Apco Employees Credit Union Birmingham AL | Affordable Auto Loans & Low Mortgage Rates

Introduction

Welcome to Apco Employees, your trusted partner in financial services located at 3535 Colonnade Pkwy, Birmingham, AL 35243. Since our establishment in 1953, we have been dedicated to serving our community, boasting a robust membership of 85,419 members who rely on us for their financial needs. With total assets exceeding $3.5 billion, we take pride in offering personalized banking solutions that fit the diverse needs of our members. At Apco Employees, we understand that every financial journey is unique. That's why we provide a wide range of services from checking and savings accounts to auto loans, mortgage financing, and credit cards with rewards. With total deposits amounting to $347,253,658, our strong financial foundation allows us to offer competitive loan options to help you achieve your goals. Our leadership team, headed by CEO Derrick Ragland and Board President Gregg Shipp, is committed to fostering a supportive environment where every member feels valued. Our knowledgeable staff of 169 employees is here to assist you with all your banking needs. Whether you're looking to open an account or apply for a loan, we're ready to help. While members can visit us at our branch location, official correspondence should be sent to the same address: 3535 Colonnade Pkwy, Birmingham, AL 35243. If you have any questions or need assistance, please feel free to call us at 205-992-5030. Join us at Apco Employees and experience the difference of being part of a credit union that truly cares about its members. Visit our website at apcocu.org for more information or stop by today!

Branch History & Mission

Welcome to Apco Employees, where our journey began in 1953. Since our founding, we have been dedicated to serving the vibrant community of Birmingham, AL, from our branch located at 3535 Colonnade Pkwy. Over the years, we have grown alongside our members, building a strong legacy rooted in trust and service. As of now, we proudly serve over 85,000 members and manage total assets amounting to an impressive $3.5 billion. Our mission is clear: we strive to empower individuals and families through accessible financial services while fostering a supportive community environment. We believe that everyone deserves the opportunity to achieve their financial goals, whether it's through personal banking solutions like checking and savings accounts or tailored loan options for auto financing and mortgages. At Apco Employees, we are more than just a credit union; we are a partner in your financial journey. Our commitment extends beyond providing exceptional financial products. We actively engage with our community through various outreach initiatives and partnerships that aim to uplift those around us. While members can visit us at 3535 Colonnade Pkwy, official correspondence should be sent to the same address for convenience. Our operating hours are Monday through Friday from 8:30 AM to 4:30 PM, making it easy for you to access our services when you need them most. We offer convenient features such as ATM availability for quick cash access and robust online banking options that allow you to manage your finances on-the-go. Although we do not currently provide drive-thru services or shared service centers, our team is always ready to assist you in person or over the phone at 205-992-5030. As we move forward, our focus remains on innovation and inclusivity. We are committed to ensuring that all members can easily access our services while promoting ADA compliance throughout our facilities. Join us at Apco Employees and experience the difference of a credit union that truly cares about its members. Together, let's build a brighter financial future!

Branch Location & Accessibility

Connect With Us

If you have any questions or want to learn more about our services, feel free to give us a call at 205-992-5030. We're here to assist you and look forward to welcoming you at our branch soon! Come visit us today and discover how we can help with your financial journey!

Easy Access and Parking

Finding us is straightforward. Our location offers ample parking for your convenience, ensuring that you can stop by without any hassle. The branch is designed with accessibility in mind, featuring ramps and ADA-compliant entrances to accommodate all members. While members can visit us at 3535 Colonnade Pkwy, official correspondence should be sent to the same address. This way, you can ensure that your important documents reach us without delay.

Operating Hours

We understand that life can get busy! That's why we're here to serve you Monday through Friday from 8:30 AM to 4:30 PM. Whether you're looking to open a new account or need assistance with loans or services, our friendly team is ready to help during these hours.

Services Available

At Apco Employees, we offer a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, our ATM availability means you can access cash whenever you need it! Although we don't have drive-thru banking at this location, our team is dedicated to providing quick service inside the branch. We also offer online and mobile banking for added convenience perfect for managing your finances on the go.

Member Eligibility

At Apco Employees, we believe that everyone deserves a chance to be part of a supportive community where your financial needs come first. Becoming a member is easier than you might think! If you live, work, or worship in the areas we serve, you're likely eligible to join us. We welcome individuals and families who are looking for a more personalized banking experience, along with exclusive benefits tailored just for our members. You can find detailed eligibility criteria on our website at . Opening an account with us is a straightforward process that puts you on the path to enjoying all the perks of membership. Whether you're interested in savings accounts, loans, or other financial services, we're here to help every step of the way. For any questions or assistance, feel free to give us a call at (205) 992-5030. We can't wait to welcome you to the Apco Employees family!

