Apco Employees Credit Union Anniston AL | Affordable Auto Loans & Personal Banking

Introduction

At Apco Employees, we believe that strong financial foundations lead to thriving communities. Located at 925 Quintard Ave, Anniston, AL 36201, our branch has proudly served our members since 1953. With a total membership of 85,419 and assets amounting to an impressive $3,509,874,314, we are committed to offering personalized financial solutions tailored to the unique needs of each member. Our dedicated team of 169 employees works tirelessly to provide services that include personal banking, auto loans, mortgages, and business banking. Under the leadership of CEO Derrick Ragland and Board President Gregg Shipp, we strive to create a welcoming environment where your financial well-being is our top priority. While members can visit us at our branch for all their banking needs, official correspondence should be directed to the same address: 925 Quintard Ave, Anniston, AL 36201. With total deposits reaching $347,253,658 and a net worth of $491,414,926, Apco Employees stands as a pillar of stability in the community. We invite you to connect with us by calling 205-813-7500 or visiting our website at apcocu.org. Whether you're looking for competitive loan rates or comprehensive financial guidance, Apco Employees is here to support you every step of the way. Let's build a brighter financial future together!

Branch History & Mission

Welcome to the inspiring story of Apco Employees, a cornerstone of financial support and community engagement in Anniston, AL. Established in 1953, our branch has grown alongside the community, evolving from a small credit union into a trusted partner for over 85,419 members. Our journey reflects our commitment to providing not just financial services, but also fostering a sense of belonging and support among our members. Located at 925 Quintard Ave, Anniston, AL 36201, our branch is easily accessible for all members. We pride ourselves on creating an inviting atmosphere where everyone feels welcome. While members can visit us at this address, official correspondence should be sent to the same location. From humble beginnings, Apco Employees has experienced remarkable growth. With total assets now exceeding $3.5 billion, we have positioned ourselves as a leader in delivering personalized banking solutions. Our mission centers around empowering individuals and businesses through comprehensive financial products, including personal banking, auto loans, mortgage financing, and business services. At Apco Employees, we believe that our success is deeply intertwined with the well-being of our community. Our mission statement emphasizes this connection: we strive to provide exceptional financial services while actively supporting local initiatives and outreach programs. We are dedicated to making a positive impact in Anniston and surrounding areas by participating in various community events and partnerships. In addition to traditional banking services, we have embraced modern technology to enhance member experiences. Our offerings include online and mobile banking options that ensure you can manage your finances conveniently and securely from anywhere. We also provide ATM access for easy withdrawals and balance checks. Our operating hours are designed with your convenience in mind; we're here Monday through Friday from 8:15 AM to 4:30 PM. Although we currently do not offer drive-thru service or shared service center availability, we are committed to providing excellent customer service through our knowledgeable staff who are always ready to assist you. As we continue to grow and adapt to the needs of our members, we invite you to become part of our story. Join us at Apco Employees Credit Union and experience the difference that a community-focused financial institution can make in your life. Together, we can build a brighter future! For more information or if you have any questions, feel free to reach out at 205-813-7500 or visit us online at Apco Employees.

Branch Location & Accessibility

Accessibility Features

Our location is designed with accessibility in mind. You'll find plenty of parking available, along with features that comply with ADA standards, including ramps to ensure everyone can access our services comfortably.

Contact Us

If you have any questions or need assistance, feel free to reach out at 205-813-7500. While members can visit us at our branch address, official correspondence should be sent to the same address: 925 Quintard Ave, Anniston, AL 36201. We look forward to welcoming you to Apco Employees! Stop by today and let us help you achieve your financial goals.

Operating Hours

We understand that life can be busy, which is why we offer flexible hours. Our lobby is open Monday through Friday from 8:15 AM to 4:30 PM, so you can visit us when it's most convenient for you.

Services Offered

At Apco Employees, we provide a variety of services tailored to meet your banking needs. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. We also offer business banking solutions and online/mobile banking for added convenience. Plus, our ATM is available for quick cash withdrawals and balance checks whenever you need it.

Member Eligibility

Becoming a member of Apco Employees is like joining a close-knit family where your financial well-being is our priority. If you live, work, or go to school in the Anniston area, you're likely eligible to join us! We welcome individuals who share our commitment to community and support. To learn more about specific eligibility criteria, feel free to check out our detailed resource at . The process of opening an account is straightforward and welcoming; you can find all the details you need at . If you have any questions or need assistance, don't hesitate to reach out to us at (205) 813-7500. We're here to help you every step of the way as you start your journey with Apco Employees!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. Imagine having access to funds that help you buy new inventory just in time for the busy season or finance a critical project that can elevate your company's profile. Our tailored loan options provide you with the financial backing needed to turn your vision into reality.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Picture this: a customer walks into your store, makes a purchase, and completes the transaction effortlessly using their preferred payment method. With our reliable merchant services, you can enhance customer satisfaction while streamlining your operations. Located at 925 Quintard Ave Anniston Al 36201, Anniston, AL 36201, we're here to help local businesses thrive. Call us today at (205) 813-7500 to learn more about how we can assist you on your journey to success!

