Apco Employees Credit Union Mobile AL | Affordable Auto Loans & Business Banking

Introduction

Welcome to Apco Employees, your trusted credit union located at 150 Saint Joseph St, Mobile, AL 36602. Since our establishment in 1953, we have been dedicated to serving our community with a personal touch and a commitment to financial well-being. With over 85,000 members benefiting from our services, we pride ourselves on being more than just a financial institution we are a community partner. At Apco Employees, we understand that financial needs vary greatly from person to person. Whether you're looking for a checking account to manage daily expenses or seeking financing for your dream car, we offer a range of products tailored just for you. Currently, our total assets stand at an impressive $3,509,874,314, with total deposits reaching $347,253,658. We also provide various loan options totaling 34,276, ensuring that our members have access to the funds they need. Our leadership team is here to guide you through your financial journey. Under the direction of CEO Derrick Ragland and Board President Gregg Shipp, we are committed to transparency and integrity in all our dealings. Our dedicated staff of 169 employees is always ready to assist you with any questions or concerns you may have. While members can visit us at our branch location in Mobile, official correspondence should be sent to the same address: 150 Saint Joseph St, Mobile, AL 36602-3915. We invite you to explore what makes Apco Employees unique! From personal banking services like checking and savings accounts to auto loans and credit cards with rewards there's something for everyone. If you're ready to take the next step toward achieving your financial goals, don't hesitate to reach out! Call us today at (251) 694-2383 or visit our website at apcocu.org. Join us on this exciting journey towards financial success!

Branch History & Mission

Community Focus

We understand that as a community-focused institution, our success is tied closely to the prosperity of Mobile and its residents. That's why we've embraced digital advancements like online banking and mobile payments while ensuring compliance with ADA standards so that all members can access our services easily. We also participate in partnerships that strengthen local programs aimed at education and financial literacy. Our operating hours are designed with your convenience in mind: Monday through Friday from 8:30 AM to 4:30 PM. While we currently do not offer drive-thru or ATM services directly at this location, our dedicated team is always ready to assist you with your banking needs. In closing, we invite you to join the growing family at Apco Employees Credit Union. Experience firsthand how we can help you navigate your financial journey while making a meaningful impact in your community. Together, let's build a brighter future! For more information or inquiries, feel free to reach out at (251) 694-2383.

Our Mission

At Apco Employees, we believe that banking should be accessible and beneficial for everyone. Our mission is to deliver not only financial services but also genuine support and guidance to our members. We strive to make a positive impact by focusing on community outreach initiatives that enhance the lives of those around us. From offering competitive loan rates to engaging in local charitable activities, we are committed to being more than just a credit union; we aim to be a trusted partner in every member's journey. While members can visit us at 150 Saint Joseph St, official correspondence should be sent to 150 Saint Joseph St, Mobile, AL 36602-3915 if different from our branch address.

Branch Location & Accessibility

Contact Us

If you have any questions before your visit or need assistance right away, don't hesitate to give us a call at 251-694-2383. We're here to help you every step of the way! Come see us at Apco Employees today; we look forward to welcoming you into our community-focused family!

Convenient Access

At Apco Employees, we prioritize accessibility. Our branch features ADA-compliant facilities, including ramps to ensure that all members can visit us comfortably. While parking can be found nearby, we encourage you to take advantage of our friendly staff who are always ready to assist you with any questions or needs.

Operating Hours

We're here for you during the week! Our lobby hours are from 8:30 AM to 4:30 PM, Monday through Friday. Whether you're looking to open an account, apply for a loan, or simply ask questions about our services, our dedicated team is ready to assist you during these hours.

Services Offered

While you're here, explore a variety of services we offer, such as personal banking options including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We also provide business banking services tailored for small businesses. Though we currently do not have ATM or drive-thru services available at this location, our staff will gladly help with cash withdrawal needs and other transactions inside the branch.

Member Eligibility

At Apco Employees, we believe that becoming a member is like joining a family where everyone supports one another. If you're looking to be part of our community, you'll be glad to know that eligibility is quite straightforward! Generally, individuals who live, work, or worship in the Mobile area can become members. We also welcome family members of existing members, ensuring that your loved ones can enjoy the benefits too. By joining us, you open the door to a variety of financial services tailored just for you from checking and savings accounts to auto loans and credit cards with rewards. To get started, simply visit us at 150 Saint Joseph St Mobile Al 36602 or give us a call at (251) 694-2383. For more detailed information about eligibility criteria, feel free to check out our website at . We can't wait to welcome you into our community and help you achieve your financial goals!

