Apco Employees Credit Union Dothan AL | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Apco Employees, your trusted partner in financial wellness located at 2220 Montgomery Hwy, Dothan, AL 36303. Since our establishment in 1953, we have been dedicated to serving our community with a range of personalized banking solutions tailored just for you. With over 85,000 members and assets exceeding $3.5 billion, we pride ourselves on being a strong pillar in the Dothan area. At Apco Employees, we understand that every member's financial journey is unique. That's why we offer a variety of services including personal banking, auto loans, mortgage options, credit cards with rewards, and business banking solutions. Our commitment to quality service ensures that whether you're looking to open a checking account or seeking financing for a new vehicle, you'll find the support you need right here. Led by our dedicated CEO, Derrick Ragland, and Board President Gregg Shipp, our team of 169 employees is here to assist you every step of the way. We believe in building lasting relationships with our members based on trust and reliability. You can reach us easily at 334-793-7226 or visit our website at apcocu.org for more information about what we offer. While members can visit us at our branch address, official correspondence should be sent to the same location: 2220 Montgomery Hwy, Dothan, AL 36303-3200. Our lobby hours are conveniently set from 8:30 AM to 4:30 PM Monday through Friday, ensuring you have ample time to meet your banking needs. Join us today and discover how Apco Employees can help you achieve your financial goals!

Branch History & Mission

Community Commitment

As part of our commitment to the Dothan community, we engage in various outreach programs and partnerships aimed at fostering local growth and development. We understand the importance of giving back and actively participate in initiatives that support education, health, and economic empowerment within our neighborhoods. While members can visit us at 2220 Montgomery Hwy, official correspondence should be sent to 2220 Montgomery Hwy, Dothan, AL 36303-3200 if different matters arise. Join us today at Apco Employees! Experience how our dedication to quality service can help you achieve your financial goals while being part of a supportive community. Together, let's build a brighter future for all!

Our Mission

At Apco Employees, our mission goes beyond providing traditional banking services. We aim to foster financial well-being while actively supporting our community. We believe that by empowering individuals with the right tools and resources such as personal checking accounts, auto loans, mortgages, and business banking we can help improve lives and strengthen families. We take pride in being a member-focused organization that prioritizes your needs. Our dedicated team works tirelessly to offer personalized service while ensuring all of our operations comply with ADA standards and digital advancements. Whether you're looking for online banking solutions or mobile payment options, we strive to make banking simpler and more efficient for all our members.

Branch Location & Accessibility

Connect with Us

Have questions or need assistance? Don't hesitate to call us at 334-793-7226. Our friendly team is ready to help you with whatever you need. We invite you to visit us soon and experience firsthand how Apco Employees can support your financial journey!

Operating Hours & Services

We're open Monday through Friday from 8:30 AM to 4:30 PM, making it easy to fit your banking needs into your busy schedule. While visiting us, you can take advantage of a variety of personal banking services, including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. For your convenience, we also have a drive-thru service for quick transactions like deposits and withdrawals. Plus, enjoy ATM access for balance checks and cash withdrawals whenever you need it. While members can visit us at 2220 Montgomery Hwy Dothan Al 36303, official correspondence should be sent to our mailing address at 2220 Montgomery Hwy, Dothan, AL 36303-3200.

Parking & Accessibility

At Apco Employees, we understand the importance of convenience. Our location offers ample parking, ensuring that you can easily access our branch without any hassle. We also take pride in being accessible to all members, featuring ADA-compliant entrances and ramps for those who may need assistance.

Member Eligibility

At Apco Employees, we believe that everyone deserves a place to belong, and becoming a member is your first step into our welcoming community. If you live, work, or worship in the Dothan area, you're likely eligible to join us! Our membership is open to those who share our values of financial empowerment and community support. We're here to provide not just banking services but also a sense of belonging and connection. For the most current details on eligibility, feel free to visit our website at . Joining is easy! Simply reach out to us at (334) 793-7226, and one of our friendly team members will guide you through the simple account opening process. You can also visit us at our branch located at 2220 Montgomery Hwy Dothan Al 36303. Here at Apco Employees, we offer a range of benefits designed to help you achieve your financial goals while being part of something bigger. We can't wait for you to join us!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services that simplify transactions for your customers. Picture this: a busy retail day where every second counts. With our efficient payment processing solutions, you can serve customers faster and keep them coming back. Located at 2220 Montgomery Hwy Dothan Al 36303, Dothan, AL 36303, our team is ready to help you navigate your business banking needs. Let's work together to drive your success! For more information, reach out at (334) 793-7226.

