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

Introduction

Welcome to Apco Employees, your trusted partner in financial wellness located at 2501 Highway 78 W, Jasper, AL 35501. Established in 1953, we take pride in being a cornerstone of the community, serving over 85,000 members with dedication and care. With total assets reaching an impressive $3,509,874,314, our credit union is committed to providing reliable financial services tailored to meet the needs of our members. At Apco Employees, we understand that every member's journey is unique. Whether you're looking for a new auto loan where we've already helped facilitate over 34,276 loans or need assistance with personal banking and credit options, our experienced team is here to guide you every step of the way. Our focus on community means we strive not just to provide services but also to make a positive impact in Jasper and beyond. Under the leadership of CEO Derrick Ragland and Board President Gregg Shipp, our dedicated staff of 169 employees works diligently to ensure that you receive exceptional service in a welcoming environment. For any inquiries or assistance, feel free to reach out at 205-878-4600. While members can visit us at our branch location, official correspondence should be sent to the same address: 2501 Highway 78 W, Jasper, AL 35501. Join us today and discover how Apco Employees can help you achieve your financial goals! For more information about our services and offerings, please visit our website at Apco Employees.

Branch History & Mission

Join Us Today

As we look towards the future, we invite you to become part of the Apco Employees family. Experience firsthand how our community-focused approach can make a difference in your financial journey. Together, let's build a stronger tomorrow! For more information or assistance, please don't hesitate to call us at 205-878-4600. Your membership means everything to us!

Our Evolution

Located at 2501 Highway 78 W, Jasper, AL 35501, our branch is easily accessible and has become a familiar spot for many in the area. Whether you're visiting us for personal banking needs or exploring options for auto loans, our dedicated team is here to assist you every step of the way. Since our inception, Apco Employees has made it a priority to adapt and evolve with changing times. We are proud to offer modern conveniences like online and mobile banking, making it easier than ever for our members to manage their finances on-the-go. Our commitment to accessibility is unwavering; we ensure that all our services meet ADA compliance standards.

Our Mission

At Apco Employees, our mission is clear: we strive to empower our members through quality financial services while actively contributing to the well-being of our community. We understand that banking goes beyond transactions; it's about building relationships and supporting local initiatives. This dedication is reflected in various partnerships and outreach programs designed to uplift those around us. While members can visit us at 2501 Highway 78 W, official correspondence should be sent to 2501 Highway 78 W, Jasper, AL 35501 if needed. Our operating hours are Monday through Friday from 8:15 AM to 4:30 PM, ensuring that we're here when you need us.

Branch Location & Accessibility

Welcome to the Apco Employees branch, conveniently located at 2501 Highway 78 W in Jasper, Alabama! Our branch is easily accessible and situated near familiar landmarks, making your visit a breeze. Whether you're coming from downtown Jasper or nearby areas, you'll find us right off Highway 78, where we are proud to serve our community with friendly and reliable banking services. While members can visit us at our branch address, official correspondence should be sent to the same location: 2501 Highway 78 W, Jasper, AL 35501. We strive to ensure that all our members feel welcome and comfortable during their time with us. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and parking spaces for easy access. At the Apco Employees branch, we know your time is valuable. That's why we offer convenient operating hours from 8:15 AM to 4:30 PM on weekdays. While we currently do not have a drive-thru service available, we encourage you to take advantage of our ATM services for quick cash withdrawals and balance checks at your convenience. Our dedicated team is here to assist you with a variety of personal banking needs. Whether you're interested in checking and savings accounts, auto loans, mortgages, or credit cards with rewards, we've got you covered. Plus, enjoy the flexibility of online and mobile banking for managing your finances wherever you go. If you have any questions or need assistance, don't hesitate to give us a call at 205-878-4600. We look forward to welcoming you soon!

Member Eligibility

Joining the Apco Employees family is like stepping into a community where everyone looks out for one another. If you live, work, worship, or attend school in the area surrounding 2501 Highway 78 W Jasper Al 35501, you're likely already eligible to become a member! This means that if you're part of our vibrant local community, we warmly welcome you to join us. Membership opens the door to a range of benefits tailored just for you, including competitive rates on loans and savings, personalized service, and a strong support system. Getting started is easy! Simply give us a call at (205) 878-4600 or visit our website to learn more about the eligibility details. For those who want to dive deeper into the specific criteria, check out the information at . We're excited to help you open an account and be part of something special right here at Apco Employees!

