Apco Employees Credit Union Jasper AL | Low Mortgage Rates & Business Banking

Introduction

Welcome to Apco Employees, your trusted financial partner in Jasper, Alabama. Since our establishment in 1953, we have been dedicated to serving our community with integrity and commitment. Located at 706 20Th Ave E, Jasper, AL 35501, our branch is a hub for over 85,000 members who rely on us for their personal and business banking needs. At Apco Employees, we take pride in our robust financial health, boasting total assets of $3,509,874,314 and total deposits reaching $347,253,658. With a net worth of $491,414,926, you can trust that your finances are in safe hands. Our team of 169 employees is here to provide personalized service and expert advice tailored to your unique circumstances. Our leadership team, including CEO Derrick Ragland and Board President Gregg Shipp, ensures that we remain focused on our mission: empowering our members through reliable financial solutions. Whether you're looking for checking accounts, auto loans, or mortgage options, we offer a wide array of services designed to meet your needs. While members can visit us at our branch address for face-to-face support and assistance, official correspondence should be sent to the same location: 706 20th Ave E, Jasper, AL 35501-4057. We invite you to reach out by phone at 205-221-4238 or explore more about us online at Apco Employees. Join us today and experience the community-focused banking that sets Apco Employees apart!

Branch History & Mission

Welcome to Apco Employees, where our roots run deep in the heart of Jasper, Alabama. Established in 1953, our branch has proudly served the community for over 70 years, growing alongside its members and adapting to their ever-changing needs. Located at 706 20th Ave E, Jasper, AL 35501, we are not just a financial institution; we are a cornerstone of support and service for our members. From our humble beginnings, Apco Employees has evolved significantly. We started with a small group of dedicated members and have blossomed into a robust credit union with a total membership of over 85,000. Our commitment to providing exceptional financial services has allowed us to accumulate total assets exceeding $3.5 billion. This growth is not just a number; it represents our dedication to helping individuals and families achieve their financial goals. At the core of our mission is a simple yet powerful principle: we exist to serve our members and enhance their lives through comprehensive financial solutions. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage financing, we strive to offer products that fit your unique needs. Our mission extends beyond just banking; we believe in uplifting the community through various outreach efforts and partnerships. Our operating hours are designed with your convenience in mind. You can visit us Monday through Friday from 8:30 AM to 4:30 PM for all your banking needs. For those who prefer quick transactions, we proudly offer drive-thru banking services and ATM access for easy withdrawals and balance checks. While members can visit us at 706 20Th Ave E Jasper Al 35501, official correspondence should be sent to 706 20th Ave E, Jasper, AL 35501-4057 for any documentation or inquiries you may have. You can reach us at (205) 221-4238 if you have questions or need assistance. As we look toward the future, Apco Employees remains committed to innovation and accessibility. With mobile banking options available, including online services and person-to-person payments, we ensure that managing your finances is as easy as possible. Join us at Apco Employees today and experience the benefits of being part of a community-focused credit union. Together, we can achieve more!

Branch Location & Accessibility

Accessibility Features

At Apco Employees, we prioritize accessibility for all our members. Our branch is fully ADA compliant, featuring ramps and designated parking spots for individuals with disabilities. You'll find ample parking available right outside our doors, so you can easily access our services without any hassle.

Connect With Us

We invite you to come visit us at Apco Employees in Jasper! If you have any questions or need assistance before your visit, don't hesitate to call us at 205-221-4238. We look forward to helping you achieve your financial goals!

Operating Hours and Services

We welcome you during our lobby hours from Monday to Friday, opening at 8:30 AM and closing at 4:30 PM. This gives you plenty of time throughout the week to come in and discuss your financial needs or take care of transactions. In addition to our welcoming atmosphere, we offer a wide range of services tailored just for you. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Need quick cash? Our ATM is readily available for withdrawals and balance checks. If you prefer a more personal touch, our drive-thru service allows for easy deposits and withdrawals without leaving your vehicle.

Member Eligibility

Joining the Apco Employees community is more than just opening an account; it's about becoming part of a supportive family that values you. If you're looking to become a member, you'll find that eligibility is designed to be welcoming and inclusive. Generally, anyone who lives, works, worships, or attends school in the area is encouraged to join us at our Jasper branch located at 706 20Th Ave E, Jasper, AL 35501. We believe in making banking accessible for everyone, so whether you're new to financial institutions or just seeking a better fit for your needs, we're here for you. To get started on your journey with us, simply check out the details on eligibility here. It's straightforward! And if you have any questions or need assistance, don't hesitate to give us a call at 205-221-4238. We're excited to welcome you into our community and help you explore all the benefits that come with being an Apco Employees member!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to loans, we offer merchant services that can streamline your operations. Imagine being able to accept payments quickly and securely, allowing you to focus on what matters most growing your business. Our tools make transactions easy, giving you more time to connect with customers and enhance their experience. Visit us at 706 20Th Ave E Jasper Al 35501 in Jasper, AL or call us at (205) 221-4238 to learn how we can help your business thrive!

