Bill Pay + Operation Homefront
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incider
Your monthly resource for financial guidance and promotions.
APPLE APRIL 2019
AppleFCU.org
Bill Pay + Operation Homefront*
YOUR TRANSACTIONS SUPPORT OUR TROOPS
Share Your Opinion*
REVIEW YOUR FAVORITE APPLE PRODUCTS & WIN
New Ride. Free Gas.*
WORRY-FREE CAR BUYING STARTS HERE
+ Gradual Retirement
Telephone Scams
*Promotion details inside.
YOUR BILL PAY TRANSACTIONS
SUPPORT OUR TROOPS.
The service members of the United States military work tirelessly
to keep our families safe. Now it's our turn to support them by
donating to Operation Homefront. Here's how you can help.
WE'LL DONATE $1 TO OPERATION HOMEFRONT* WHEN YOU:
Add and pay a new biller within Bill Pay
Activate a new eBill
Use Same Day Bill Pay
Set up a new recurring or auto payment.
Login to Online Banking or the Mobile App today!
*Between 04/01/2019 and 06/30/2019, $1 will be donated to Operation Homefront on
Operation Homefront provides assistance behalf of each member who completes one of the following actions: add and pay a new
to the families of active duty, wounded and biller within Bill Pay, activate a new eBill, use Same Day Bill Pay, or set up a new recurring
or auto payment for the first time using Online Banking or the Apple FCU Mobile App. Each
veteran U.S. military members. of the Bill Pay payments must be at least $10 and must be paid to another party with a
different mailing address from the primary Bill Pay account holder. Maximum donation is
Learn more about Operation Homefront $20,000 total for all campaign participants throughout 2019. View details at AppleFCU.org.
Home Buying
FREE SEMINARS
You Don’t Need 20% Saturday, April 6
Down to Buy!
10 - 11:30 a.m.
Fairfax Corner Branch
Join one of our partner HomeAdvantage ® real estate agents and one of
Saturday, May 11
our licensed loan originators as we discuss the ins and outs of buying
in today’s ever-changing real estate market. We’ll help you understand 10 - 11:30 a.m.
the home buying process, how to get pre-approved, current market Fairfax Corner Branch
conditions and much more.
Plus, find out how you can earn a cash reward of 20% of your agent’s SAVE YOUR SEAT
commission when you buy or sell using Apple’s no cost, no obligation
HomeAdvantage Program.
2.00
MEGA MONEY MARKET ACCOUNT
%
APY *
Make Your Savings Matter
Just make a $250,000 minimum deposit to earn this premium
rate with our NEW Mega Money Market Account!
In addition to a great rate, enjoy these perks:
• Convenient access to your funds
• Make up to six (6) withdrawals each month
• 24/7 access through Online and Mobile Banking
• Receive one (1) set of FREE exclusive checks each calendar year.
Open Your Account
*APY=Annual Percentage Yield as of 04/01/2019 is subject to change without notice.
SU PERSTA R
CERT IF I C AT ES
REGULAR REGULAR
2.25%
12 MONTHS
APY *
3.00 %
6 0 MONTHS
APY *
*APY=Annual Percentage Yield as of 2/13/19; subject to change without notice.
Rate Us & Win!*
We’re giving away a Ring™ Video Doorbell Pro each month.*
Rate and review your favorite products to be automatically
entered for a chance to win.
Now through June 30, 2019, we’ll select one winner each month
from all approved reviews! Remember to upload a photo with
your review to receive one extra entry. So, if you bought a new
car, motorcycle or house, let’s see it!
Here’s what to do:
1. Select an account from our Product Picker
2. Click “Write a Review”
3. Tell us what you think!
All approved reviews are automatically entered
and there’s no limit to how many entries you can
have, so please, share your opinion! WRITE A REVIEW
*The Rate and Review Monthly Ring Video Doorbell Pro Giveaway begins at 12:00:00 AM Eastern Time (ET) on 04/01/2019 and ends at 11:59:59 PM ET on 06/30/2019 (the
“Promotion Period”). Approved reviews submitted during the Promotion Period will be automatically entered into a weekly drawing for a chance to win a Ring Video Doorbell Pro
($249.00 value). Members who include a photo with their review will automatically receive one (1) additional entry. Winners will be notified by email within 15 days of promotion
period. View the complete Sweepstakes Details and Official Rules
A P P L E F E D E R A L C R E D IT U N I O N
In the Community
Community Outreach Award
At this year’s Prince William Chamber of Commerce
Business Awards, we were named winner of the 2019
Community Outreach Award! It’s a commitment to making Add a bill or income in your cashflow
a positive impact in our community, from all members of calendar in My Financial Life TODAY!
our team, that make wins such as this so sweet... it’s our
joy to serve! LEARN MORE 
SECURITY ALERT
Telephone Scams
Presented by Larry Larsen
Director of Cyber Security, Apple FCU
These days it seems that most of our daily communications Live calls can be harder to hang up on; we were raised to
are digital: email, texting, social media, etc. But, we still use be polite, and the callers – good and bad – count on that. I
our phones for voice calls, and scam artists know that most have received the Microsoft and IRS calls from live callers,
of the time, we’ll answer when our phone rings. and the best thing to do with those is just hang up. Frankly,
they’re invading your privacy with bad intent, so don’t feel
Telephone scams can be done by a real person making the bad about not being courteous. The Do Not Call list does
call, or by a computer that makes thousands of “robocalls” have a reporting page to file a complaint on calls like these.
every day. Let’s take a look at each of these calls, starting Many times, the bad guys are overseas, and therefore
with the latter. harder to stop, but options do exist.
