Apco Employees Credit Union Birmingham AL | Best Auto Loans & Personal Banking

Introduction

Welcome to Apco Employees, your trusted partner in financial wellness located at 750 17th St N, Birmingham, AL 35203. Established in 1953, we have proudly served our community for decades, creating a strong foundation of trust and reliability among our 85,419 members. With total assets exceeding $3.5 billion, we are committed to providing exceptional financial services tailored to meet the unique needs of our members. At Apco Employees, we understand that banking is not just about numbers; it's about people and their dreams. Whether you're looking for a new auto loan, mortgage refinancing, or simply a safe place to save your money, our dedicated team is here to help you every step of the way. Our CEO, Derrick Ragland, alongside Board President Gregg Shipp, leads a team of 169 employees who are passionate about supporting you in achieving your financial goals. While you can visit us at our branch location for personal service, please note that any official correspondence should be directed to the same address: 750 17th St N, Birmingham, AL 35203. We encourage you to explore our wide range of services including personal banking options like checking and savings accounts, auto loans, and credit cards with rewards. Our commitment goes beyond banking; it's about enriching our community and ensuring every member feels valued. With total deposits of $347 million and net worth reaching $491 million, we're proud to provide stability and growth opportunities for all our members. Ready to take the next step? Give us a call at 205-226-6800 or visit us online at Apco Employees for more information on how we can assist you in reaching your financial aspirations!

Branch History & Mission

A Legacy of Service and Community

At Apco Employees, we take pride in our rich history and unwavering commitment to our members. Established in 1953, our branch has been a cornerstone of financial support in Birmingham, Alabama. From humble beginnings, we have grown alongside our community, now serving over 85,000 members and managing assets totaling more than $3.5 billion. Located at 750 17th St N, Birmingham, AL 35203, our branch is easily accessible to all who seek financial guidance and services.

Community Connections

Beyond banking, we actively engage with our community through various outreach programs and partnerships. We strive to make a positive impact by supporting local initiatives that promote education, wellness, and economic growth. Our drive-thru service allows for quick transactions while ensuring that our members receive the assistance they need without delays. While you can visit us at our branch address for face-to-face support during our lobby hours from 8:30 AM to 4:30 PM, official correspondence can be sent to the same location as our mailing address: 750 17th St N, Birmingham, AL 35203.

Join Us Today!

We invite you to become part of the Apco Employees family. Experience the benefits of membership where people come first, and your financial success is our priority. Reach out today at 205-226-6800 or explore more about us on our website here. Together, let's build a brighter future!

Our Mission: Empowering Members for a Brighter Future

Our mission at Apco Employees is simple yet profound: to provide exceptional financial services while fostering a strong sense of community. We believe that everyone deserves access to affordable banking options and personalized support. Whether you're looking for checking and savings accounts, auto loans, mortgages, or business banking solutions, we are here to help you achieve your financial goals. We understand the importance of technology in today's world. That's why we offer online and mobile banking services, making it easier for you to manage your finances on the go. Our commitment to accessibility includes ADA compliance and user-friendly digital platforms that cater to all members.

Branch Location & Accessibility

Welcome to Apco Employees, your friendly neighborhood credit union located at 750 17Th St N in the heart of Birmingham, AL. Our branch is conveniently situated near popular local spots, making it easy for you to visit us while you're out and about. Whether you're grabbing a bite to eat or running errands, we're just a stone's throw away! At Apco Employees, we prioritize accessibility for all our members. Our branch is ADA compliant, ensuring that everyone can easily access our services. Ample parking is available nearby, allowing for a hassle-free visit. If you're on the go, take advantage of our drive-thru banking options for quick deposits and withdrawals without having to leave your vehicle. We understand that your time is valuable, which is why our lobby hours are designed with your convenience in mind. We're open from 8:30 AM to 4:30 PM on weekdays, ready to assist you with everything from personal banking needs like checking and savings accounts to auto loans and credit cards with rewards. Additionally, we offer ATM services right at our location, so you can access your cash anytime you need it. While members can visit us at 750 17Th St N for all their banking needs, official correspondence should be sent to the same address. If you have any questions or need assistance, don't hesitate to give us a call at 205-226-6800. We're here to help you achieve your financial goals! Come visit us today and experience the exceptional service that sets Apco Employees apart!

Member Eligibility

Joining Apco Employees is like stepping into a welcoming community where your financial needs are prioritized. To become a member, you'll find that the eligibility criteria are designed to be inclusive and straightforward. Typically, individuals who work for or are retired from specific employers, as well as their family members, can qualify for membership. This means if you have a connection to any of our partner organizations, you're likely eligible! The benefits of being part of Apco Employees include access to personalized banking services, competitive loan rates, and the security of knowing your financial well-being is in caring hands. If you're ready to take the next step, opening an account at Apco Employees is easy! You can check out the detailed eligibility requirements and get more information by visiting this link. If you have any questions or need assistance, don't hesitate to call us at (205) 226-6800. We're here to help you on your journey to becoming a valued member of our community at 750 17Th St N Birmingham Al 35203.

