Apco Employees Credit Union Tuscaloosa AL | Quick Personal Loans & Checking Accounts

Introduction

Welcome to Apco Employees, your trusted partner in financial growth and community support since 1953! Located at 630 15Th St, Tuscaloosa, AL 35401, our credit union is dedicated to providing exceptional banking services tailored to meet the needs of our 85,419 valued members. With total assets reaching an impressive $3,509,874,314 and total deposits of $347,253,658, we are committed to ensuring your financial security and prosperity. At Apco Employees, we understand that every member is unique. That's why we offer a range of personal and business banking services, including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our friendly team of 169 employees, led by CEO Derrick Ragland and Board President Gregg Shipp, is here to assist you with all your financial needs. While members can visit us at our branch in Tuscaloosa, official correspondence should be sent to the same address: 630 15th St, Tuscaloosa, AL 35401-4737. We invite you to explore our website at apcocu.org for more information about our services or to get started on your next financial journey. Join us today and discover the benefits of being part of a community-focused credit union that truly cares about your financial well-being. Call us at 205-345-6550 or stop by during our lobby hours from Monday to Friday, 9:30 AM to 5:30 PM. We look forward to serving you!

Branch History & Mission

Join Us Today

With operating hours from Monday through Friday, 9:30 AM to 5:30 PM, we invite you to stop by or give us a call at 205-345-6550. Experience firsthand how Apco Employees can make a difference in your life. Together, let's build a brighter financial future!

Our Journey

Located at 630 15th St, Tuscaloosa, AL 35401, our branch has witnessed significant milestones that reflect our commitment to the community. From our early days offering simple savings accounts to becoming a full-service financial institution, we have continually adapted to meet the needs of our members. Our evolution includes embracing digital advancements such as online banking and mobile payments, making it easier than ever for our members to manage their finances. While members can visit us at our physical location in the heart of Tuscaloosa, official correspondence should be sent to the same address for convenience. We are also proud to offer ATM services right here at our branch, ensuring that you have easy access to your funds whenever you need them.

Our Mission

At Apco Employees, our mission is clear: we are dedicated to enhancing the financial well-being of our members while supporting the communities in which they live. We strive to provide a range of services from checking and savings accounts to auto loans and business banking that cater to diverse financial needs. Our goal is not just about transactions; it's about building lasting relationships and fostering economic growth within Tuscaloosa and beyond. We believe in giving back through various community outreach initiatives and partnerships that uplift those around us. Whether it's sponsoring local events or supporting educational programs, we are committed to making a positive impact.

Branch Location & Accessibility

Welcome to the Apco Employees branch in Tuscaloosa, where convenience meets community! Located at 630 15th St, this branch is easy to find and accessible for all members. Whether you're stopping by after work or on your lunch break, our doors are open Monday through Friday from 9:30 AM to 5:30 PM, ready to assist you with all your banking needs. As you approach our branch, you'll notice it's situated near the vibrant heart of Tuscaloosa, close to local landmarks that make it a familiar spot for residents. Parking is available right outside our entrance, and we've made sure our facilities are accessible for everyone, including ramps and ADA-compliant features. While members can visit us at 630 15th St, official correspondence should be sent to the same address. If you have any questions or need assistance before your visit, feel free to give us a call at 205-345-6550. For your convenience, we offer ATM services right here at the branch so you can quickly access cash when needed. Although we don't have drive-thru service, our friendly staff is always ready to help you inside. Plus, if you're a member of a partner credit union, you can take advantage of basic shared branch transactions here too! We invite you to stop by and experience the personal touch that Apco Employees is known for. Whether it's setting up a new account or discussing loan options like auto loans and credit cards with rewards, our team is dedicated to helping you achieve your financial goals. We look forward to welcoming you soon!

Member Eligibility

At Apco Employees, we believe that everyone deserves to be part of a caring community where their financial needs are prioritized. Becoming a member is straightforward and welcoming. If you live, work, worship, or attend school in the Tuscaloosa area, you're likely eligible to join us! We're dedicated to supporting our members with a range of services tailored to your needs, from checking accounts to auto loans. For specific details about eligibility, feel free to check out our website at . Opening an account at Apco Employees is designed to be as easy as possible. You can reach out to us directly at (205) 345-6550 if you have any questions or need assistance with the process. We're here to help you every step of the way! Join us today and experience the benefits of being part of our credit union family right here at 630 15Th St Tuscaloosa Al 35401.

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

Imagine being able to accept payments seamlessly from customers, whether they're using credit cards or mobile payments. Our merchant services provide practical tools that simplify transactions, allowing you to focus on what you do best running your business. Located at 630 15Th St Tuscaloosa Al 35401 in Tuscaloosa, AL, we are dedicated to fostering local entrepreneurship and helping your business thrive. Reach out to us at (205) 345-6550 to learn more about how we can assist you on your journey to success!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

We also offer convenient ATM & Cash Withdrawal Services, so accessing your funds is never a hassle. Our ATMs are available for quick cash withdrawals and balance checks wherever you go.

