How to Maximize Your Online Services

Online account management tools have modernized banking by making it greener, quicker and more convenient. Today, Apple offers perks, such as heightened security, easier access and helpful applications for smartphones creating an enhanced banking experience.

Online account management tools  have modernized banking by making it greener, quicker and more convenient. Today, Apple offers perks, such as heightened security, easier access and helpful applications for smartphones creating an enhanced banking experience.

Through a secure connection you can pay your bills, transfer funds, review your account balance and much more. Here’s how tens of thousands of Apple members keep tabs on their account. Will you join them?

FREE NetBranch Online Banking– Armed with a web browser and internet connection, you can save yourself a trip to the branch and take control of your finances. Simply login to NetBranch at to review your account, apply for a Loan, transfer money, pay your bills, access eStatements and much more.

FREE Mobile Apps¹– With our FREE App for your iPad®, iPhone® or Android™ device, you have secure account access when you’re on the move. Not only can you check your balances, transfer funds and search for an ATM or Branch, you can deposit checks with FREE Mobile Deposit² and pay your bills with FREE eBill Payer!  See if an App is right for you; check out our Mobile Apps Demo.

FinanceWorks™ Money Management– This is the checkbook of the new millennium. With FREE FinanceWorks you can categorize your transactions and set up budgets for future spending.  This user-friendly system will track your activity and send alerts and reminders to help you track your account goals.  You can link accounts you have with other financial institutions too.

Popmoney™ Transfers* – This easy, fast and secure online personal payment service lets you send, request and receive money directly from your bank account via text or email – no need to know the other person’s account information.  Request or pay your family, friends or just about anyone at all and they don’t even need to have an existing Popmoney account.

FREE eBill Payer** – Did you know you can pay all of you bills, or a person, using FREE eBill Payer within NetBranch Online Banking? Setting it up is as easy as 1, 2, 3!  Simply enter the business or person you want to pay, set the amount and set the date. That’s it, you’re done! In a few simple steps you can pay all of your bills—phone, insurance, credit card, school, cable/internet and more… you can even pay your buddy back for lunch! Plus, with eBill Payer you can setup recurring payments to avoid late or missed payments. The best part, if you need to pay a bill on the run and you are nowhere near a computer, eBill Payer is available within Apple’s FREE Mobile App.


¹Requires mobile Internet access from your device. The trademarks, logos and names of other companies, products and services are the property of their respective owners. ²Some restrictions may apply. Airtime and carrier fees per your contract/plan may apply. *Must be enrolled in NetBranch Online Banking and the primary or joint account owner. Use of Apple FCU’s Popmoney service and texting of funds to a mobile phone are FREE. For email transfers, a $1.25 per use fee is required. For direct deposit transfers, a $5.00 per use fee is required. The request money fee is $1.75. Airtime and carrier fees per your contract/plan may apply for funds forwarded to any mobile phone. **Some restrictions may apply


Your FREE Financial Checkup

Do you ever wonder how you are doing when it comes to your finances? Are you worried that you are spending more than you should on entertainment? Not sure if you can afford higher rent and utility costs?

 If you answered Yes to any of these questions, it’s time to check out SavvyMoney. SavvyMoney is an anonymous, FREE, member-benefit that will help you bring your financial health into focus and it is done with a few simple questions and steps.

 SavvyMoney will pinpoint where your money is going and recommend how to best utilize your spending for a healthy future. It’ll review your housing costs, utilities, personal spending and other debts and show where small adjustments can help you save more or pay off debt faster.

 Get started. Simply answer a few questions about your debt to income ratio, credit score, loans and how much you save. In just a few minutes, you will be looking at your personalized financial snapshot. 

 SavvyMoney is quick, easy, anonymous and best of all FREE!  Check out SavvyMoney today!

Investing Cheat Sheet

Don’t let the thought of investing intimidate you. Here’s a cheat sheet to help you become familiar with the different types of investment opportunities available.

What is investing?
When you break it down, investing is just having your money work for you or really just another way for you to make money (though yes, sometimes you can lose, so invest wisely; Apple can help). It goes further than just the hours we put into our jobs because after all, there are so many hours in a day and we cannot clone ourselves. Investing is nothing more than taking the money we have put aside and placing it elsewhere to make more money. This is accomplished through stocks, bonds, or mutual funds.

Concept of Compounding
Compounding (or sometime called compound interest) transforms your money into an income-generating tool and is the process of generating earnings on an asset’s reinvested earning. It takes two things to work: earnings and time to accomplish the most of your investment.

Example Time! If you were to invest $1,000 at an interest rate of 6%, in a year you will have $1060 in your account. If you were to take the money that you have earned through interest and invest that for another year, you will have $1,123.60. It continues growing the longer you have it in the account. That is without even having to do anything with your account while you’re away in class or studying. Think of the money you could earn if you add a little bit of cash here and there to raise that end number.

Types of Investments:

Bonds: A bond is an interest-bearing security that obligates the issuer to pay the bondholder a specified sum of money, usually at specific intervals (known as a coupon), and to repay the principal amount of the loan at maturity. Zero-coupon bonds pay both the imputed interest and the principal at maturity.

Stocks: Plain and simple, stock is a share in the ownership of a company. Stock represents a claim on the company’s assets and earnings. As you acquire more stock, your ownership stake in the company becomes greater. Whether you say shares, equity, or stock, it all means the same thing.

Mutual Funds: A mutual fund is nothing more than a collection of stocks and/or bonds. You can think of a mutual fund as a company that brings together a group of people and invests their money in stocks, bonds, and other securities. Each investor owns shares, which represent a portion of the holdings of the fund.

In the end, if you are willing to put funds aside and earn interest investing is the best way to get the most out of you money. Take a look into different options out there and feel free to diversify your accounts to get variety on your incomes.


4 Ways to Save for College

As college tuition prices continue to rise, it becomes more difficult to save and prepare for the cost. Here are some tips to help you get your funds together for the big investment:

Pick the right account. Look for special savings accounts that have higher dividends to help your money grow while you are tucking it away for a later like Apple’s Education SuperSaver Account. This is a good way to have your money work for you by allowing a financial institution to assist with your major goal.

Put money away often. Setup a direct deposit with your part-time job paycheck and set aside money into a savings account like Apple’s eXtras Student Savings. Even small amounts of cash stack up quickly when forget it’s there, especially if you’re earning dividends (also known as interest, more cheddah, cha-ching, etc.). You will still have funds to go out and catch the latest flick or have dinner with your friends. It will just be a little less with the money you are saving.

Apply for scholarships & grants.  Take the time and research what scholarship and grant opportunities exist for you.  Sites like explain what to do and how to do it.

Look into “realistic” options. Consider a community college before transferring to a traditional 4-year college or university. Get your “base” classes in and then make the big move. This way, you can continue to save or limit your student loan balance. Plus, check out the different cost options between in and out-of-state schools.

One thing is for sure, the sooner you get started, the more money you will have when it comes time to enroll.