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

Introduction

Welcome to Apco Employees, your trusted partner in financial services, located at 4725 Chace Cir, Hoover, AL 35244. Since our establishment in 1953, we've dedicated ourselves to serving our community and building lasting relationships with our members. With a total membership of 85,419, we take pride in offering personalized banking solutions that cater to your unique needs. At Apco Employees, we understand that every financial journey is different. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking options. Our commitment is reflected in our impressive assets of over $3.5 billion and total deposits reaching $347,253,658. We're here to empower you financially with resources that make sense for you. Under the leadership of CEO Derrick Ragland and Board President Gregg Shipp, our team of 169 employees works tirelessly to ensure that your experience with us is smooth and beneficial. We also value transparency; with a net worth of $491,414,926 and cash in hand amounting to $5,273,770, we are well-positioned to support your financial ambitions. While members can visit us at our branch address for assistance or inquiries, official correspondence should be sent to the same location as our mailing address: 4725 Chace Cir, Hoover, AL 35244-3700. We invite you to discover how Apco Employees can help you achieve your financial goals. Feel free to call us at 205-823-7403 or explore more about our offerings on our website at www.apcocu.org. Join us today and experience the difference of community-focused banking!

Branch History & Mission

Community Focus

Our focus on community doesn't stop at providing banking services. We take pride in supporting local initiatives and being a partner in various outreach efforts that enhance the quality of life in Hoover. By joining forces with local organizations, we strive to create lasting impacts that resonate throughout the community. If you're seeking a credit union that prioritizes its members while making meaningful contributions to the community, look no further than Apco Employees. Join us today and experience firsthand the benefits of being part of a dedicated financial institution that cares deeply about its members and their futures. Feel free to contact us at (205) 823-7403 for more information or visit us during our lobby hours. We can't wait to welcome you into the Apco Employees family!

Evolution and Growth

Since our inception, we've witnessed remarkable growth, now managing total assets amounting to $3,509,874,314 as we continue to expand our services. Our operating hours from 8:30 AM to 4:30 PM make it easy for members to visit us during the day. Moreover, with both ATM availability and drive-thru banking options, we prioritize convenience and accessibility for everyone. Embracing technological advancements is vital for serving our members better. We offer online and mobile banking services, allowing you to manage your finances from anywhere. Whether it's through person-to-person payments or cash withdrawal services at ATMs, we're here to simplify your banking experience.

Our Mission

At Apco Employees, our mission is simple yet powerful: to provide exceptional financial services while uplifting our community. We believe in offering not only products like checking and savings accounts, auto loans, and mortgages but also personalized support to help our members achieve their financial goals. Our commitment extends beyond banking; we actively engage in community outreach programs, fostering partnerships that make a difference in the lives of those around us.

Branch Location & Accessibility

Welcome to the Apco Employees branch, conveniently located at 4725 Chace Cir in Hoover, Alabama. Nestled in the heart of Jefferson County, our branch is easily accessible and surrounded by familiar landmarks, making it simple for you to visit us. Whether you're coming from nearby shopping centers or local parks, you'll find our location to be both welcoming and convenient. At Apco Employees, we prioritize your experience, which is why we have made sure that our branch is accessible to everyone. Our facility includes ADA-compliant features such as ramps for easy entry, ensuring that all members can access our services without any hassle. If you're driving, you'll appreciate the ample parking available right outside our doors. Our lobby hours are designed with your busy schedule in mind open Monday through Friday from 8:30 AM to 4:30 PM. We also offer drive-thru banking for those who prefer a quicker visit. Need cash? Our ATM is available on-site for your convenience. While you can reach us at 4725 Chace Cir for all your banking needs, please remember that official correspondence should be sent to our mailing address at 4725 Chace Cir, Hoover, AL 35244-3700. We offer a range of services tailored to fit your financial needs from personal banking options like checking and savings accounts to auto loans and mortgages. Plus, if you're a member of a partner credit union, you can take advantage of shared services right here at our branch. Ready to learn more or need assistance? Feel free to call us at 205-823-7403. We look forward to welcoming you to Apco Employees!

Member Eligibility

Becoming a member of Apco Employees is like joining a caring family that's dedicated to supporting you in your financial journey. If you live, work, or worship in the area around 4725 Chace Cir Hoover Al 35244, you're likely eligible to join us! We welcome individuals from various backgrounds and circumstances, so whether you're looking for a place to save, borrow, or manage your finances more effectively, we have something for everyone. Membership at Apco Employees not only provides access to a range of financial products and services but also connects you with a community that truly cares about your needs. For more details on eligibility requirements, feel free to check out our eligibility page. When you're ready to take the next step, opening an account is simple and straightforward just give us a call at (205) 823-7403, and we'll guide you through the process!

Business Banking & Commercial Services

Merchant Services

In addition to loans, we offer merchant services designed to streamline transactions for your business. Whether you're processing credit card payments or managing payroll, our services provide the convenience and reliability you need to keep operations running smoothly. This means less time worrying about finances and more time focusing on what you do best growing your business. Join us at Apco Employees located at 4725 Chace Cir Hoover Al 35244, Hoover, AL, and discover how we can help take your business to new heights!