Tailored 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 needing funds to purchase new equipment or expand your location. Our commercial loans are designed to meet those needs, allowing you to focus on what you do best running your business.

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash on the go? Our ATM services allow you quick access to your funds for withdrawals or balance checks. Plus, our basic drive-thru banking offers simple transactions like deposits and withdrawals without leaving your car. We invite you to visit us at our branch located at 2220 Montgomery Hwy Dothan Al 36303, or give us a call at (334) 793-7226 if you have any questions about our services. At Apco Employees, we're here to support your financial journey every step of the way!

Business Banking

For our business members, we offer comprehensive business banking services, including merchant services and business loans. We know how important it is for local businesses to thrive, so we provide tailored solutions to help them grow.

Digital Banking Convenience

In today's busy world, convenience is key. That's why at Apco Employees, we prioritize digital banking features. With our online and mobile banking platforms, managing your finances is easier than ever. You can check balances, transfer money, pay bills, and even make person-to-person payments from anywhere at any time.

Home Financing

Looking to buy a home or refinance your existing mortgage? Our mortgage loans and refinancing solutions are designed to help you navigate the home buying process smoothly. We understand that every homebuyer has unique needs, so we work with you to find the best fit.

Loans and Credit

In addition to auto loans, we offer personal loans and debt consolidation options for those who need extra financial support or want to simplify their payments. Our credit cards with rewards provide an excellent way for members to earn points on everyday purchases while enjoying competitive rates.

Personal Banking

Our personal banking services include checking and savings accounts that cater to different lifestyles and financial goals. If you're planning a big purchase or simply want to save for a rainy day, we have the right account for you. For those considering vehicle purchases, our auto loans and vehicle financing options make it easy to get behind the wheel without breaking the bank.

Digital & Online Banking

Embrace Convenience with Mobile Payments

If you're always on the go, you'll love our mobile payments feature. It allows you to make purchases directly from your phone just another way we help you stay connected to your finances without any hassle. At Apco Employees, we're committed to providing accessible and effective banking solutions. Whether it's through our website or mobile app, managing your money has never been easier or more secure. Join us today and experience the ease of digital banking tailored for you!

Key Features of Our Online Banking

Our members enjoy the convenience of 24/7 online banking services available at https://www.southernenergycu.org/. You can check balances, transfer funds, and pay bills without needing to visit a branch. Plus, with our user-friendly mobile application, available for download on your smartphone, you have everything you need right in your pocket. Need to send money to a friend? With our person-to-person transfers feature, it's as simple as entering their details and hitting send no cash needed! For those who prefer paperless options, we offer e-statements so you can keep track of your finances while reducing clutter.

Security You Can Trust

We prioritize your security. While we don't offer electronic signature authorization at this time, rest assured that all transactions through our online banking platform are protected with advanced security measures. Your information is safe, giving you peace of mind as you manage your accounts.

Financial Strength

At Apco Employees, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial strength, which reflects our commitment to serving you well. 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. 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. 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 with $5,662 in used auto loans and $900,683,806 in total loans and leases. Our operational efficiency is reflected in our $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. Total Share and Deposit Accounts stand at 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 2220 Montgomery Hwy Dothan Al 36303 or call (334) 793-7226 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 fit your budget and lifestyle. Whether you're purchasing a brand-new model or a reliable used vehicle, we've got you covered.

Credit Lines

For those needing ongoing access to funds for various expenses, our total credit lines amounting to $957,244,750 provide a safety net when you need it most. This option allows you to borrow what you need while only paying interest on what you use. At Apco Employees located at 2220 Montgomery Hwy Dothan Al 36303, we're here for you. If you're considering refinancing options or want to explore eligibility requirements for any of our loan products, don't hesitate to reach out. You can contact us at 334-793-7226 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 dedicated to supporting our members every step of the way as they navigate their financial journeys.

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. Our team is here to guide you through the process, ensuring you have the resources needed to make informed decisions about your future.

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 designed to enhance your purchasing power while keeping your spending in check.

Loan Aggregator

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Apco Employees