Apco Employees Credit Union Chelsea AL | Affordable Auto Loans & Business Banking

Introduction

Welcome to Apco Employees, where your financial well-being is our top priority! Located at 370 Chelsea Crossroads, Chelsea, AL 35043, we have been proudly serving our community since 1953. With a dedicated team of 169 employees and a total membership exceeding 85,000, we are committed to providing personalized financial solutions tailored to your needs. At Apco Employees, we understand that trust and reliability are essential in building lasting relationships with our members. That's why we've established ourselves as a cornerstone of the Chelsea community, offering a wide range of services including personal banking, auto loans, mortgage refinancing, and business banking solutions. With total assets of over $3.5 billion and deposits amounting to $347,253,658, we maintain a strong financial foundation to support your goals. Our leadership team, led by CEO Derrick Ragland and Board President Gregg Shipp, is passionate about fostering a culture of excellence and service within our credit union. We pride ourselves on our commitment to transparency and member satisfaction. You can reach us at (205) 678-8406 for any inquiries or assistance. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 370 Chelsea Crossroads, Chelsea, AL 35043. Join us today at Apco Employees and experience the difference that comes with being part of a community-focused credit union! Whether you're looking for guidance on loans or need help with everyday banking services, we're here for you every step of the way. Visit our website at apcocu.org or give us a call we can't wait to assist you!

Branch History & Mission

At Apco Employees, located at 370 Chelsea Crossroads in Chelsea, Alabama, our journey began in 1953. From the very start, we have been committed to serving our community with integrity and dedication. Over the years, we have grown significantly, now proudly supporting a total membership of over 85,000 individuals. As part of our mission to provide exceptional financial services, we have accumulated total assets of approximately $3.5 billion, a testament to the trust placed in us by our members. Our branch has always been more than just a place for transactions; it's a hub for community connection and support. We understand that financial well-being is crucial for every family and business in Chelsea and beyond. Our mission is clear: to empower our members by offering reliable banking solutions tailored to meet their unique needs while fostering a spirit of cooperation and support within our community. Apco Employees takes pride in being ADA compliant, ensuring all our members can access our services comfortably. With features like drive-thru banking and ATM availability, we strive to make banking as convenient as possible. Our operating hours are designed with your schedule in mind open Monday through Friday from 8:30 AM to 4:30 PM. As part of our commitment to innovation, we provide modern banking solutions such as online and mobile banking. This allows you to manage your finances anytime and anywhere, making it easier than ever to stay connected with your money. While members can visit us at 370 Chelsea Crossroads, official correspondence should be sent to the same address since there is no difference between our branch and mailing addresses. We believe in giving back to the community that has supported us throughout the years. Through partnerships with local organizations and active involvement in community outreach programs, we aim to uplift those around us. Together with our passionate team 169 employees strong we work tirelessly to ensure that everyone feels valued and supported. If you're looking for a financial partner that genuinely cares about your success and well-being, we invite you to join Apco Employees today. Experience firsthand how we can help you achieve your financial goals while being part of a caring community dedicated to making a difference. For inquiries or assistance, feel free to contact us at (205) 678-8406.

Branch Location & Accessibility

Easy Access and Convenient Hours

Finding us is easy! Our branch sits close to local landmarks, making it simple for you to pop in during your day. With ample parking available, you can park with ease and walk straight into our welcoming lobby. Our operating hours are set up to fit your schedule we're open Monday through Friday from 8:30 AM to 4:30 PM, ensuring that you have plenty of time to take care of your banking needs.

Join Us Today!

Our friendly team is ready to assist you with everything from checking and savings accounts to auto loans and credit cards with rewards. We invite you to stop by our branch or give us a call at 205-678-8406 if you have any questions or need assistance. At Apco Employees, we're not just a credit union; we're part of your community!

Services Tailored for You

At Apco Employees, we offer a variety of services tailored just for you. Need cash? Our ATM is available on-site for quick withdrawals and balance checks. Prefer personal service? Our drive-thru banking allows you to handle deposits and withdrawals without leaving your vehicle perfect for those busy days when every minute counts. We also provide shared services for partner credit union members, so you can conduct basic transactions seamlessly. If your official correspondence needs to go elsewhere, please note that while members can visit us at our branch address, any mail should be sent to the same location at 370 Chelsea Crossroads, Chelsea, AL 35043.

Member Eligibility

At Apco Employees, we believe that everyone deserves a chance to be part of a caring community that supports their financial journey. Becoming a member is easy! If you live, work, or worship in the area, you're likely eligible to join us. We welcome individuals from various backgrounds and professions, aiming to create a diverse and inclusive environment. For specific eligibility criteria, please check out our detailed information at . Joining Apco Employees not only opens the door to personalized banking services but also connects you with financial resources tailored to your needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage options, we're here to help every step of the way. To start your membership journey, feel free to reach out at (205) 678-8406, or visit us at our branch located at 370 Chelsea Crossroads Chelsea Al 35043. We're excited to have you on board!