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 a small café looking to expand its seating area or a tech startup needing funds for new equipment. With our lending options, these businesses can access the capital they need to thrive.

Comprehensive List Of Services

Business Banking Services

For our entrepreneurial members, we offer robust Business Banking solutions including merchant services and business loans. Whether you're launching a startup or expanding an existing business, we provide the financial support you need to thrive.

Convenient Digital Banking Features

In today's fast-paced world, convenience matters. That's why we offer comprehensive Online & Mobile Banking features that allow you to manage your finances anytime, anywhere. Need cash on the go? Our ATM & Cash Withdrawal Services ensure you have access whenever necessary. And if you prefer personal interaction but are short on time, our Basic Drive-Thru Banking allows for quick deposits and withdrawals without having to leave your vehicle.

Flexible Loan Options

Sometimes life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation services can help you tackle those challenges head-on, allowing you to consolidate debt into one easy-to-manage payment. Plus, our Credit Cards with Rewards add extra value to your everyday purchases, giving you cash back or points for future travel.

Personal Banking Solutions

We understand that managing money can be overwhelming at times. That's why we offer Personal Banking services that include checking and savings accounts designed to help you keep track of your finances with ease. Imagine effortlessly monitoring your spending habits or saving for that special vacation all while enjoying the peace of mind that comes from knowing your money is secure with us. When it comes to larger purchases, our Auto Loans & Vehicle Financing options make it easier for you to drive away in the car of your dreams. We provide competitive rates and flexible terms, ensuring that financing is manageable and straightforward. If buying a home is on your list, our Mortgage Loans & Refinancing services are here to guide you through every step of the process, making home ownership a reality.

Shared Branch Transactions

If you're a member of another participating credit union, take advantage of our Basic Shared Branch Transactions for easy deposits and withdrawals. This feature enhances accessibility and provides added convenience no matter where you are. At Apco Employees, we aim to simplify banking so that you can focus on what truly matters in life. If you're interested in learning more about how we can assist you financially or if you have any questions about our services, don't hesitate to reach out! Call us at (205) 823-7403 or visit us today at 4725 Chace Cir Hoover Al 35244 in Hoover, AL. Your financial journey starts here!

Digital & Online Banking

Accessibility and Ease-of-Use

At Apco Employees, we believe that managing your money should be straightforward. Our user-friendly interface ensures that even those who aren't tech-savvy can navigate their accounts with ease. Whether it's making transfers or checking balances, everything is designed for real-time account management so you can stay on top of your finances effortlessly. In a world where time is precious, our digital banking solutions provide you with the flexibility to handle your finances anywhere, anytime without compromising on security. Join us at Apco Employees and experience banking made simple!

Key Features

Our online banking platform allows you to check your balance, view transaction history, and pay bills with just a few clicks. Plus, with the availability of e-statements, you can keep track of your finances without the clutter of paper statements. Enjoy the peace of mind that comes with knowing your information is safe, as we prioritize security in all our services. If you're always on the go, you'll love our mobile application. It gives you access to all your banking needs right from your smartphone, including mobile payments for easy transactions at your favorite stores. Want to send money to a friend? Our person-to-person transfer feature makes it quick and hassle-free.

Financial Strength

Commitment to Members

Total Share Accounts stand at 171,866, showcasing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments reach $0, highlighting our commitment to maximizing your opportunities. 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 4725 Chace Cir Hoover Al 35244 or call (205) 823-7403 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.

Continuous 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 is robust; with $5,662 in used auto loans and $900,683,806 in total loans and leases, we support members' financial goals across various sectors.

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 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.

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.

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

Credit Lines

For those looking for ongoing access to funds, our total credit lines amount to $957,244,750. This flexibility allows you to borrow as needed while only paying interest on what you use. If you're interested in any of these loan products or have questions about refinancing options available for each category, don't hesitate to reach out. You can contact us at 205-823-7403 or visit us at 4725 Chace Cir Hoover Al 35244. Our team is ready to assist you in finding the best financial solutions tailored specifically for your needs.

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 competitive rates and terms that can help you find a solution tailored to your needs.

Unsecured Credit Cards

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. This is a great option if you need quick access to funds without collateral.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing data 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 transparency means users can trust that they are viewing fair and legitimate loan offers. One of the key benefits of using LendMesh is its focus on Verified Data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. Additionally, LendMesh maintains a strict policy of No Sponsored Listings, meaning lenders cannot pay for better placement on the site. This approach guarantees that users receive unbiased results based solely on their needs. Another advantage is the Real-Time Rate Comparisons feature, which provides up-to-date loan rates from multiple institutions. This helps users make informed decisions quickly and easily. Thousands of users trust LendMesh for their 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 the effectiveness and reliability of LendMesh as a loan comparison tool. 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.*

SOUTHERN ENERGY CREDIT UNION - Hoover, AL

Type of Loan Offerings

Personal Loans