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

Introduction

Welcome to Apco Employees, your trusted partner in financial services located at 244 Dexter Ave, Montgomery, AL 36104. Since our establishment in 1953, we have proudly served the community with a commitment to member satisfaction and financial growth. With a strong membership base of 85,419 individuals and a robust asset portfolio totaling $3,509,874,314, we are dedicated to helping you achieve your financial goals. At Apco Employees, we understand that personal finance can be overwhelming. That's why our experienced team is here to offer personalized solutions tailored just for you. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or business banking services, we have the tools you need to succeed. Our total deposits stand at $347,253,658, reflecting the trust our members place in us. Led by our CEO Derrick Ragland and Board President Gregg Shipp, our team of 169 employees is passionate about making a positive impact in your financial journey. We pride ourselves on maintaining a net worth of $491,414,926 and cash reserves of $5,273,770, ensuring that we are well-equipped to meet your needs today and in the future. While members can visit us at our physical location on Dexter Avenue, please note that all official correspondence should be sent to the same address. If you're ready to take the next step in your financial journey or have any questions about our services, don't hesitate to reach out! Call us at 334-832-3822 or explore our offerings online at apcocu.org. Join us today and experience the Apco Employees difference where community matters!

Branch History & Mission

Join Us!

While members can visit us at 244 Dexter Ave, official correspondence should be sent to 244 Dexter Ave, Montgomery, AL 36104-3739. Our operating hours are Monday through Friday from 8:30 AM to 4:30 PM. Although we currently do not offer ATM services or drive-thru banking, we're always here for you through phone support at 334-832-3822 or via our website at Apco Employees. We invite you to join Apco Employees and experience firsthand the benefits of being part of a credit union that truly cares about its members and community. Together, let's build a stronger future!

Our Journey

From our humble beginnings, Apco Employees has been dedicated to providing exceptional financial products and services tailored to meet the needs of our community. We have continuously adapted to the changing landscape of banking while holding true to our core mission: empowering members through personalized service and fostering financial well-being. As we look back on nearly 70 years of service, we are proud of our achievements, including our extensive range of offerings such as checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Our commitment to innovation has led us to embrace digital advancements like online banking and mobile payments, making banking more convenient for everyone.

Our Mission

At Apco Employees, our mission is simple yet impactful: we strive to enhance the financial lives of our members while supporting the communities we serve. We believe that everyone deserves access to quality financial services that can help them achieve their goals whether it's buying a new home or saving for retirement. Our team is passionate about community support; we regularly engage in outreach programs and partnerships that uplift local organizations. We understand that when our community thrives, so do we.

Branch Location & Accessibility

Community-Centric Services

Here at Apco Employees, we take pride in providing a range of personal banking services tailored just for you. From checking and savings accounts to auto loans and credit cards with rewards, we're committed to helping you achieve your financial goals. We also offer business banking solutions and online/mobile banking options for added convenience. If you have any questions or need assistance, don't hesitate to give us a call at 334-832-3822. We look forward to welcoming you into our community!

Convenient Access and Features

At Apco Employees, we understand how important it is for our members to have easy access to banking services. Our branch features convenient parking options and is equipped with accessibility features to ensure everyone can visit us comfortably. We offer welcoming lobby hours from 8:30 AM to 4:30 PM on weekdays, making it simple for you to stop by when it fits your schedule. While we currently do not have ATM services or drive-thru banking available at this location, our friendly staff is always ready to assist you inside the branch.

Member Eligibility

Becoming a member of Apco Employees is like joining a close-knit family that supports you every step of the way. If you're looking to experience personalized service and community-focused banking, you've come to the right place! To be eligible for membership, you typically need to live or work in the area, but don't worry it's designed to be inclusive and welcoming. You can find more detailed information about the specific eligibility criteria at . Opening your account is easy and straightforward, allowing you to access a range of services from checking and savings accounts to auto loans and credit cards with rewards. If you have questions or want to get started, feel free to reach out to us at (334) 832-3822. Visit us at our convenient location: 244 Dexter Ave Montgomery Al 36104, and let's help you take the first steps toward becoming part of our wonderful community!

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

In addition to loans, we offer tailored merchant services designed to simplify your transactions. Imagine being able to accept payments seamlessly, whether online or in-store. Our services can help you manage cash flow efficiently while allowing you to focus on what truly matters growing your business. Visit us at 244 Dexter Ave Montgomery Al 36104 in Montgomery, AL or call us at (334) 832-3822 to learn how we can support your business journey today!

Comprehensive List Of Services

Convenient Digital Banking Features

In today's fast-paced world, we know how important it is to manage finances on the go. That's why we offer comprehensive Online & Mobile Banking features. Access your accounts anytime, anywhere, through our user-friendly mobile application. You can pay bills, transfer funds, and even send money easily with our Person-to-Person payment service. While we currently do not have ATMs or drive-thru services at this location, we assure you that our digital banking options provide unparalleled ease of access for all your transactions. At Apco Employees, we're committed to making banking simple and accessible for everyone in our community. Explore these services today and see how we can assist you on your financial journey! For more information or assistance, don't hesitate to reach out at (334) 832-3822 or visit us online at our website.

