Apple Federal Credit Union Routing Number: Virginia Member Guide

What is the Apple Federal Credit Union routing number?

Apple Federal Credit Union uses routing number 256078514 for all member accounts. This ABA routing number is used for ACH transfers, direct deposits, incoming wire transfers, and automatic bill payments.

Apple Federal Credit Union, headquartered in Fairfax, Virginia, serves over 240,000 members in Northern Virginia and the greater Washington, D.C. metro area. Founded in 1956, it is not affiliated with Apple Inc. — the credit union was originally chartered to serve employees of the former Apple Federal Savings Bank.

How to find your Apple FCU routing number

Routing number 256078514 is printed on the bottom-left of your Apple FCU checks. You can also find it by logging into Apple FCU's online banking platform or mobile app and navigating to your account details.

All Apple FCU members use the same routing number regardless of branch location or account type. This routing number is specific to Apple Federal Credit Union and should not be confused with other institutions.

Apple FCU wire transfers and ACH

Apple FCU processes domestic wire transfers using routing number 256078514 through the Fedwire system. Members can initiate outgoing wires by visiting a branch or contacting the credit union, with incoming wires typically posting the same business day.

ACH transfers — including payroll direct deposits, government benefits, and recurring payments — use the same routing number. Apple FCU supports both incoming and outgoing ACH transactions on standard settlement schedules.

Apple FCU business and membership services

Apple FCU provides business checking, savings, commercial loans, and merchant services to small businesses in the Northern Virginia region. Membership is open to those who live, work, worship, or attend school in select Virginia counties.

As a credit union, Apple FCU operates as a member-owned cooperative, often offering lower loan rates and fewer fees than traditional banks. They provide shared branching access through the CO-OP network for nationwide convenience.

How Slash compares to Apple FCU

Apple FCU offers competitive credit union rates and local branch access in Northern Virginia, while Slash provides a fully digital business banking experience without geographic membership requirements. Slash offers up to 2% cashback, unlimited virtual cards, and real-time spend controls.

For businesses that need flexibility beyond the D.C. metro area, Slash delivers nationwide digital banking with stablecoin payments, automated expense management, multi-entity support, and integrated accounting — no branch visit required.