Apco Employees Credit Union Birmingham AL | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Apco Employees, your trusted financial partner located at 6400 Tattersall Park Dr, Birmingham, AL 35242. Since our establishment in 1953, we have been dedicated to serving our community and fostering strong relationships with our members. With a total membership of 85,419, we pride ourselves on being more than just a credit union; we are a family that supports each other through every financial journey. Our commitment to your financial well-being is reflected in our impressive assets of over $3.5 billion and total deposits reaching $347,253,658. Whether you need personal banking solutions or business services, we offer a wide range of options tailored to meet your needs. From checking and savings accounts to auto loans and mortgage financing, we're here to help you achieve your financial goals. Led by our CEO, Derrick Ragland, and Board President, Gregg Shipp, our team of 169 employees is ready to assist you with personalized service that prioritizes your needs. You can trust us to provide reliable support every step of the way. While members can visit us at our branch for various services including ATM access and drive-thru banking official correspondence should be sent to the same address: 6400 Tattersall Park Dr, Birmingham, AL 35242-4242. We invite you to explore what makes us different. Visit our website at Apco Employees or call us at 205-547-9400 for more information about how we can assist you today!

Branch History & Mission

At Apco Employees, we take pride in our rich legacy that began in 1953. Our branch, located at 6400 Tattersall Park Dr, Birmingham, AL 35242, has been a cornerstone of the community for decades, serving as a reliable financial partner to our members. With a total membership of over 85,000 and assets exceeding $3.5 billion, we have grown to become a trusted name in personal and business banking. Since opening our doors, we have embraced the evolving needs of our community. We are not just about numbers; we are about people. Our mission is simple yet profound: to provide exceptional financial services while supporting the growth and well-being of our community. We believe that everyone deserves access to quality financial products and services tailored to their individual needs. Over the years, Apco Employees has made significant strides in enhancing our offerings. We provide a range of services from checking and savings accounts to auto loans and mortgage refinancing. Our commitment to innovation ensures that members can easily access their accounts through online banking and mobile payments, making banking convenient and efficient. As part of our dedication to inclusivity, we maintain ADA compliance across our facilities and offer shared service centers for added convenience. This means that even if you're away from your home branch, you can still enjoy seamless banking experiences. Our drive-thru service allows members to complete simple transactions without leaving their cars, further emphasizing our focus on customer convenience. We also offer ATM access for quick cash withdrawals or balance checks any time of day. While members can visit us at 6400 Tattersall Park Dr Birmingham Al 35242, official correspondence should be sent to 6400 Tattersall Park Dr, Birmingham, AL 35242-4242. If you have any questions or need assistance, feel free to reach out to us at (205) 547-9400 during our lobby hours from 8:30 AM to 4:30 PM on weekdays. At Apco Employees, we are more than just a credit union; we are your neighbors committed to giving back through community outreach efforts and partnerships with local organizations. Our goal is not only to support your financial journey but also uplift the community we serve. We invite you to join us at Apco Employees and experience firsthand the benefits of being part of a caring financial family that puts its members first. Your journey towards financial success starts here!

Branch Location & Accessibility

Welcome to the Apco Employees branch, located at 6400 Tattersall Park Dr, in the vibrant city of Birmingham, AL. Nestled in beautiful Shelby County, our location is easily accessible and conveniently situated near local landmarks that make it a breeze for you to stop by. Whether you're heading from home or work, you'll find us just a short drive away. At our branch, we prioritize your convenience. We offer ample parking with ADA-compliant features, ensuring everyone can access our services with ease. If you're looking for quick banking solutions, our drive-thru service is perfect for deposits and withdrawals without leaving your car. Plus, we have an ATM available for those times when you need cash on the go. Our friendly team is here to assist you during our operating hours: Monday through Friday from 8:30 AM to 4:30 PM. Whether you're interested in personal banking, auto loans, or online services, we're ready to help meet your financial needs. While members can visit us at 6400 Tattersall Park Dr, official correspondence should be sent to the same address. Feel free to give us a call at 205-547-9400 if you have any questions or need assistance before your visit. We invite you to drop by and discover how we can support your financial journey!

Member Eligibility

At Apco Employees, we believe that everyone deserves a place in our community where they can grow and thrive. If you're looking to join us, becoming a member is easier than you might think! Our membership is open to individuals who live, work, or worship in the areas we serve, along with their families. This means if you're part of our local community in and around 6400 Tattersall Park Dr Birmingham Al 35242, you're likely eligible to enjoy the many benefits we offer, including competitive rates on loans and personalized financial services. To learn more about the specific eligibility requirements, feel free to check out our resource at . And when you're ready to take the next step, opening an account with us is simple! Just give us a call at (205) 547-9400, and our friendly team will be happy to guide you through the process. Join us today and experience the supportive environment that makes Apco Employees not just a credit union, but a true partner in your financial journey!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Running a business means managing day-to-day transactions efficiently. Our merchant services offer reliable payment processing options that simplify transactions for both you and your customers. Imagine being able to accept payments effortlessly whether in-person or online helping you serve your clients better and grow your bottom line. Visit us at 6400 Tattersall Park Dr Birmingham Al 35242 in Birmingham, AL, or call us at (205) 547-9400 to learn how our business banking and commercial services can empower your entrepreneurial journey.

