                                                                                                                                   Visa Gift Cards
                                                                                                                                   The gift on everyone’s wish list
                                                                                                                                   Avoid the costly and disappointing
                                                                                                                                   mistake of giving a bad gift. Stop by
                                                                                                                                   your neighborhood Apple branch
Earn dividends on your entire checking balance with Apple’s                                                                        for the gift that’s on everyone’s
Advantage Checking*.                                                                                                               wish list – a Visa® Gift Card.

                                                                        Minimum                                                    We offer a variety of design
                                                                                          Monthly
                    Institution                      APY                Balance To                                                 options. Plus, you can pre-load
                                                                                           Fee
                                                                          Open                                                     each card with any amount you
          Apple FCU                                 .50%*                  $15               $0*                                   choose (up to $1,000). Within
          Wells Fargo Bank**                         .05%                 $100               $30                                   minutes, you’ll be on your way.
          Bank of America           **
                                                     .05%                 $100               $25
          Citibank**                                 .01%                 $100               $20                                                             stop by any branch to
           Information procured from bankrate.com and as of 07/01/12.
                                                                                                                                                               buy yours today!
          **




Advantage Checking Features:
  •	   FREE Visa Check Card                                                                                                          A $3.95 per card fee applies. Minimum $10, maximum $1,000 per card.

  •	   Unlimited check card usage
  •	   Unlimited, FREE non-Apple ATM withdrawals**                                                                                 Free* Custom Check Card
  •	   FREE Apple logo checks                                                                                                      your Visa. your Photo.
  •	   FREE American Express Travelers Cheques®                                                                                    Add some pep to your plastic
                                                                                                                                   with a customized Apple
two easy Ways to Qualify!
                                                                                                                                   Xpress Yourself Visa®
Have a MONTHLY direct deposit of $1,000 or more OR have $20,000 combined
                                                                                                                                   Check Card. Simply upload
Savings and/or Loan balances (including Mortgage).
                                                                                                                                   a favorite photo, complete a few
open or switch to Advantage Checking.                                                                                              simple steps and voilà – your card is on its way.
Apply online with NetBranch Online Banking (select Add a Product), visit any                                                       Design yours today!
branch or call 703-788-4800.
                                                                                                                                   AppleFCU.org/XpressYourself
*APY = Annual Percentage Yield as of 07/01/2012 is subject to change. Most maintain a monthly
direct deposit of $1,000 or more OR have a combined Savings/Loan balance of $20,000 or more.                                       *Free personalization is available for your FIRST Check Card. All
Otherwise, a small $10 monthly fee applies. **Some institutions may impose a surcharge.                                            subsequent cards, including replacements for those that are lost or
                                                                                                                                   stolen, require a $9.99 per card fee charged to your account at the
                                                                                                                                   time of order approval.



                                                                           Back to School Supply Drive                                                                  Help Apple Give
                                                                              stuff the bus
                                                                                 Loudoun | Prince William | Sta ord
                                                                                                                         collect for kids
                                                                                                                                   Fairfax County
                                                                                                                                                                       $10,000+
                                                                                                                                                                       Apple will match cash
                                                                                                                                                                      donations up to $5,000!
help Apple’s Back to school supply Drive: July 1 – August 23                                                                                                           (Fairfax County Public Schools ONLY)

Many children look forward to arriving on the first day of school with new notebooks, backpacks and pencil
boxes, but it’s a different story for children whose families cannot afford these items. To meet this community                                                       Simply visit ‘Apple Federal
need, Apple is conducting its annual back-to-school supply drives and WE NEED YOUR HELP.                                                                              Credit Union’ on Facebook
                                                                                                                                                                      through July 31 to make
                              Stuff the BuS                                                                           ColleCt for KidS
                     Backpacks & School Supplies                                                                      Cash & Backpacks Only
                                                                                                                                                                       a monetary donation to
                                                                                                                                                                       Collect for Kids securely
                  Loudoun County Public Schools                                                             Fairfax County Public Schools Only
               Prince William County Public Schools                                                                                                                        through PayPal®.
                   Stafford County Public Schools                                                         See the sidebar for cash donation details.