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'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

Imagine running your daily operations without the hassle of managing payments. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. Whether it's processing credit card payments or managing online sales, we've got the tools that help streamline your financial processes. Visit us at 3535 Colonnade Pkwy Birmingham Al 35243 in Birmingham, AL or give us a call at (205) 992-5030 to learn more about how we can support your business goals!

Comprehensive List Of Services

Accessibility & Convenience

We understand that convenience is key in today's fast-paced world. That's why we provide ATM services where you can withdraw cash or check balances effortlessly. Plus, with features like person-to-person payments available through our digital banking platform, sending money to friends or family is just a few clicks away. At Apco Employees, we are committed to making your banking experience as smooth as possible. For any questions or further information on how we can assist you financially, don't hesitate to reach out at (205) 992-5030. We're here to help! Visit us today at Energy Center At The Colonnade and discover how our comprehensive list of services can empower your financial journey.

Business Banking

If you're an entrepreneur or business owner, we haven't forgotten about you! Our business banking services include merchant services and business loans tailored to support your growing enterprise. With our dedicated team ready to assist you, managing your business finances has never been easier.

Credit Cards

For those who like rewards for their spending, our credit cards come with great perks. You can earn points for every dollar spent, which can be redeemed for travel, merchandise, or cash back. It's an excellent way to make your purchases work harder for you!

Home Financing

Thinking about buying a home? Our mortgage loans and refinancing options can help make that dream a reality. With personalized guidance through every step of the process, you'll feel confident as you navigate the housing market. Plus, if you're looking to consolidate debt, our personal loans can provide relief by combining multiple payments into one manageable monthly amount.

Personal Banking

Our personal banking options include checking and savings accounts designed to meet your everyday needs. Imagine having easy access to your funds with our user-friendly online and mobile banking platforms. You can check balances, transfer money, and pay bills from the comfort of your home or on the go. We also offer competitive auto loans and vehicle financing solutions, making it easier for you to get behind the wheel without breaking the bank.

Digital & Online Banking

Key Features of Our Digital Banking Services

With our online banking portal, accessible through https://www.southernenergycu.org/, you can take control of your accounts effortlessly. You'll have access to 24/7 online banking services, allowing you to check balances, pay bills, and transfer funds whenever it suits you. Plus, with e-statements available, you can keep track of your transactions in a convenient digital format without the hassle of paper statements. Need to send money quickly? Our person-to-person transfer feature makes it simple to send money to friends and family with just a few taps. And if you're someone who prefers using your smartphone for transactions, you'll love our mobile application, which supports mobile payments for even more convenience.

Security and Ease of Use

We prioritize your security while ensuring an easy experience. While we currently do not offer electronic signature authorization, rest assured that all transactions through our platform are protected with top-notch security measures. This way, you can manage your finances with peace of mind. In short, Apco Employees offers robust digital banking services that provide accessibility and real-time account management right at your fingertips. Join us today and experience the ease of managing your finances from wherever life takes you!

Financial Strength

A Strong 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. 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.

Commitment to 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.

Growing Together

Total Share Accounts stand strong at 171,866, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $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 3535 Colonnade Pkwy Birmingham Al 35243 or call (205) 992-5030 to learn more about how we can help you achieve your financial goals.

Member-Focused 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 operational efficiency shines through with a net income of $7,974,388, 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have issued over $91,478,066 in used vehicle loans and $100,944,385 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new vehicle or a reliable used option, we have financing solutions tailored just for you.

Credit Lines

For those looking for additional flexibility, our credit lines amounting to $957,244,750 provide an excellent option for unexpected expenses or planned purchases. This resource allows you to borrow what you need while maintaining control over your finances. Our goal is to make sure you find the right loan product that fits your lifestyle and budget. If you're considering refinancing options or want to learn more about eligibility requirements for any of our products, don't hesitate to reach out! You can contact us at (205) 992-5030 during our operating hours from 8:30 AM to 4:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're committed to providing clear and practical information so that you can make informed decisions about your financial future at Apco Employees.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and straightforward. We offer Junior Lien 1-4 Family Residential Properties loans totaling $37,435,240, giving you the chance to invest in your future with confidence.

Unsecured Credit Card Loans

Managing expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans. With a total of $32,454,970 in loans helping our members manage their finances effectively, you can enjoy peace of mind knowing that you have access to funds when you need them most.

Loan Aggregator

Benefits of Using LendMesh

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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). This commitment to accuracy ensures that users receive fair and transparent offers tailored to their needs. By relying on verified financial institutions, LendMesh guarantees that all loan offers are legitimate and trustworthy.

Apco Employees