Comprehensive List Of Services

Additional Features

In addition to all these services, we pride ourselves on offering convenient features like mobile payments and person-to-person transfers that simplify how you manage money daily. With us, accessing your account information has never been easier thanks to our robust online platform. If you're ready to take advantage of these services or have any questions about how we can assist you better, don't hesitate to reach out! Call us at (205) 813-7500 or visit us at 925 Quintard Ave Anniston Al 36201 in Anniston, AL. We look forward to serving you!

Business Banking

If you're an entrepreneur or run a small business, our business banking services, including merchant services and business loans, are designed with you in mind. We understand the unique challenges businesses face and are committed to helping you thrive by providing flexible financial solutions.

Credit Cards

Looking for a credit card that rewards you for spending? Check out our credit cards with rewards, offering perks on purchases that matter most to you. Use it wisely and watch those rewards add up!

Home Ownership

Owning a home is one of the biggest milestones in life, which is why we offer comprehensive mortgage loans and refinancing options. Our team is ready to guide you through the process, ensuring you find the best loan for your situation. If you're looking to lower your monthly payment or tap into your home's equity, we can help you explore refinancing opportunities.

Personal Banking

For those looking to manage their everyday finances, our personal banking services include checking and savings accounts tailored to fit various lifestyles. Need a quick way to access your funds? Our ATM services provide easy cash withdrawals and balance checks whenever you need them. Plus, with our online and mobile banking, you can handle your finances from anywhere at any time.

Personal Loans

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation options come in handy. Whether it's for medical bills or home repairs, we provide solutions that allow you to regain control over your finances without overwhelming interest rates.

Vehicle Financing

Thinking about buying a car? Our auto loans and vehicle financing options are here to help make that dream a reality. We understand how important reliable transportation is, so we offer competitive rates and flexible terms that suit your budget. Whether it's a new or used car, we aim to get you behind the wheel without stress.

Digital & Online Banking

Key Features

Our online banking platform allows you to monitor your accounts in real-time, check balances, and make transfers with just a few clicks. With features like person-to-person transfers, sending money to friends or family has never been easier. Plus, our mobile application is available for download, giving you all the banking tools you need right in your pocket. Security is a top priority for us. While we currently do not offer electronic signature authorization, rest assured that your transactions are protected with robust security measures. You can also opt for e-statements to keep track of your financial activity without the clutter of paper statements saving trees while keeping things organized!

Mobile Payments and More

In addition to traditional banking services, we provide mobile payments, so you can pay bills or make purchases effortlessly from your smartphone. This feature enhances convenience for busy members who need quick access to their funds. At Apco Employees, we strive to make banking straightforward and accessible for everyone. With our user-friendly online tools, managing your finances has never been simpler or more secure. Join us today and experience hassle-free banking!

Financial Strength

Commitment to Growth and Innovation

Our financial strategy is reinforced by $20,000,000 in undivided earnings that allow us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $5,662 in used auto loans and $900,683,806 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Growing Membership Trust

We currently manage a total of 171,866 share and deposit accounts, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $0, emphasizing our ability to invest back into the community through loans and other services. In summary, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Apco Employees is your trusted partner. Visit us at 925 Quintard Ave Anniston Al 36201 or call (205) 813-7500 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member-Centric Savings Options

Members' savings are secured through $1,205,430,818 in share certificates and $17,914,123 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Excellence

Our $7,974,388 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 157 full-time employees and 12 part-time employees who are dedicated to providing you with knowledgeable service at every turn.

Solid Financial Foundation

With a net worth of $491,414,926, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation is further emphasized by our net worth ratio of $1,400, which demonstrates our capability to navigate economic fluctuations while continuing to serve our members effectively.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. With over $91,478,066 in used vehicle loans and $100,944,385 in new vehicle loans already assisting our members on the road, you can trust us to provide competitive financing options that suit your needs. We also offer refinancing options for existing auto loans, allowing you to save money and make your payments more manageable.

Credit Lines and Other Options

In addition to these loan products, we provide access to credit lines totaling $957,244,750 for those looking for additional borrowing options. This can be particularly useful for unexpected expenses or larger purchases where flexibility is key. For business owners interested in expanding their operations or managing cash flow better, our commercial loan offerings are also available though currently we have no outstanding commercial loans listed. If you're interested in any of our loan products or would like more information about eligibility and refinancing options available at Apco Employees, feel free to reach out at 205-813-7500 or visit us at 925 Quintard Ave Anniston Al 36201. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Apco Employees, we're dedicated to providing personalized service and finding the right solutions for all our members' financial needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $37,435,240, making it easier for you to buy or refinance your home. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through every step of the process.

Unsecured Credit Card Loans

We also recognize that sometimes you need flexibility with your finances. That's why we offer unsecured credit card loans with a total of $32,454,970 available to help you manage your expenses effectively. These loans come with flexible terms that allow you to pay off your balance at your own pace.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This approach ensures that all loan offers are fair and transparent, allowing users to make informed decisions without worrying about hidden fees or misleading information.

Apco Employees