Credit Options and Business Banking

Looking for a way to earn rewards while you spend? Our Credit Cards with Rewards allow you to do just that! Use them for everyday purchases and watch as points accumulate towards exciting rewards. If you're a business owner, you'll find value in our Business Banking services, which include Merchant Services and Business Loans. We aim to support local businesses by providing the necessary tools for success whether it's securing financing for expansion or setting up efficient payment processing.

Personal Banking Solutions

For individuals seeking financial stability, our Personal Banking services are designed to meet your everyday needs. Open a Checking or Savings Account with us, and enjoy the peace of mind that comes with easy access to your funds. Whether you're saving for a vacation or managing daily expenses, our accounts provide flexibility and convenience. When it comes to purchasing a vehicle, our Auto Loans & Vehicle Financing options make it easier than ever. Imagine driving off in your dream car without the stress of overwhelming payments. We offer competitive rates and terms that fit your budget. If homeownership is on your radar, consider our Mortgage Loans & Refinancing services. With personalized guidance, we can help you navigate the mortgage process smoothly, whether you're buying your first home or refinancing an existing loan for better terms. For those facing unexpected expenses or looking to consolidate debt, our Personal Loans & Debt Consolidation options can provide the relief you need. Picture having one manageable monthly payment instead of juggling multiple bills our loans are here to simplify your life.

Digital & Online Banking

Key Services

Our online banking platform is user-friendly and packed with features to help you stay on top of your financial goals. You can view your account balances, transfer funds, and pay bills without having to step foot in a branch. Plus, if you prefer going paperless, our e-statements are readily available, allowing you to keep track of your finances while being environmentally friendly. For those who are always on the go, our mobile application is a game-changer. It offers mobile payments for quick transactions and person-to-person transfers so you can send money to friends or family effortlessly. Imagine splitting the dinner bill or paying back a friend in just a few taps!

Security & Accessibility

Security is our top priority. While we do not currently offer electronic signature authorization for transactions, our online banking system employs advanced encryption technology to protect your sensitive information. You can feel confident knowing that your financial data is safe with us. With all these features combined, managing your finances has never been easier or more secure. At Apco Employees, we aim to provide you with the tools needed for real-time account management and peace of mind as you navigate your financial journey. So why wait? Dive into the future of banking today with our digital services!

Financial Strength

Investment in 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 also robust: we have $5,662 in used auto loans and $900,683,806 in total loans and leases available to support your financial goals across various sectors.

Member-Focused 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 $7,974,388 reflects our operational efficiency, 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 who are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

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.

Strong Membership Base

With a total of 171,866 accounts, we have built a strong and growing member base that trusts us with their finances. This trust translates into a community where your needs come first. 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 244 Dexter Ave Montgomery Al 36104 or call (334) 832-3822 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Options

We also cater to business owners with exceptional services tailored for their financial growth. Although there are currently no outstanding commercial loans available at this branch, we are always ready to assist you with potential future opportunities. If you're considering refinancing any existing loans or checking eligibility for our services, our team is here to help guide you through all available options. For more information about how we can support your financial journey at Apco Employees, feel free to reach out via phone at 334-832-3822 or visit us at our branch located at 244 Dexter Ave Montgomery Al 36104. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 terms that can fit into your budget while making it easier for you to drive away in the vehicle of your choice.

Credit Lines and Unsecured Loans

For those looking for more flexibility with their finances, we offer total credit lines amounting to $957,244,750. This allows you to have access to funds when needed without going through a lengthy application process each time. Additionally, our unsecured credit card loans total $32,454,970, providing you with manageable ways to cover unexpected expenses while earning rewards along the way.

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 guide you through every step of the process to ensure you find the right solution for your housing needs.

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. By centralizing data from multiple lenders, LendMesh allows users to see their options clearly and make informed decisions. LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment is based on the latest results available (Source: https://www.ncua.gov), guaranteeing that users receive fair and transparent offers tailored to their needs. One significant benefit of using LendMesh is its emphasis on verified data. All loan offers are sourced from legitimate financial institutions, which fosters trust and transparency in the comparison process. Additionally, there are no sponsored listings; LendMesh does not prioritize lenders based on paid promotions. The aim is to provide unbiased results so users can choose loans based solely on the terms and rates that suit them best. With real-time rate comparisons, users have access to up-to-date information from multiple institutions. This feature helps potential borrowers avoid missing out on better rates that may arise after they start their search elsewhere. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the reliability and effectiveness of LendMesh as a resource for consumers seeking to secure the best financial products available. 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.

Apco Employees