                                                  donate today!
         For specific details for each county, drop-off locations and more, visit AppleFCU.org/SupplyDrive.                                                           See Facebook for complete details.
extended lobby Are here!                                                                                                                                                               Find Us On

You asked. We listened. To improve convenience, we’re opening
earlier AND staying later. Enjoy our extended lobby hours                                                                          P.O. Box 1200 • Fairfax, VA 22038-1200
Monday through Friday.                                                                                                             Call Center: 703-788-4800 or 800-666-7996 (toll-free)
                                                                                                                                       Mon. - Fri.: 8 a.m. - 6 p.m.    Saturday: 9 a.m. - 12 p.m.
    neW loBBy hoUrs:
                                                                                                                                   ASHBURN*‡ - 43330 Junction Plaza, #105 (Ashburn Farm Town Center)
    Monday - Thursday: 9:00 a.m. to 5:00 p.m.                                                                                         Mon. - Thur.: 9 a.m. - 5 p.m.   Saturday: 9 a.m. - 1 p.m.
    Friday: 9:00 a.m. to 6:00 p.m.                                                                                                    Friday:       9 a.m. - 6 p.m
                                                                                                                                   CENTREVILLE*‡† - 14260-J Centreville Square
    Saturday: 9:00 a.m. to 1:00 p.m. (no change)                                                                                      Mon. - Thur.: 9 a.m. - 5 p.m.    Drive-Thru Hours:
                                                                                                                                      Friday:       9 a.m. - 6 p.m.    Mon. - Fri.: 9 a.m. - 7 p.m.
Drive-thru hours remain unchanged. Branch hours at GMU, Merrifield,                                                                   Saturday: 9 a.m. - 1 p.m.        Saturday: 9 a.m. - 1 p.m.
Winchester and Winchester Medical Center will remain unchanged.                                                                    CHANTILLY*‡ - 3915-B Centreville Road (and Rt. 50, near CVS)
                                                                                                                                     Mon. - Thur.: 9 a.m. - 5 p.m.     Saturday: 9 a.m. - 1 p.m.
                                                                                                                                     Friday:       9 a.m. - 6 p.m
                                                                                                                                   FAIR OAKS HEADQUARTERS*‡† - 4029 Ridge Top Road, Fairfax
                                                                                                                                      Mon. - Thur.: 9 a.m. - 5 p.m. Drive-Thru Hours:
                                                                                                                                      Friday:       9 a.m. - 6 p.m. Mon. - Fri.: 9 a.m. - 7 p.m.
                                                                                                                                      Saturday: 9 a.m. - 1 p.m.     Saturday: 9 a.m. - 1 p.m.
                                                                                                                                   FAIRFAX*‡†- 9701 Main Street
                                                                                                                                      Mon. - Thur.: 9 a.m. - 5 p.m.      Drive-Thru Hours:
                                                                                                                                      Friday:       9 a.m. - 6 p.m.      Mon. - Fri.: 9 a.m. - 7 p.m.
Designed for your Unique needs                                                                                                        Saturday: 9 a.m. - 1 p.m.          Saturday: 9 a.m. - 1 p.m.
                                                                                                                                   FAIRFAX STATION/BURKE*‡† - 5616-A Ox Road, Fairfax Station
Offering individualized service and expertise, the                                                                                    Mon. - Thur.: 9 a.m. - 5 p.m. Drive-Thru Hours:
                                                                                                                                      Friday:       9 a.m. - 6 p.m. Mon. - Fri.: 9 a.m. - 7 p.m.
trusted financial advisors at Apple Financial Services LLC                                                                            Saturday: 9 a.m. - 1 p.m.     Saturday: 9 a.m. - 1 p.m.
(a wholly-owned subsidiary of Apple FCU) will provide a                                                                            FALLS CHURCH*‡† - 1118 W. Broad Street (Falls Plaza, near Staples)
financial plan that reflects your needs.                                                                                              Mon. - Thur.: 9 a.m. - 5 p.m.
                                                                                                                                      Friday:       9 a.m. - 6 p.m
                                                                                                                                                                      Saturday: 9 a.m. - 1 p.m.


