Apple Federal Credit Union has again started the year with an IRA CD special. The rate is not as competitive as last year, but it’s a decent deal in today’s low-rate environment. The special is a 1.40% APY 14-Month IRA certificate. Minimum deposit is $500, and the maximum is $500,000. It’s scheduled to end on 2/28/2011.

Apple FCU continues to offer one of the best 10-year CD rates available with a 3.25% APY. The shorter terms are not quite as competitive.

Credit union membership is open to members of Northern Virginia Athletic Directors, Administrators, and Coaches Association (NVADACA). NVADACA is listed in the credit union’s field of membership list. Membership into NVADACA is open to anyone. There is a $20 membership fee. For more ways to be eligible to join Apple FCU, please refer to the credit union’s Membership Page. Membership requires a minimum balance of $5 in the regular savings account.

Apple Federal Credit Union does a soft hit through Equifax on a new membership application. There’s no hard pull.

Apple FCU is located in Fairfax, Virginia and has additional branches in Centreville, Falls Church, Herndon, Manassas, Alexandria, Springfield, Stafford, Winchester, Woodbridge and Washington, DC.

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1. Premier America Credit Union 7.00% APY