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Apple Bank


ACH Number: 226070584

Apple Bank is an FDIC insured institution headquartered at 122 E 42nd St, New York, NY 10168.
It was founded in 1863 and has approximately $18 billion in assets. Customers can open an account at one of its 80 branches.

Deposit Rates - December 20, 2025

SAVINGS RATES APY MIN
SAV
3.25% $1 Compare
SAV
0.25% $5,000 Compare
SAV
1.01% $50,000 Compare
CD RATES APY MIN
6 Mo CD
3.25% $1,000 Compare
7 Mo CD
3.50% $1,000 Compare
8 Mo CD
3.50% $1,000 Compare
12 Mo CD
3.50% $1,000 Compare
18 Mo CD
3.25% $1,000 Compare
24 Mo CD
3.00% $1,000 Compare
36 Mo CD
3.00% $1,000 Compare
48 Mo CD
3.00% $1,000 Compare
60 Mo CD
3.00% $1,000 Compare
MM RATES APY MIN
Money Market
3.25% $2,500 Compare
Money Market
2.75% $10,000 Compare
Money Market
3.75% $50,000 Compare
INT CHECKING RATES APY MIN
INTCK
1.01% $1
INTCK
0.01% $1,000




Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 16068
Date Established 1863
Assets $ 18.35 billion
Loans $ 12.89 billion
Deposits $ 14.68 billion
Capital $ 1,546.15 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 708.91 million
Interest-bearing balances $ 663.02 million
Total securities $ 3.54 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 12.89 billion
Loan loss allowance $ 67.21 million
Trading account assets $ 132.63 million
Bank premises and fixed assets N.A.
Other real estate owned $ 0.06 million
Goodwill and other intangibles $ 274.07 million
All other assets $ 491.09 million
     Total Assets $ 16.80 billion

LIABILITIES
Total deposits $ 14.68 billion
      Interest-bearing deposits $ 13.46 billion
      Deposits held in domestic offices $ 14.68 billion
      % insured (estimated)" 78.98%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 550.70 million
Subordinated debt N.A.
All other liabilities $ 228.58 millionn
      Total Liabilities $ 16.80 billion
      Shareholders’ Equity $ 1,546.15 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 419.48 million
Total Interest Expense $ 231.54 million
Net interest income $ 187.94 million
Provision for loan and lease losses $ 9.86 million
Total non interest income $ 25.02 million
Total non interest expense $ 172.11 million
Pre-tax Net Operating Income $ 49.26 million

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Branches

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Apple Bank Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Apple Bank
    Bank
    -
    $50,000
    N.A.
    3.25%
    14.38x (National Avg. - 0.23%)
    $1
    -
    SCENARIO
    Year Rate
    3.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,625 1,138
    2 51,625 1,678 1,174
    3 53,303 1,732 1,213
    4 55,035 1,789 1,252
    5 56,824 1,847 1,293
    6 58,671 1,907 1,335
    7 60,577 1,969 1,378
    8 62,546 2,033 1,423
    9 64,579 2,099 1,469
    10 66,678 2,167 1,517
    11 68,845 2,237 1,566
    12 71,082 2,310 1,617
    13 73,392 2,385 1,670
    14 75,778 2,463 1,724
    15 78,240 2,543 1,780
    16 80,783 2,625 1,838
    17 83,409 2,711 1,898
    18 86,119 2,799 1,959
    19 88,918 2,890 2,023
    20 91,808 2,984 2,089
    TOTAL $44,792 $31,354
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    4.00%
    17.70x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689


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