Business Banking & Commercial Services

Commercial Loans

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

In today's fast-paced market, accepting payments efficiently is crucial. Our merchant services offer reliable payment processing solutions that simplify transactions for your customers. Imagine a busy Saturday at your local café; with our services, you can quickly process credit card payments while keeping lines moving smoothly. This not only enhances customer satisfaction but also helps increase sales! Explore how Apco Employees can support your business journey at our convenient location at 370 Chelsea Crossroads Chelsea Al 35043, Chelsea, AL. For more information, feel free to call us at (205) 678-8406!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash quickly? Our ATM services allow you to withdraw cash without stepping inside the branch. Plus, our drive-thru service makes it easy to conduct basic transactions like deposits and withdrawals without leaving your vehicle.

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our competitive auto loans and vehicle financing options make it simple to drive away in the car of your dreams. With flexible terms and personalized service, we'll help you find a loan that fits your budget and needs.

Business Banking Services

For small business owners, Apco Employees provides comprehensive business banking solutions, including merchant services and business loans. We understand that running a business comes with its own set of challenges, so we're here to support you every step of the way.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. You can manage your finances anytime and anywhere whether making quick payments, checking account balances, or transferring money between accounts all from the comfort of your home or on-the-go.

Credit Cards with Rewards

Our credit cards come with rewards that let you earn points for everyday purchases. Whether you're filling up your gas tank or shopping for groceries, those points can add up quickly, giving you something back just for using your card.

Mortgage Loans & Refinancing

If homeownership is on your mind, our mortgage loans are designed to make the process straightforward and stress-free. We also offer refinancing options to help you save on interest or access equity in your home. Picture turning that extra space into a cozy office or a playroom for the kids with the help of funds from refinancing.

Personal Banking Solutions

When it comes to personal banking, Apco Employees has you covered with checking and savings accounts designed for every lifestyle. Whether you're saving for a dream vacation or managing monthly bills, our accounts provide flexibility and convenience. You can easily access your funds through our online and mobile banking platforms. Imagine checking your balance or transferring money from your phone while waiting in line at the grocery store!

Shared Branch Transactions

As part of our commitment to serving our members better, we offer shared branch transactions for members of partner credit unions. This means even if you're away from home, you can still deposit or withdraw funds hassle-free. At Apco Employees, we prioritize providing exceptional service with ease and accessibility in mind. If you're ready to explore how we can assist you further or have any questions about our offerings, don't hesitate to reach out! Call us today at (205) 678-8406 or visit us at 370 Chelsea Crossroads Chelsea Al 35043 in Chelsea, AL. Your financial future starts here!

Digital & Online Banking

Key Features of Our Online Banking Services

With our online banking, you can view account balances, transfer funds, and pay bills with just a few clicks. No need to worry about long lines at the branch! You can also take advantage of electronic statements, so you'll always have quick access to your financial records without the clutter of paper. For those who enjoy using their smartphones, our mobile application is here to help. It's easy to navigate, allowing you to manage your finances wherever life takes you. Plus, with mobile payments enabled, you can make purchases directly from your phone making shopping quick and hassle-free!

Safe and Secure Transactions

Security is a big concern when it comes to online banking. At Apco Employees, we use advanced technology to protect your information. While we don't currently offer electronic signature authorization, rest assured that all transactions are secure and monitored for any suspicious activity. Whether you're sending money to a friend or family member through our person-to-person transfer feature or simply checking your balance, you'll feel confident knowing your information is safe with us.

Stay Connected Anytime

Our digital banking services empower you with real-time account management. With everything from e-statements to mobile applications at your fingertips, managing your finances has never been more accessible or straightforward. Join us today and experience the convenience of modern banking with Apco Employees!

Financial Strength

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.

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 $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.

Solid 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.

Trusted Partnership

Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 171,866, showing a strong and growing member base that trusts us with their finances. 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 370 Chelsea Crossroads Chelsea Al 35043 or call (205) 678-8406 to learn more about how we can help you achieve your financial goals.

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. Whether you're buying new or used, our financing options are flexible and tailored to fit your budget.

Credit Lines

For those who need more flexibility in their finances, our total credit lines amount to $957,244,750, giving you access to funds when you need them without the hassle of applying for multiple loans.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $37,435,240, make buying or refinancing simple. We work with you every step of the way to ensure that the process is as smooth as possible.

Refinancing Options

If you're looking to lower your monthly payments or interest rates on existing loans, we have refinancing options available that could save you money in the long run. Be sure to ask about eligibility when you contact us! At Apco Employees, our goal is to empower you with financial solutions tailored for your unique situation. For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take that next step toward achieving your dreams. Visit us today!

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. These cards provide an easy way to handle daily expenses while offering rewards that can benefit your spending habits.

Loan Aggregator

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Apco Employees