Business Banking & Commercial Services

Business 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 market, having efficient payment solutions is crucial. Our merchant services offer practical benefits that help streamline transactions and improve cash flow. Imagine being able to accept payments seamlessly from customers both in-store and online this convenience helps you focus on what matters most: growing your business. Visit us at 2501 Highway 78 W Jasper Al 35501 in Jasper, AL or call us at (205) 878-4600 to learn how we can partner with you for success!

Comprehensive List Of Services

Digital Banking Convenience

In today's busy world, we understand the importance of digital access to your accounts. With Jasper West, enjoy the convenience of online and mobile banking. Check your balance, transfer funds, or pay bills from anywhere at any time. We also provide ATM and cash withdrawal services for easy access to your money when you need it most. Our basic ATM access allows you to withdraw cash and check balances quickly. With all these services at your fingertips, managing your finances has never been easier. At Apco Employees, we focus on making banking not just accessible but also enjoyable for our members. If you have questions about any of our offerings or want to learn more about how we can assist you on your financial journey, don't hesitate to reach out! Call us at (205) 878-4600 or visit us in person at 2501 Highway 78 W Jasper Al 35501. We look forward to serving you!

Loans and Financing

Life can throw unexpected expenses your way, which is why our personal loans and debt consolidation options are perfect for managing finances during tough times. Need a little extra cash? Our credit cards come with rewards that can benefit you every time you use them. If you're a business owner, explore our business banking services, including merchant services and business loans that can help support your growth.

Personal Banking

Our personal banking services are designed with you in mind. Start by opening one of our checking or savings accounts, where you can easily manage your day-to-day transactions and save for the future. If you're considering purchasing a new vehicle, our auto loans and vehicle financing options offer competitive rates that help make your dream car a reality. For those planning to buy a home or refinance an existing mortgage, we provide comprehensive mortgage loans tailored to fit your budget.

Digital & Online Banking

Mobile Banking Made Simple

For those who prefer banking on the go, our mobile application is available for download on most devices. It's user-friendly and packed with features like mobile payments, so you can make purchases directly from your phone. Plus, if you need to send money to friends or family quickly, our person-to-person transfer service makes it easy.

Online Banking Services

Explore the robust features available at https://www.southernenergycu.org/ . Our online banking service provides real-time account management, allowing you to stay on top of your finances with just a few clicks. You can easily access e-statements, which provide a quick and eco-friendly way to view your financial records without the clutter of paper.

Security You Can Trust

We prioritize your security with advanced measures in place. While we do not offer electronic signature authorization at this time, rest assured that all transactions through our online and mobile platforms are protected with industry-standard encryption. With all these features at your fingertips, managing your finances has never been easier or more secure. Join us at Apco Employees and experience the future of banking 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 committed to maintaining strong financial health to provide you with the best services possible. 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 is also impressive; with $5,662 in used auto loans and $900,683,806 in total loans and leases, we support members' financial goals across various sectors. Our operational efficiency shines through with a net income of $7,974,388, enabling us to continue offering competitive loan rates and solid financial products for our members. We 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 at 171,866, showing a strong and growing member base that trusts us with their finances. Our commitment to you goes beyond numbers; it's about building lasting relationships based on trust and reliability. 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 2501 Highway 78 W Jasper Al 35501 or call (205) 878-4600 to learn more about how we can help you achieve your financial goals.

Loan Offering

At Apco Employees, we understand that life brings many financial needs, whether you're buying a car, purchasing your first home, or managing everyday expenses. That's why we offer a range of loan products designed to help you reach your financial goals. With over 34,276 loans issued, we've helped thousands of members achieve their financial dreams. Our auto loans are particularly popular, providing competitive rates and flexible terms. 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. If homeownership is on your mind, our mortgage options can make the process straightforward. We offer Junior Lien 1-4 Family Residential Properties loans totaling $37,435,240, ideal for both buying a home and refinancing an existing mortgage. For those who prefer more flexibility, our unsecured credit card loans are available with a total of $32,454,970 in loans. This can be an excellent option for managing your finances effectively while enjoying rewards on your purchases. In addition to personal loans, we also provide commercial loan options for business owners. While we currently do not have outstanding commercial loans, our commitment to supporting local businesses remains strong. Our branch is located at 2501 Highway 78 W Jasper Al 35501, Jasper, AL, and you can reach us at (205) 878-4600 for any inquiries or assistance regarding our loan offerings. We encourage you to explore refinancing options and check eligibility criteria that may apply to you. 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 are here to assist you every step of the way as you navigate your financial journey!

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SOUTHERN ENERGY CREDIT UNION - Jasper, AL

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Vehicle Loans

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