Business Banking & Commercial Services

Commercial Loans

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

Imagine having a reliable partner who understands your cash flow needs. Our merchant services provide easy payment processing solutions so you can focus on what matters most running your business smoothly. From credit card processing to online payments, we equip you with the tools to enhance customer satisfaction and improve sales. Visit us at 150 Saint Joseph St Mobile Al 36602 in Mobile, AL or call us at (251) 694-2383 to discover how our business banking services can empower your success!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer a range of services including merchant services and business loans tailored to support your growth. Whether you're starting a new venture or expanding an existing one, we have the resources to help you thrive.

Convenience at Your Fingertips

With online and mobile banking features, accessing your accounts has never been easier. You can manage everything from payments to transfers anytime, anywhere. Plus, if you need cash on the go, our ATM and cash withdrawal services are readily available. We invite you to experience all that Apco Employees has to offer! Our friendly staff is just a call away at (251) 694-2383 for any questions or assistance you may need. Stop by today at 150 Saint Joseph St Mobile Al 36602 and see how we can support your financial journey!

Credit Cards with Benefits

Don't forget about our credit cards with rewards! These cards provide not only purchasing power but also fantastic perks that can help you earn points on everyday purchases. This way, every swipe brings you closer to exciting rewards!

Loans for Every Need

If you're dreaming of homeownership, our mortgage loans and refinancing options can turn that dream into reality. We guide you through every step of the process, ensuring you understand your choices. For those unexpected expenses or consolidating debt, our personal loans offer flexible solutions tailored to your situation.

Personal Banking Solutions

Our personal banking services include checking and savings accounts that fit your lifestyle. Imagine effortlessly managing your finances through our user-friendly online and mobile banking platforms. You can check your balance, transfer funds, and even pay bills right from your phone! We also offer attractive auto loans and vehicle financing options, making it easier than ever to get behind the wheel of the car you want.

Digital & Online Banking

Convenient Online Access

With our online banking platform, accessible at https://www.southernenergycu.org/, you can manage your accounts 24/7. Whether you're checking your balance, transferring funds, or paying bills, everything is just a few clicks away. Our user-friendly interface ensures that you can navigate your finances with ease.

E-Statements for Easy Tracking

Say goodbye to paper clutter! With e-statements available at Apco Employees, you can receive your account statements electronically. This not only helps you stay organized but also allows you to access your financial information whenever you need it.

Mobile Banking on the Go

For those who prefer banking from their smartphones, our mobile application is available for download. This app allows you to perform all the essential banking tasks right from your pocket. Plus, with our mobile payments feature, making purchases has never been easier. Simply tap and pay securely without the hassle of cash or cards.

Quick Transfers Made Easy

Need to send money to a friend? Our person-to-person transfer feature makes it simple and fast. Just enter their details, and the money is sent securely in moments. In summary, Apco Employees offers comprehensive digital banking solutions that prioritize convenience and security. With our online banking services, mobile app, e-statements, and easy transfer options, managing your finances has never been more accessible. Explore all these features today!

Safe and Secure Transactions

Your security is our priority. Although we do not offer electronic signature authorization at this time, rest assured that all transactions are protected with robust security measures. You can bank confidently knowing your information is safe.

Financial Strength

Growing Member Trust

Our total share accounts stand at 171,866, showcasing a strong and growing member base that trusts us with their finances. As we continue to grow together, you can count on us for all your banking needs. 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 150 Saint Joseph St Mobile Al 36602 or call (251) 694-2383 to learn more about how we can help you achieve your financial goals.

Member Savings Security

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 strong performance is evident with a net income of $7,974,388, reflecting our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products tailored for our members' needs. We also take pride in having 157 full-time employees and 12 part-time employees. This dedicated team ensures that our branches are always ready to serve you with knowledge and care.

Reinvesting for 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 ability to extend support is reflected in our $5,662 in used auto loans and $900,683,806 in total loans and leases, which help fulfill various financial goals across different sectors.

Strong 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. This solid foundation is crucial for fostering trust and ensuring that your funds are in safe hands. Our net worth ratio of $1,400 demonstrates a solid capital foundation. This means 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. Whether you're interested in a brand-new model or a reliable used vehicle, our team is ready to assist you through every step of the process.

Credit Lines

For those looking for flexibility, our credit lines totaling $957,244,750 provide access to funds when needed. This can be particularly beneficial for managing cash flow or making larger purchases without incurring high-interest rates from traditional credit sources.

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 tailored solutions to fit your specific financial situation and guide you through the eligibility process to help you secure the funding you need.

Refinancing Options

If you're considering refinancing any of your existing loans or seeking eligibility options for our offerings, our dedicated team is here to help. We can work with you to assess your current financial situation and identify potential savings through our refinancing programs. For more information about our loan products or to discuss your needs with one of our knowledgeable representatives, feel free to contact us at 251-694-2383. 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're committed to supporting your financial journey every step of the way.

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. This option can be an excellent way to consolidate debt or cover unexpected expenses without tying up collateral.

Loan Aggregator

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User Trust and Testimonials

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Apco Employees