Robocalls are terribly annoying, and frequently hide their true There are some good apps for smartphones to help
phone number in the CallerID displayed. They often spoof reduce the number of scam calls you get. Apps like
the ID to use the same exchange prefix as your number, in NoMoRobo, Robokiller and Hiya use a database of known
an attempt to trick you into thinking it’s a neighbor or other fraud sources to automatically block many scam calls
local caller. As soon as you pick up the call, the computer without you even knowing, and allow you to report and
starts into its pitch. block calls you do get. As with many utilities, the ones
with a reasonable subscription fee are more likely to work
The most common scam robocalls claim to be from Microsoft better than “freeware.”
support telling you about an infection on your computer,
or from the IRS threatening to arrest you for unpaid taxes. Many newer digital hardwired home or business phones
These are all 100% pure bunk. Neither organization will ever allow you to block calls at the handset. Talk to your service
call you on such matters. provider and see if they offer a blocking option from their side.
There may be legitimate companies using robocalls to sell No matter what kind of phone or service you use, never
their products, but personally I just hang up as soon as I give out any personal information to someone who calls
hear the spiel begin. You can put your phone numbers on you unexpectedly. Anything you tell them can potentially be
the Federal Communications Commission’s “Do Not Call” used in fraud activity.
list, but just as with other laws, the bad guys ignore it.
Charities and political organizations are also exempt from When in doubt, just hang up! They’ll get over it.
the list restrictions, so keep that in mind.
More on Fraud Prevention & Safety 
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F E AT U R E D A R T I C L E F E AT U R E D V I D E O
Gradual Retirement The Home Buying
Process Explained
Not everyone retires the same
Thinking about buying a home? We’re with you
way – or at the same pace.
every step of the way. Here’s what to expect
when entering the home buying process.
Read More Watch Now
Run Time: < 2 minutes.
New Ride. Great Rates. Free Gas!*
First Car. Fast Car. Family Car. Whatever type of auto you are looking for,
we make it easy to get the loan that you need.
Now through June 30, 2019, you will be Ask about our LOW RATES!
automatically entered to win a $500 Gas
• Shop with TrueCar for Guaranteed Savings2
Card* when you finance a vehicle with
• Up to 115% financing available with flexible
Apple FCU or refinance1 an existing auto terms up to 84 months
loan from another lender. • Negotiate with the power of a cash buyer with a
pre-approved Auto Loan Check
• Fast approval and quick turnaround
Every month, • No hidden costs or early payoff penalties
• Auto & Motorcycle Insurance available with
two lucky exclusive member-only discounts
members will
win a $500 Apply Now
gas card!* View our current rates
*Members who secure a qualified new, used or refinanced Auto/Motorcycle Loan AND have their financing disbursed 04/01/2019 - 06/30/2019 with Apple Federal Credit Union will be
automatically entered into a drawing to win one (1) of six (6) $500 Gas Cards; two (2) cards will be awarded each month, April-June. Excludes vehicles financed on-site at an Apple
FCU preferred dealer. NO PURCHASE NECESSARY. View complete sweepstakes rules. 1Current Apple FCU Loans are not eligible for refinance. 2Guaranteed Savings not available in
all states. In these states, a Target Price is shown, which is a market-based example of what you can reasonably expect to pay for your vehicle as configured. Your configured vehicle
may not be available or in-stock at the Certified Dealer.
$1,903
*
Average reward paid
at closing last year
This no cost, no obligation resource gives you instant access to start
your home search, find an agent and earn Cash Rewards!
STEP 1 STEP 2 STEP 3 STEP 4
Search for Connect with a Earn Special
Get Support
Properties Trusted Agent Cash Rewards
Access MLS search tools and Find an experienced real Use a HomeAdvantage agent Get help seven days a week
create email alerts to automatically estate agent in the to buy or sell and earn via phone, chat or email with
send you MLS property listings. HomeAdvantage network. Cash Rewards at closing. the Member Service Team.
From finding a home to financing one, we’re here for you the whole way.
Start Your Search
GET YOUR FREE, NO OBLIGATION PRE-APPROVAL.
Find out how much you can borrow so you can shop with confidence.
Apply for a Mortgage
*Average Apple FCU rebate Jan.-Dec., 2018; for illustration purposes only; savings amount in no way guarantees your specific savings.
The HomeAdvantage program, along with its features and benefits, is available to you through a joint relationship between Apple FCU and CU Realty Services. In order to earn
a rebate, buyers and sellers must use one of the real estate agents listed in the approved agent network. Rebate amounts will vary depending on the price of the house sold or purchased,
and the commissions paid out to the agent. Rebates are available in most states. Please consult with Apple’s HomeAdvantage expert to get details that may affect you.
We’re the other Apple.
And we’re not just for teachers anymore.
Invite your friends and family
to join today!
TheOtherApple.orgInsurance, it’s personal.
FINANCIAL SERVICES LLC Auto | Home | Rental
Our agents are real people who care about meeting your individual
insurance needs. They want to help you turn a must-do task into a
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Serving as independent agents, they can offer a wide range of options
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you choose the insurance coverage that’s right for you.
Your local, independent agents are here to help.
Get your FREE, no obligation rate quote today!
Auto Loan & Insurance Bundle
Earn a 0.25% discount with your new
Auto Loan at Apple when you get Insurance Get a Quote
through Apple Financial Services
holiday closings
Memorial Day | Mon., May 28
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