Employees who do not receive pay 12 months of the year, but are interested in receiving money during the non-paid months, can do either of the following:

1. You may transfer funds via direct deposit to a "Savings Plan" of your choice.
   
   You can designate a flat dollar amount to be withheld from each regular payment and transferred to a financial institution of your choosing. This allows you to earn interest on your money and save for your own summer pay. You withdraw your money when you need it. This savings plan option is available in addition to the current options to have a flat amount direct deposited to the Apple Federal Credit Union and your net pay direct deposited to your primary bank account
   
2. Apple FCU has a summer pay program, open to all FCPS employees, to set aside money from their pay during the school year to be paid in the summer months.  The program can be used as a replacement for the FCPS summer fund program.  For more information, call Apple FCU at 703-788-4800 or visit Apple FCU online.

Tips on determining how much to set aside each pay period

Each person’s financial situation during the year and needs during the summer month may be very different.

• For monthly paid 11-month employees, 8.33% of net pay saved monthly will yield nearly the same amount of pay in July and August as you receive throughout the year.
• Biweekly paid 10 month employees should plan on 13.33% and 11 month employees should use 8.33%.