                                                                                                                                   GEORGE MASON UNIVERSITY* - Johnson Center, Room 118, Fairfax
                          We can help you:                                                                                           Mon. - Fri.: 9 a.m. - 5 p.m.
                                                                                                                                   HERNDON*‡† - 362 Elden Street (near Kmart)
                             •	 Rollover 401(k)/403(b)/pension
                                plans if you’ve changed jobs                      Free eBill Payer                                    Mon. - Thur.: 9 a.m. - 5 p.m.
                                                                                                                                      Friday:       9 a.m. - 6 p.m
                                                                                                                                                                      Saturday: 9 a.m. - 1 p.m.



                             •	 Develop the best retirement                       Pay today for your chance                        KINGSTOWNE*‡† - 6831 Sir Viceroy Drive, Alexandria (near Kohl’s)
                                                                                                                                      Mon. - Thur.: 9 a.m. - 5 p.m.   Drive-Thru Hours:

                                savings and income plan                           to win!                                             Friday:       9 a.m. - 6 p.m.
                                                                                                                                      Saturday: 9 a.m. - 1 p.m.
                                                                                                                                                                      Mon. - Fri.: 9 a.m. - 7 p.m.
                                                                                                                                                                      Saturday: 9 a.m. - 1 p.m.
                                choices                                           Now through July 31, every bill you              MANASSAS*‡† - 8700 Centreville Road
                                                                                                                                     Mon. - Thur.: 9 a.m. - 5 p.m.   Drive-Thru Hours:
                   Our commitment doesn’t end when                                pay online is an opportunity to win                Friday:       9 a.m. - 6 p.m.   Mon. - Fri.: 9 a.m. - 7 p.m.
                                                                                                                                     Saturday: 9 a.m. - 1 p.m.       Saturday: 9 a.m. - 1 p.m.
                   you have a plan. We’ll review your                             a $5,000 grand prize or                          MERRIFIELD/GATEHOUSE* - 8115 Gatehouse Road, Falls Church
                   portfolio on a regular basis to make                                                                            (FCPS Administration Building, Suite 1500)

sure you’re staying on track. Contact Apple Financial
                                                                                  1 of 50, $100 prizes!                *              Mon. - Fri.: 9 a.m. - 5 p.m.
                                                                                                                                   MT. VERNON*‡ - 7696-F Richmond Hwy., Alexandria
Services for your complimentary financial review.                                                                                     Mon. - Thur.: 9 a.m. - 5 p.m. Saturday: 9 a.m. - 1 p.m.
                                                                                  login to eBill Payer within                         Friday:       9 a.m. - 6 p.m

