Apco Employees Credit Union Pelham AL | Quick Personal Loans & Auto Financing

Introduction

Welcome to Apco Employees, where your financial well-being is our priority! Located at 301 Huntley Pkwy, Pelham, AL 35124, we have been proudly serving our community since 1953. With a membership of over 85,419 individuals, our credit union has grown to manage assets totaling an impressive $3,509,874,314. We understand that each member's journey is unique, which is why we offer a range of personal and business banking services tailored to meet your needs. At Apco Employees, we value trust and transparency. Our dedicated team of 169 employees, led by CEO Derrick Ragland and Board President Gregg Shipp, is here to guide you through every step of your financial journey. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing options, we've got you covered. In addition to our comprehensive services, we boast total deposits of $347,253,658 and total loans amounting to 34,276. We take pride in our strong net worth of $491,414,926, which reflects our commitment to stability and growth for our members. With cash on hand totaling $5,273,770, you can rest assured knowing that your finances are secure with us. While members can visit us at the branch for personalized service during our lobby hours from 8:30 AM to 4:30 PM, official correspondence should be sent to the same address. Our goal is to create lasting relationships within the community while providing excellent financial services that empower you. Ready to take the next step in your financial journey? Call us at 205-664-7421 or explore more about what we offer at apcocu.org. Join us today and experience the Apco Employees difference!

Branch History & Mission

Welcome to Apco Employees, where our roots run deep in the heart of Pelham, AL. Established in 1953, we have proudly served our community for decades, providing a range of financial services tailored to meet the needs of our members. Over the years, we have grown from a small credit union into a trusted financial partner, now boasting a membership of over 85,419 members and total assets reaching an impressive $}. Located at 301 Huntley Pkwy Pelham Al 35124, right near [insert nearby landmark or feature], our branch is easily accessible for all your banking needs. While members can visit us at 301 Huntley Pkwy Pelham Al 35124, official correspondence should be sent to 301 Huntley Pkwy, Pelham, AL 35124. Our dedicated team is here to assist you during our operating hours from 8:30 AM to 4:30 PM on weekdays. At Apco Employees, our mission is clear: we strive to provide exceptional financial services while fostering community support and outreach. We believe that strong communities are built on strong relationships, and this philosophy drives everything we do. From personal banking solutions like checking and savings accounts to loans and credit card options, we are committed to helping you achieve your financial goals. We also offer business banking services, ensuring that local businesses have the resources they need to thrive. Our commitment doesn't stop at banking; we're deeply invested in our community's growth and well-being. Through various partnerships and outreach efforts, we actively support local initiatives that make a difference in people's lives. Whether it's sponsoring community events or collaborating with other organizations, we aim to uplift those around us. As technology advances, so do we. Our digital offerings include online banking, mobile payments, and person-to-person transactions, making it easier than ever for you to manage your finances on the go. Our branch is also ADA compliant, ensuring that all members of our community can access our services comfortably. With convenient ATM availability and drive-thru banking options at Apco Employees, your banking experience will always be smooth and efficient. We also participate in shared service centers, allowing you access to additional resources as needed. Join us at Apco Employees today and experience firsthand how we're not just another credit union we're your neighbors, dedicated to supporting you every step of the way. Together, let's build a brighter financial future! For any inquiries or assistance, feel free to call us at (205) 664-7421.

Branch Location & Accessibility

ATM Availability

For those times when you need cash fast, we've got you covered with an ATM available on-site. Whether it's a quick withdrawal or checking your balance, you'll find the convenience you need right here at our Pelham branch. We invite you to visit us or give us a call at 205-664-7421 if you have any questions or need assistance. At Apco Employees, we're more than just a credit union; we're part of your community dedicated to helping you achieve your financial goals!

Convenient Access

While our physical location is at 301 Huntley Pkwy, members can also reach us via official correspondence sent to the same address. Our branch is easily accessible with ample parking available for your convenience. Plus, we are committed to ensuring all members have access to our services, featuring ADA-compliant facilities and ramps for those who need them.

Operating Hours and Services

At Apco Employees, we understand that your time is valuable. That's why we're open Monday through Friday from 8:30 AM to 4:30 PM, ready to assist you with a range of personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, our knowledgeable staff is here to help guide you through your financial journey. If you're in a hurry or prefer not to enter the branch, take advantage of our drive-thru banking services for quick deposits and withdrawals. Additionally, we provide shared services for partner credit union members, making it easier than ever to manage your finances on the go.

Member Eligibility

At Apco Employees, we believe that becoming a member means joining a caring and supportive community where your financial well-being matters. If you're looking to become part of our family, you'll be pleased to know that eligibility is designed to be welcoming and inclusive. Generally, anyone who lives, works, or worships in the Pelham area can apply for membership. We also extend our services to immediate family members of existing members. This means that if you share a household with someone already part of Apco Employees, you can easily join too! You can find more detailed information about eligibility on our website at . Joining us is simple! Once you confirm your eligibility, opening an account at Apco Employees is straightforward and hassle-free. Our friendly team is here to guide you through the process, ensuring that you feel comfortable every step of the way. For any questions or assistance, don't hesitate to reach out by calling us at (205) 664-7421. We're excited to welcome you into our community at 301 Huntley Pkwy Pelham Al 35124!