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 the funds you need to purchase new equipment, hire additional staff, or launch a marketing campaign. Our tailored loan products can turn these goals into reality, fueling your business's journey towards success.

Merchant Services

In addition to loans, we offer merchant services designed to simplify transactions and enhance customer experience. Picture this: your customers easily pay for their purchases using various methods credit cards, mobile payments, or even online transfers all while you focus on what you do best: running your business. With our expert guidance and comprehensive offerings, you'll find that managing your finances has never been easier. Located at 750 17Th St N Birmingham Al 35203 in Birmingham, AL, we're ready to partner with you for growth and success. Reach out at (205) 226-6800 today!

Comprehensive List Of Services

Cash Access and Transactions

Need cash quickly? Our branch offers ATM services for easy withdrawals and balance checks without waiting in line. Plus, with our basic drive-thru banking service, you can handle deposits, withdrawals, and simple transactions without ever having to leave your vehicle. Whether you're stopping by for assistance or using our digital tools at home, we're here to serve you with friendly support every step of the way. For any questions or further information about how we can assist you in achieving your financial goals, feel free to call us at (205) 226-6800. Join us at Apco Employees today your trusted partner in financial success!

Credit Cards and Business Banking

We understand that rewards matter, which is why we offer credit cards with rewards that allow you to earn points on every purchase. For our members who are business owners, our business banking services include merchant services and business loans tailored to support your company's growth.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Main Office, we provide robust online and mobile banking features. With just a few taps on your smartphone or clicks on your computer, you can manage your accounts, pay bills, transfer funds, and even access person-to-person payment options making banking easier than ever.

Personal Banking Solutions

For those managing daily expenses, our personal banking services include checking and savings accounts that help you keep track of your money while earning interest. If you're considering buying a car or need financing for other vehicles, our auto loans and vehicle financing options make it easy to get on the road without breaking the bank. Homeowners and prospective buyers will benefit from our mortgage loans and refinancing options, which offer competitive rates and flexible terms to suit various budgets. Additionally, if you're facing debt challenges, our personal loans and debt consolidation services can help you regain control over your finances.

Digital & Online Banking

Key Services

Our online banking platform at https://www.southernenergycu.org/ allows you to check balances, pay bills, and transfer funds with just a few clicks. Whether you're using a computer or our user-friendly mobile application, staying on top of your finances has never been simpler. Need to send money to a friend? Our person-to-person transfer feature lets you do just that without any hassle. Plus, with mobile payments enabled, making purchases is quick and convenient just tap and go!

Security and Convenience

We prioritize your security, so you can rest easy knowing that your information is protected while using our services. While we currently do not offer electronic signature authorization, our systems are designed to keep your data safe during every transaction. Another great feature is our e-statements availability. Say goodbye to paper clutter and easily access your statements electronically whenever you need them. This not only helps the environment but also makes it easier for you to manage your records. With all these features combined, Apco Employees ensures that managing your finances is straightforward and efficient. Join us today and experience the freedom of digital banking that fits into your lifestyle!

Financial Strength

A Growing Trust

We currently boast a total of 171,866 share accounts, showcasing a strong and growing member base that trusts us with their finances. With net shares available for lending at $0, you can feel confident knowing that your money is being utilized effectively. 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 750 17Th St N Birmingham Al 35203 or call (205) 226-6800 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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. This focus is evident as we have no non-member deposits ensuring that our resources are dedicated to benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $7,974,388, which enables us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 157 full-time employees and 12 part-time employees. This dedicated team ensures that our branches are always ready to serve you with knowledge and commitment.

Reinvesting in Our Community

With $20,000,000 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors, with $5,662 in used auto loans and $900,683,806 in total loans and leases.

Strong Financial Health

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. Our net worth ratio of $1,400 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $91,478,066 in used vehicle loans and $100,944,385 in new vehicle loans, helping members get on the road with confidence. Whether you're considering a brand-new model or a reliable pre-owned vehicle, we are here to support your journey.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Property loans totaling $37,435,240, allowing you to explore various pathways to secure your dream home. Our experienced team will guide you through the process so that you can make informed decisions.

Other Lending Options

In addition to these primary offerings, we provide credit lines with a total value of $957,244,750, giving our members access to quick funds when they need them most. If you're considering refinancing or exploring eligibility options for any of our products, our dedicated team is ready to assist you in navigating those choices. For performance insights and financial data regarding our services and community impact, please refer to the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Our goal at Apco Employees is not just to lend money but also to empower you with the financial tools necessary for success. Visit us today or call us at 205-226-6800 to learn more about how we can help you achieve your financial aspirations!

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $32,454,970 in loans helping members manage their finances effectively. This option provides the financial flexibility you need while keeping your budget in check.

Loan Aggregator

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Apco Employees