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash quickly? Our ATM services ensure that you can access your funds without hassle. We also offer basic drive-thru banking for quick deposits and withdrawals ideal for those on the go. If you're a member of a partner credit union, you can enjoy shared branch transactions right here at Apco Employees, making it even more convenient to manage your finances. In summary, whether you need help with personal banking or business services, Apco Employees has everything covered under one roof. We pride ourselves on being part of the community and serving our members with care. If you'd like to learn more about how we can assist you or if you're ready to take the next step in achieving your financial goals, give us a call at (205) 547-9400 or visit us in person at our branch!

Business Banking Services

For our business members, we offer a suite of banking services including merchant services and business loans. These tools are designed to help your business thrive in today's competitive environment. Whether you're starting a new venture or expanding an existing one, we have solutions that support your growth.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features, allowing you to manage your accounts anytime, anywhere. With options like mobile payments and person-to-person transfers, handling your finances has never been easier.

Personal Banking Solutions

Our personal banking services start with checking and savings accounts that cater to various lifestyles and goals. We understand that everyone's financial situation is unique, so we offer options that fit different needs. If you're considering purchasing a new vehicle, our auto loans and vehicle financing solutions will guide you through the process, ensuring you find the best fit for your budget. When it comes to homeownership, we have mortgage loans and refinancing options tailored just for you. If unexpected expenses arise, our personal loans and debt consolidation services can ease your financial burden by offering manageable repayment plans. Plus, don't forget about our credit cards with rewards perfect for those who want to earn while they spend!

Digital & Online Banking

At Apco Employees, we understand that life can get busy, and managing your finances shouldn't add to your stress. That's why we've made our digital and online banking services as convenient and secure as possible. With just a few clicks or taps, you can access your accounts anytime, anywhere. Our online banking platform, available at https://www.southernenergycu.org/ , offers a variety of features designed to make your banking experience smooth and hassle-free. You can check your account balances, transfer funds, and even set up e-statements for easy record-keeping. Enjoy the benefits of going paperless with our e-statements, ensuring that you have all your financial information at your fingertips without cluttering your mailbox. For those who are always on the go, our mobile application is here to help. It allows you to manage your accounts directly from your smartphone. Whether you're making mobile payments or sending money through person-to-person transfers, our app puts the power of banking in your hands. Plus, with the added layer of security for transactions, you can feel confident knowing that your data is protected. With 24/7 online banking services, you never have to worry about rushing to the bank before it closes. You can access everything you need right when you need it. We also offer electronic signature authorization for certain transactions, making it easier than ever to complete paperwork from the comfort of your home. Overall, our goal at Apco Employees is to provide accessible and user-friendly banking solutions that fit seamlessly into your lifestyle. Join us today and experience the ease of managing your finances with confidence!

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts stand at 171,866, showcasing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 6400 Tattersall Park Dr Birmingham Al 35242 or call (205) 547-9400 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. 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 Efficiency

Our robust $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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

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 Position

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, with over $91,478,066 in used vehicle loans and $100,944,385 in new vehicle loans already helping members get on the road. We provide flexible terms that cater to your budget and lifestyle. Plus, refinancing options are available if you're looking to reduce your current payments or secure a better rate.

Credit Lines

For those who need more flexibility in managing their cash flow, our total credit lines amounting to $957,244,750 allow you to access funds as needed while maintaining control over your spending. This way, you can tackle emergencies or larger purchases without hassle. At Apco Employees Credit Union, we pride ourselves on being more than just a financial institution; we're a community partner committed to supporting our members' financial well-being. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Explore how our loan offerings can help you today! Visit us online or call us at (205) 547-9400 for more information on eligibility and account opening procedures. We're here to help you navigate your options every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $37,435,240, providing you with the support needed for such an important investment. Our team is dedicated to guiding you through the mortgage process so that you can focus on what matters most making your house a home.

Unsecured Credit Card Loans

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. Whether you're looking to consolidate debt or cover unexpected expenses, our credit card options are designed to give you peace of mind without breaking the bank.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures 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 ), ensuring fair and transparent offers. This commitment to accuracy means users can trust the information they receive when comparing loans.

SOUTHERN ENERGY CREDIT UNION - Birmingham, AL

Type of Loan Offerings

Personal Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Birmingham, AL (35242)