Apco Employees Credit Union Gardendale AL | Top Auto Loans & Business Banking

Introduction

Welcome to Apco Employees, your trusted financial partner located at 949 Main St, Gardendale, AL 35071. Since our establishment in 1953, we have proudly served over 85,419 members in the community, offering a range of services designed to help you achieve your financial goals. At Apco Employees, we understand the importance of building lasting relationships and providing personalized solutions. With total assets of $3,509,874,314 and total deposits of $347,253,658, we are committed to ensuring your money is safe and working for you. Our dedicated team, led by CEO Derrick Ragland and Board President Gregg Shipp, works tirelessly to offer valuable financial products such as auto loans, mortgage options, personal loans, and credit cards with rewards. While members can visit us at our branch location for personal assistance or access our ATM services with ease, official correspondence should be sent to 949 Main St, Gardendale, AL 35071. Whether you're looking for a simple checking account or need guidance on managing your savings, we're here to support you every step of the way. With a strong net worth of $491,414,926 and robust cash reserves of $5,273,770, Apco Employees is well-positioned to help you navigate your financial journey with confidence. Join our community today and experience the difference that comes from being part of a member-focused credit union. For any questions or assistance, feel free to reach out by calling us at (205) 598-8300. We look forward to welcoming you into our family!

Branch History & Mission

At Apco Employees, our story began in 1953, when a group of dedicated individuals came together with a shared vision of providing accessible financial services to the community in Gardendale, Alabama. Over the decades, we have grown from a small credit union into a thriving financial institution with over 85,000 members and total assets exceeding $3.5 billion. Our branch is located at 949 Main St, Gardendale, AL 35071, a central spot in town that reflects our commitment to being an integral part of the community. Our mission is simple yet profound: to enhance the financial well-being of our members and the communities we serve. We strive to deliver personalized banking solutions that empower individuals and families to achieve their financial goals. Whether it's helping you secure a loan for your dream car or providing the tools needed for effective budgeting, we are here every step of the way. Since opening our doors, we have continuously adapted to meet the evolving needs of our members. From introducing online banking services to launching mobile payment options, we prioritize convenience and accessibility. Our commitment to compliance ensures that all facilities are ADA-friendly, making sure everyone can access our services without barriers. The heart of our mission lies in community support. We actively engage in partnerships with local organizations and participate in outreach programs aimed at improving lives and fostering growth within Gardendale and its surroundings. By investing back into our community through various initiatives, we reinforce our role as more than just a financial institution we are your neighbors and partners in progress. For those looking for personal service, you can visit us during our operating hours from 8:30 AM to 4:30 PM on weekdays. While we do not offer drive-thru banking at this location, we do have an ATM available for easy access to your funds. If you have any questions or need assistance, feel free to reach out at 205-598-8300. While members can visit us at 949 Main St, official correspondence should be sent to the same address as it serves as both our branch and mailing address. Join us today at Apco Employees Credit Union and experience firsthand how we can help you achieve your financial dreams while contributing positively to our community!

Branch Location & Accessibility

Convenient Access and Amenities

Finding us is easy! We're just a short drive from popular landmarks such as the Gardendale Civic Center and the local library, making it a breeze to drop by while you're out and about. Our location offers ample parking, ensuring you have a hassle-free visit. For those with mobility needs, rest assured that our branch is fully ADA compliant with ramps and accessible features.

Get in Touch!

If you have any questions or need assistance before your visit, feel free to give us a call at 205-598-8300. We're eager to help! Whether you're looking for guidance on loans or simply want to learn more about our services, don't hesitate to reach out. We look forward to welcoming you at Apco Employees soon!

Operating Hours and Services

We invite you to stop by during our convenient lobby hours from 8:30 AM to 4:30 PM, Monday through Friday. We know your time is valuable, so we strive to provide efficient service whether you're opening a new account or discussing loan options. While we don't currently offer drive-thru banking, our dedicated team is always ready to assist you inside the branch. At Apco Employees, we offer a variety of services tailored to meet your financial needs. From personal banking products like checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Plus, with our ATM available on-site, accessing your cash is quick and easy.

Member Eligibility

At Apco Employees, we believe that everyone deserves a chance to be part of a community that truly cares. Joining us is simple and welcoming! If you live, work, or worship in the area or have a family member who is already a member, you're likely eligible to become part of our credit union family. We're here to support your financial journey with tailored services that fit your needs, whether it's checking accounts, loans, or online banking. For the most current eligibility details, feel free to check out our resource at . Opening an account with us is just as easy! You can find all the information you need about getting started by visiting . If you have any questions or need assistance along the way, don't hesitate to reach out at (205) 598-8300. We're excited to welcome you to Apco Employees, located at 949 Main St Gardendale Al 35071, where your financial well-being is our priority!