 AppleServices.com | Call 703-788-4817                                            netBranch today!                                 SPRINGFIELD*‡† - 6314 Springfield Plaza (near Kmart)
                                                                                                                                      Mon. - Thur.: 9 a.m. - 5 p.m.    Saturday: 9 a.m. - 1 p.m.
                                                                                                                                      Friday:       9 a.m. - 6 p.m
Representatives are registered, securities are sold, and investment
                                                                                                                                   STAFFORD*‡ - 50 Dunn Drive (Doc Stone 5, near The Home Depot)
advisory services offered through CUNA Brokerage Services, Inc. (CBSI),           *NO PURCHASE NECESSARY. Open to legal               Mon. - Thur.: 9 a.m. - 5 p.m.  Saturday: 9 a.m. - 1 p.m.
member FINRA/SIPC, a registered broker/dealer and Investment                      residents of the 50 United States (D.C.) 18         Friday:       9 a.m. - 6 p.m
Advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 866-512-6109.          years and older. Ends 7/31/12. To enter and      STERLING*‡† - 21361 Gentry Drive (near Costco)
Non-deposit investment products are not federally insured, involve                for Official Rules, including odds, alternate       Mon. - Thur.: 9 a.m. - 5 p.m.    Drive-Thru Hours:
                                                                                  method of entry, and prize descriptions, visit      Friday:       9 a.m. - 6 p.m.    Mon. - Fri.: 9 a.m. - 7 p.m.
investment risk, may lose value and are not obligations of or guaranteed                                                              Saturday: 9 a.m. - 1 p.m.        Saturday: 9 a.m. - 1 p.m.
by the financial institution. CBSI is under contract with the financial           www.moretimeforsummer.com. Sponsor:
                                                                                                                                   SUDLEY MANOR*‡† - 8400 Chatsworth Drive, Manassas
institution, through the financial services program, to make securities           Intuit Inc., 2535 Garcia Avenue, Mountain          Mon. - Thur.: 9 a.m. - 5 p.m. Drive-Thru Hours:
available to members. FR051223-6016                                               View, CA 94043.                                    Friday:       9 a.m. - 6 p.m. Mon. - Fri.: 9 a.m. - 7 p.m.
                                                                                                                                     Saturday: 9 a.m. - 1 p.m.     Saturday: 9 a.m. - 1 p.m.
                                                                                                                                   VIENNA*‡† - 419 Maple Avenue E. (and Beulah Rd.)
Money Market Withdrawal Notice                                                                                                        Mon. - Thur.: 9 a.m. - 5 p.m.
                                                                                                                                      Friday:       9 a.m. - 6 p.m
                                                                                                                                                                      Saturday: 9 a.m. - 1 p.m.

Apple has increased the allowable withdrawals on Money Market and Super Money Market                                               WINCHESTER*‡† - 1850 S. Loudoun Street
accounts from three (3) per month to six (6) per month.                                                                               Mon. - Fri.: 9 a.m. - 6 p.m.
                                                                                                                                      Saturday: 9 a.m. - 1 p.m.
                                                                                                                                                                     Drive-Thru Hours:
                                                                                                                                                                     Mon. - Fri.: 8 a.m. - 7 p.m.
                                                                                                                                                                     Saturday: 8 a.m. - 1 p.m.
What this means to you is...                                                                                                       WINCHESTER MEDICAL CENTER*‡ - 190 Campus Blvd., Suite 120
You can make up to six FREE, no fee withdrawals from your Money Market or Super Money Market                                       (Medical Office Building II)
                                                                                                                                      Mon. - Fri.: 9 a.m. - 5 p.m.
each month. Those withdrawals in excess of those six will still incur a $20.00 fee.                                                   Saturday: 9 a.m. - 1 p.m.
                                                                                                                                   WOODBRIDGE*‡† - 14229 Potomac Mills Road
                                                                                                                                   (Potomac Festival Shopping Center, across from Staples)

FINANCIAL REPORT CARD                                                                    CLOSINGS
                                                                                                                                       Mon. - Thur.: 9 a.m. - 5 p.m.
                                                                                                                                       Friday:       9 a.m. - 6 p.m.
                                                                                                                                                                       Drive-Thru Hours:
                                                                                                                                                                       Mon. - Fri.: 9 a.m. - 7 p.m.
As of May 31, 2012                                                                                                                     Saturday: 9 a.m. - 1 p.m.       Saturday: 9 a.m. - 1 p.m.

MEMBERS ............................................................... 143,257          Independence Day                          * FREE unlimited ATM withdrawals
                                                                                                                                   † Coin machine (FREE to members)
                                                                                                                                                                         ‡ Instant-issue Visa Cards

LOANS........................................................$1,078,348,756              Wednesday, July 4
SHARES ......................................................$1,339,414,304                                                                      AppleFCU.org/Locations
                                                                                         Labor Day
ASSETS.......................................................$1,614,763,919              Monday, September 3                         Equal Opportunity Lender. Federally Insured by NCUA.

				
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