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

Introduction

Welcome to Apco Employees, your trusted financial partner since 1953. Located at 1872 7Th St S, Clanton, AL 35045, our branch is dedicated to providing exceptional service and support to our 85,419 members. With a strong commitment to the community and a robust portfolio of services, we strive to make banking as accessible and beneficial as possible. At Apco Employees, we pride ourselves on our impressive financial standing. Our total assets amount to an impressive $3,509,874,314, reflecting our stability and reliability in managing your finances. We currently hold $347,253,658 in deposits and have successfully issued 34,276 loans, ensuring our members have the resources they need for their personal and business endeavors. Our leadership team plays a pivotal role in guiding our mission. Led by CEO Derrick Ragland and Board President Gregg Shipp, we are committed to creating meaningful relationships with our members while fostering financial literacy and empowerment within the community. While you can visit us at our Clanton location for all your banking needs, please note that any official correspondence should be directed to our mailing address at 2030 7th St N, Clanton, AL 35045. We invite you to explore our wide range of services including personal banking accounts, auto loans, mortgage options, credit cards with rewards, and more all designed with your needs in mind. If you have questions or want to learn more about how we can assist you on your financial journey, don't hesitate to call us at 205-280-0366. Join us today at Apco Employees and experience the difference of a community-focused credit union!

Branch History & Mission

Commitment to Excellence

With operating hours from 8:30 am to 4:30 pm on weekdays, we ensure that help is always available when you need it most. Our branch features both ATM access and drive-thru banking for quick transactions. We're also proud of our digital advancements that enhance your banking experience with online services available at your fingertips. As we look toward the future, we remain committed to meeting the evolving needs of our members while upholding our values of trust, integrity, and service excellence. Join us today at Apco Employees! Experience firsthand how we can support your financial goals while being an integral part of the Clanton community. For inquiries or assistance, feel free to reach out at (205) 280-0366 we're here for you!

Our Journey

Located at 1872 7Th St S, Clanton, AL 35045, Apco Employees has been a trusted partner for families and businesses alike. From our humble beginnings, we've embraced innovation while staying true to our mission of providing accessible financial services tailored to the unique needs of our members. As we evolved through the years, we've consistently expanded our offerings from checking and savings accounts to auto loans and mortgages ensuring that we meet every stage of your financial journey. Our branch is more than just a financial institution; it's a hub for community engagement. We believe in giving back to Clanton and surrounding areas through various outreach programs and partnerships that uplift those around us. Whether it's sponsoring local events or supporting educational initiatives, Apco Employees is committed to making a positive impact.

Our Mission

At the heart of Apco Employees is a simple yet profound mission: to empower our members through exceptional financial services while nurturing a sense of belonging within the community. We strive to create an environment where everyone feels valued and supported. Our comprehensive suite of services including personal banking options, auto financing, credit cards with rewards, and business banking solutions is designed not only for convenience but also for fostering growth. While members can visit us at 1872 7Th St S Clanton Al 35045, official correspondence should be sent to our mailing address at 2030 7th St N, Clanton, AL 35045.

Branch Location & Accessibility

ATM and Communication

Need cash? Our ATM is available on-site for your convenience. If you prefer speaking with us directly, don't hesitate to call us at 205-280-0366. While members can visit us at this address for all banking needs, please send any official correspondence to our mailing address at 2030 7th St N, Clanton, AL 35045. We invite you to come visit us soon! Our friendly staff is eager to assist you in achieving your financial aspirations.

Easy Access and Parking

Our branch offers ample parking, ensuring you can visit without any hassle. Plus, we're committed to accessibility; our facilities are designed to be friendly for everyone, including those who may need ADA-compliant features such as ramps.

Operating Hours

We're here to serve you during convenient hours from 8:30 AM to 4:30 PM, Monday through Friday. Whether you need assistance with a personal loan, checking account, or simply want to chat about your financial goals, our team is ready to help.

Services Offered

At Apco Employees, we provide a range of services tailored for both personal and business banking. From checking and savings accounts to auto loans and mortgage refinancing, our offerings are designed with you in mind. Don't forget that we also have a drive-thru available for quick transactions!

Member Eligibility

At Apco Employees, we believe that becoming a member means joining a community that truly cares. If you live, work, or worship in the Clanton area, you're likely eligible to join us! We welcome individuals from various backgrounds and professions, making it easy for you to access our friendly services. To find out more about specific eligibility criteria, feel free to check our detailed information at . Not only will you enjoy great financial products like checking and savings accounts, auto loans, and more, but you'll also become part of a supportive network that prioritizes your needs. Opening an account with us is simple! Just give us a call at (205) 280-0366 during our operating hours from 8:30 am to 4:30 pm, or visit us at 1872 7Th St S Clanton Al 35045. Our team is here to guide you through the process and answer any questions you might have. We can't wait to welcome you into the Apco Employees family!

Business Banking & Commercial Services

Lending Solutions

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

Managing transactions smoothly is vital for any business. Our merchant services offer tools that simplify payment processing, allowing you to focus on what you do best running your business. Imagine being able to accept payments effortlessly, whether it's in-store or online. This ensures that your customers have a seamless experience while shopping with you. Located at 1872 7Th St S Clanton Al 35045 in Clanton, AL, we invite you to explore how our tailored services can help your business thrive. For more information, call us at (205) 280-0366 or visit our website at https://www.southernenergycu.org/.