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

In today's fast-paced marketplace, having reliable merchant services can make all the difference. Imagine being able to accept payments quickly and securely, whether in-store or online. Our merchant services streamline transactions, allowing you to focus on what you do best running your business. Located at 949 Main St Gardendale Al 35071 in Gardendale, AL, we're here to help you thrive. Contact us today at (205) 598-8300 to learn more about how our business banking solutions can fuel your success!

Comprehensive List Of Services

Business Banking Support

For our business members, we offer robust business banking solutions, including merchant services and business loans designed to help grow your venture. We believe in supporting local businesses because they are vital to our community's economy.

Credit and Loans

We understand that life can throw unexpected expenses your way. Our personal loans and debt consolidation services provide quick access to cash when you need it most. Additionally, our credit cards with rewards not only give you purchasing power but also allow you to earn points on everyday purchases turning spending into savings!

Digital Convenience

In today's fast-paced world, convenience is key. That's why at Apco Employees, we offer comprehensive online and mobile banking features. With just a few taps on your phone, you can manage your accounts, transfer money, pay bills, and even make person-to-person payments without stepping foot in the branch. Our ATM services ensure that you have access to your cash whenever necessary.

Personal Banking Solutions

Our personal banking options are tailored to fit your lifestyle. Start with our checking and savings accounts, which offer competitive rates and easy access to your funds. Whether you need a basic account or something more specialized, we have solutions that can help you manage your money effectively. For those considering a vehicle purchase, our auto loans and vehicle financing options make it easier than ever to drive away in the car you want without straining your budget. If homeownership is on your mind, explore our mortgage loans and refinancing services that simplify the path to owning your home.

Visit Us Today!

We invite you to visit us at 949 Main St Gardendale Al 35071 or give us a call at (205) 598-8300 during our operating hours from 8:30 AM to 4:30 PM on weekdays. Let us show you how Apco Employees can be a partner in achieving your financial goals. Together, let's take the next step toward securing your financial future!

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking options available at https://www.southernenergycu.org/, you can check balances, transfer funds, and pay bills without stepping foot into a branch. Whether you're at home or out running errands, accessing your accounts is just a few clicks away.

E-Statements for Easy Tracking

Stay organized with e-statements that provide easy access to your financial history without the clutter of paper documents. You can view and download your statements anytime keeping track of your spending has never been more straightforward. At Apco Employees, we strive to make banking not just a task but a positive experience. Join us today to explore how our digital and online banking services can fit seamlessly into your lifestyle!

Mobile App Features

Our mobile application makes banking even easier! You can manage your accounts directly from your smartphone. Plus, with features like mobile payments and person-to-person transfers, sending money to friends or paying for purchases has never been simpler. If you're on the move, our app keeps you connected to your finances wherever life takes you.

Security and Accessibility

Security is our top priority. While you enjoy the convenience of digital banking, rest assured that your information is protected with robust security measures. Although we don't currently offer electronic signature authorization, our commitment to keeping your data safe remains strong.

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 strong financial position, which reflects our commitment to providing exceptional service and support. 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 capacity to lend is evident with $5,662 in used auto loans and $900,683,806 in total loans and leases, supporting your financial goals across various sectors. 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 949 Main St Gardendale Al 35071 or call (205) 598-8300 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 also provide refinancing options for those looking to lower their monthly payments or access cash from their existing auto equity.

Credit Card Loans

Managing everyday expenses can be easier with our flexible unsecured credit card loans, which total $32,454,970. These cards come with competitive interest rates and rewards that can help you make the most of your purchases while keeping track of your finances effectively.

Credit Lines

For those who need extra flexibility, our total credit lines amounting to $957,244,750 provide an excellent option for both personal and business needs. You can access funds whenever necessary without having to go through a lengthy application process each time. Our branch is located at 949 Main St Gardendale Al 35071, Gardendale, AL, where our dedicated team is ready to assist you. Feel free to give us a call at (205) 598-8300 during our operating hours from 8:30 AM to 4:30 PM on weekdays. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're looking for an auto loan, mortgage financing, or an unsecured credit card, we're here to support your financial journey at every step!

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 offer straightforward eligibility options to ensure that your path to homeownership is as smooth as possible.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Each lender listed on LendMesh meets strict compliance requirements. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means that every loan option is presented fairly, allowing you to make decisions based solely on what's best for your needs. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly and efficiently. You won't have to worry about outdated information affecting your choices. 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!" Testimonials like this highlight how effective LendMesh can be in helping individuals secure better financial outcomes. Ready to find the best rates for your needs? Compare real-time loan offers today at LendMesh. 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.

Apco Employees