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 world, having efficient payment solutions is crucial. That's where our merchant services come in. Imagine being able to accept payments easily from your customers whether they prefer credit cards, mobile payments, or online transactions. This not only enhances customer satisfaction but also improves your cash flow and operational efficiency. Visit us at 301 Huntley Pkwy Pelham Al 35124 in Pelham, AL, or call us at (205) 664-7421 to learn how we can help your business grow with tailored banking solutions that meet your needs!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Convenience is key when it comes to accessing your money. With our ATM services, you can withdraw cash or check balances whenever you need. Plus, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car.

Auto Loans & Vehicle Financing

If you're dreaming of a new car, our auto loans and vehicle financing options are designed to make that dream a reality. We offer competitive rates and flexible terms so that you can drive off in the vehicle you want without breaking the bank. Whether it's a brand-new model or a reliable used car, we've got you covered.

Business Banking

If you're a business owner, we haven't forgotten about you! Our business banking services, including merchant services and business loans, are tailored to help local businesses thrive. We understand the challenges entrepreneurs face and are committed to providing solutions that support growth.

Credit Cards with Rewards

For those who enjoy earning perks while spending, our credit cards with rewards offer great benefits. Whether it's cash back on purchases or points toward travel and other rewards, using our credit card can be both convenient and rewarding.

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll ever make. Our mortgage loans and refinancing services can help simplify this process. We work with you to find the right loan product that fits your budget, ensuring that homeownership is within reach. If you're looking to refinance an existing mortgage, we can assist with that too, potentially lowering your monthly payments.

Personal Banking

We understand that managing your day-to-day finances is crucial. That's why we provide personal banking options including checking and savings accounts that help you keep track of your money while earning interest. You can easily access your accounts through online and mobile banking, allowing you to manage your funds from the comfort of your home or on the go. Plus, with features like e-statements and mobile payments, staying organized and making transactions has never been easier.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Our personal loans can provide the financial relief you need, whether it's for medical bills, home repairs, or other needs. Additionally, if you're juggling multiple debts, consider our debt consolidation options to streamline your payments into one manageable loan.

Shared Branch Transactions

We also offer shared branch transactions, which means if you're a member of partner credit unions, you can perform basic transactions like deposits and withdrawals at our location too! In today's fast-paced world, having easy access to financial services is essential. At Apco Employees, we're dedicated to providing these services with a personal touch. If you have any questions or would like more information about what we offer, don't hesitate to reach out at (205) 664-7421 or visit us at 301 Huntley Pkwy Pelham Al 35124 in Pelham. Let's work together towards securing your financial future!

Digital & Online Banking

Key Features

With our online banking, you can easily check your account balances, transfer money, and pay bills all from the comfort of your own device. For those who prefer using their smartphones, our mobile application provides all the same features right at your fingertips. You can even make mobile payments with just a tap, making transactions quicker and more convenient than ever.

Security and Ease of Use

We prioritize your security and have put measures in place to protect your information. While we currently do not offer electronic signature authorization, rest assured that our online platform is user-friendly and designed with your safety in mind. Plus, you can opt for e-statements to keep track of your financial activity while reducing paper clutter.

Stay Connected

Need to send money to a friend or family member? Our person-to-person transfer feature makes it simple! Just a few clicks are all it takes to send funds directly to someone else's account. All these services are available whenever you need them, so managing your finances has never been more accessible. Explore all that digital banking has to offer at Apco Employees today! Visit us online at https://www.southernenergycu.org/ and take control of your financial future.

Financial Strength

Commitment to Growth

Our $20,000,000 in undivided earnings allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $5,662 in used auto loans and $900,683,806 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Growing Membership Base

With total share accounts reaching 171,866, we have a strong and growing member base that trusts us with their finances. Our net shares stand at $0, further emphasizing our capability to lend and invest wisely. 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 301 Huntley Pkwy Pelham Al 35124 or call (205) 664-7421 to learn more about how we can help you achieve your financial goals.

Member-Centric Approach

We prioritize our members above all else. 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, with non-member deposits at $0, we focus our resources 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 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. This solid net worth is complemented by our net worth ratio of $1,400, which demonstrates a robust capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Loan Services

In addition to auto and mortgage loans, we provide personal loans for debt consolidation and other needs. Our total credit lines available amount to $957,244,750, giving you access to funds when you need them most. If you're interested in refinancing options or have questions about eligibility for our various loan products, don't hesitate to reach out. We believe in transparency and are here to ensure you understand all your options. For any inquiries or assistance, please contact us at (205) 664-7421. Visit us at our branch located at 301 Huntley Pkwy Pelham Al 35124 in Pelham, AL, or explore more online at https://www.southernenergycu.org/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let Apco Employees be your partner in achieving your financial dreams!

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 looking for a brand-new vehicle or a reliable used option, our financing solutions are here to assist you every step of 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 strive to provide competitive rates and flexible terms so that owning your dream home can be a reality.

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 credit cards come with great rewards and benefits, allowing you to make purchases with confidence while building your credit history.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan 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 ensures that users receive fair and transparent offers. Each listing is carefully vetted to provide accurate information that helps users make informed decisions about their borrowing options.

Apco Employees