Comprehensive List Of Services

Accessibility

We recognize how important accessibility is in today's fast-paced world. That's why we've made sure our services include convenient options like basic ATM access for withdrawals and balance checks. Ready to take advantage of these fantastic services? Give us a call at (205) 280-0366, or visit us at our Clanton branch location today! We're here to help you achieve your financial goals with ease and confidence.

Business Banking

For our business members, we offer comprehensive business banking solutions including merchant services and business loans. We know that managing a business comes with its own set of challenges, so we aim to simplify your financial processes.

Credit Cards

Don't forget about our credit cards with rewards! These cards not only offer convenience but also give you points for every dollar spent, allowing you to earn rewards that can be used for travel, shopping, or even cash back.

Digital Banking Convenience

At Apco Employees, we embrace technology to make banking easier for you. Our robust online and mobile banking platforms allow you to manage your accounts anytime, anywhere. You can check balances, pay bills, transfer funds, and even send money through our person-to-person payment service with just a few taps on your smartphone. Need quick cash? Our ATM & cash withdrawal services ensure you're never far from access to your funds. Plus, enjoy the ease of our basic drive-thru banking for quick deposits and withdrawals without having to leave your car.

Personal Banking

Our personal banking services are designed to fit your lifestyle. With checking and savings accounts, you can easily manage your day-to-day finances while also setting aside funds for future goals. If you're thinking about buying a car, our auto loans and vehicle financing options make it simple and affordable to get behind the wheel of your dream ride. For those considering homeownership or looking to refinance, our mortgage loans and refinancing solutions offer competitive rates and flexible terms to help you secure that perfect home. Additionally, if you're facing unexpected expenses, our personal loans and debt consolidation options can provide the support you need.

Digital & Online Banking

Key Services Offered

Our online banking service is available 24/7, ensuring you can check your balance, transfer funds, and pay bills whenever it suits you. If you're always on the go, our mobile application is here to help. It provides all the features you need right at your fingertips, including mobile payments that allow you to make purchases effortlessly. We also understand the importance of staying informed about your financial activities. That's why we offer e-statements that let you view your account statements electronically no more waiting for the mail! Plus, with person-to-person transfers, sending money to friends or family has never been easier.

Security You Can Trust

Your security is our top priority. While we don't currently support electronic signature authorization, we ensure that all transactions on our platform are protected with robust security measures. This way, you can manage your finances with peace of mind. With these user-friendly features at Apco Employees, managing your money has never been more accessible or secure. Whether you're checking balances or making quick payments, we have everything you need right at your fingertips. Join us in embracing modern banking today!

Financial Strength

Committed Team Ready to Serve You

We also take pride in having 157 full-time employees and 12 part-time employees who are dedicated to providing excellent service. Our knowledgeable team is always ready to assist you with your banking needs.

Focused on Our Members

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. Our focus is always on enhancing your experience with us.

Growing Together

Total Share Accounts: 171,866, showing a strong and growing member base that trusts us with their finances. The numbers reflect our commitment to building lasting relationships with every member. 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 1872 7Th St S Clanton Al 35045 or call (205) 280-0366 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. This commitment ensures that your funds are not only safe but also working hard for you.

Proven 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. A well-managed credit union translates into reliable service for you.

Reinvesting in You

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. This means more opportunities for you to achieve your financial goals.

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. 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.

Supporting Your Goals

We offer a wide range of lending options with $5,662 in used auto loans and $900,683,806 in total loans and leases. This lending capacity supports members' financial goals across various sectors, making it easier for you to make those important purchases or investments.

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 offer financing options for both new and used vehicles to fit your budget and lifestyle.

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 strive to make the process as smooth as possible so you can focus on making your house a home.

Other Financing Options

In addition to auto and mortgage loans, we provide credit lines totaling $957,244,750 for those who need extra flexibility in their finances. Whether it's for personal use or managing unexpected expenses, our credit lines are here to help. If you're considering refinancing any existing loans or exploring eligibility options for our various products, our team is ready to assist you every step of the way. We are committed to providing personalized support tailored to your unique financial situation. For more information about our loan offerings or if you're ready to apply, feel free to reach out at 205-280-0366 or visit us at 1872 7Th St S Clanton Al 35045. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. Our credit cards come with rewards and benefits that make everyday purchases more rewarding.

Loan Aggregator

Benefits of Using LendMesh

One of the key features of LendMesh is its commitment to providing verified data. All loan offers come from recognized lenders, which builds trust and transparency in the process. Additionally, LendMesh does not prioritize lenders based on paid promotions; instead, it focuses on delivering unbiased results that truly reflect market options. Users can access real-time rate comparisons from multiple institutions, allowing them to find the best rates that fit their needs. 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!" This kind of feedback highlights how effective and user-friendly the platform is. 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). This ensures that users receive fair and transparent offers. By drawing from legitimate financial institutions, LendMesh guarantees that every loan comparison is both accurate and reliable.

Apco Employees