Tailored 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.

Comprehensive List Of Services

Business Banking

For our business members, we understand the unique challenges you face. That's why we offer business banking services including merchant services and business loans. Whether you're just starting out or looking to expand, we're here to support your entrepreneurial journey.

Credit Options

If you're looking for additional ways to manage expenses or consolidate debt, our personal loans can be an excellent option. With competitive rates and terms, we aim to provide relief when you need it most. Plus, don't forget about our credit cards with rewards that let you earn while you spend!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we've invested in robust online and mobile banking features. Accessing your accounts has never been easier! You can check balances, transfer funds, and even make person-to-person payments right from your phone or computer. Additionally, our ATM and cash withdrawal services ensure that you have access to your funds whenever needed. With basic drive-thru banking available for deposits, withdrawals, and simple transactions, visiting us is quick and hassle-free.

Final Thoughts

At Apco Employees, we're committed to making banking accessible and convenient for everyone in the community. If you're ready to explore how our services can benefit you, give us a call at (205) 221-4238 or visit us at our branch in Jasper. We look forward to helping you on your financial journey!

Personal Banking

Starting with personal banking, we offer checking and savings accounts designed to fit every lifestyle. Imagine having a checking account that not only helps you manage your day-to-day expenses but also earns you interest on your balance. Our savings accounts provide a secure way to grow your money over time. When it comes to financing your next vehicle, our auto loans and vehicle financing options make the process easy and straightforward. Picture driving away in your dream car with flexible repayment plans that suit your budget. For those considering homeownership or refinancing their current mortgage, we provide mortgage loans tailored to help you navigate this important investment.

Digital & Online Banking

Key Features for Your Convenience

Imagine being able to handle transactions directly from your smartphone. Our mobile application makes it easy to manage your accounts right in the palm of your hand. Plus, with our mobile payments feature, you can make purchases quickly and securely without needing to carry cash or cards. Worried about keeping track of your statements? With e-statements available, you'll have instant access to your account statements whenever you need them. It's all about giving you control and reducing clutter.

Safe and Simple Transactions

Sending money to friends or family is now easier than ever with our person-to-person transfers. Whether it's splitting a bill or sending a gift, you can do it all within our online platform. While you enjoy these convenient features, we prioritize security too. Although we currently do not support electronic signature authorization, rest assured that your information remains protected through advanced security measures in our online banking system. At Apco Employees, we believe that banking should fit into your life seamlessly. Our digital tools empower you to take charge of your finances while enjoying peace of mind knowing that you're backed by reliable service and support. Explore all that we have to offer today!

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 providing you with reliable services and resources. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 across various sectors, with $5,662 in used auto loans and $900,683,806 in total loans and leases. Our impressive $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. Total Share Accounts stand strong at 171,866, showing a 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 706 20Th Ave E Jasper Al 35501 or call (205) 221-4238 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. We provide flexible financing options to ensure you can find a loan that fits your budget.

Credit Lines

For those who prefer having access to extra funds when needed, our total credit lines amount to an impressive $957,244,750. This allows you the freedom to make purchases as they arise without the need for constant reapplication for new credit. If you're interested in refinancing any of these loans or would like more information about eligibility options, please don't hesitate to reach out. You can contact us at 205-221-4238 during our lobby 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. At Apco Employees, we pride ourselves on transparency and commitment to our members' success. Let us help you take the next step toward achieving your financial dreams!

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 understand that purchasing a home is a significant decision and are here to guide you through every step of the process.

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 come with competitive rates and rewards that fit your lifestyle.

Loan Aggregator

Ensuring Accurate 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 strict adherence to regulatory standards ensures that all offers presented are fair and transparent. By focusing on verified financial institutions, LendMesh guarantees that users receive accurate loan comparisons without hidden fees or misleading information.

The Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. 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 testimonial reflects the positive experiences many have had while using the platform. Ready to find the best loan rates for your needs? Compare real-time loan offers today at LendMesh and take the first step towards smarter borrowing. *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