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our Auto Loans & Vehicle Financing services make it easy and affordable. With flexible terms and competitive rates, we help you get behind the wheel without breaking the bank. Picture yourself cruising down the road in a car that's not only reliable but also fits comfortably within your budget.

Business Banking Services

If you're a business owner, our Business Banking services are designed with you in mind. From Merchant Services to Business Loans, we provide the tools necessary to help your business thrive in today's competitive landscape.

Credit Cards with Rewards

Maximize your spending with our Credit Cards with Rewards program. Earn points on everyday purchases that can be redeemed for travel, merchandise, or cash back. It's like getting paid to spend!

Mortgage Loans & Refinancing

Buying a home is one of life's biggest decisions. At Apco Employees, we provide various options for Mortgage Loans & Refinancing to ensure you find the right fit. Whether you're buying your first home or refinancing an existing mortgage, our experts will guide you every step of the way, making the process as smooth as possible.

Online & Mobile Banking

In today's fast-paced world, convenience is key. With our robust Online & Mobile Banking platforms, you can manage your accounts anytime, anywhere. Pay bills, transfer funds, and check balances all from the palm of your hand making banking simple and accessible.

Personal Banking Solutions

Whether you're just starting your financial journey or looking to enhance your savings, our Personal Banking options are tailored for you. We offer Checking & Savings Accounts that come with competitive interest rates and no monthly fees. Imagine easily managing your funds while saving for that dream vacation or unexpected expenses.

Personal Loans & Debt Consolidation

Need extra cash for an unexpected expense? Our Personal Loans & Debt Consolidation services can help ease financial stress by providing quick access to funds. You can consolidate high-interest debts into one manageable payment, simplifying your finances and potentially saving money on interest.

Shared Branch Transactions

Additionally, if you're a member of partner credit unions, take advantage of our Basic Shared Branch Transactions which allow deposits and withdrawals right from our branch. At Apco Employees, we pride ourselves on understanding what matters most to our members. We strive to create an experience that feels personal and supportive at every touchpoint. Ready to explore how we can assist you? Visit us at 630 15Th St Tuscaloosa Al 35401, call us at (205) 345-6550, or check out more information on our website at Tuscaloosa. Your financial well-being is just a step away!

Digital & Online Banking

Always Secure

Security is our top priority. While we don't currently offer electronic signature authorization, we ensure that all transactions are protected with advanced security measures so you can bank with confidence. At Apco Employees, we're committed to providing accessible and efficient banking solutions tailored to fit your lifestyle. Join us today and experience the convenience of modern banking!

Convenient Online Banking

With our online banking service available at https://www.southernenergycu.org/, you can check your account balances, pay bills, and transfer money anytime, anywhere. Our user-friendly interface ensures that you can navigate with ease, making banking less of a chore and more of a breeze.

E-Statements for Easy Access

Say goodbye to paper clutter! We offer e-statements so you can access your financial documents quickly and securely. No more waiting for the mail; your statements are just a click away.

Mobile Banking Made Simple

Our mobile application makes it even easier to manage your money right from your smartphone. Need to make a payment or transfer funds? With our mobile payments feature, it's all at your fingertips. Plus, you can send money directly to friends or family with our person-to-person transfers.

Financial Strength

Commitment to Innovation

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 robust: we have $5,662 in used auto loans and $900,683,806 in total loans and leases, supporting our members' financial goals across various sectors.

Growing Member Base

Total Share Accounts stand at 171,866, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 also signify our capability to support your needs effectively. 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 630 15Th St Tuscaloosa Al 35401 or call (205) 345-6550 to learn more about how we can help you achieve your financial goals.

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 who ensure that our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

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. This is evident as we have $0 in non-member deposits, ensuring that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

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. 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.

Loan Offering

Additional Services

For those seeking business opportunities, we provide commercial loan solutions as well. Although there are currently no outstanding commercial loans offered at our branch, we're always here to discuss how we can support your business growth through various financial products. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you have questions about our loan offerings or would like assistance in determining which product is right for you, feel free to reach out! You can contact us at (205) 345-6550 or visit us at 630 15Th St Tuscaloosa AL 35401 during our lobby hours from Monday to Friday between 9:30 AM and 5:30 PM. Let Apco Employees help you navigate your financial journey with confidence.

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 financing options for both new and used vehicles to ensure you can find something that suits your lifestyle and needs.

Credit Card Loans

Managing everyday expenses can be challenging. That's why we offer flexible terms on unsecured credit card loans, with a total of $32,454,970 in loans helping members manage their finances effectively. Whether you need to make a big purchase or just want a little extra flexibility in your budget, our credit card options are here for you.

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 also have refinancing options available if you're looking to lower your monthly payments or tap into your home's equity.

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 aggregating loan offers in one accessible platform, users can navigate their options more easily and find the best deal for their needs. LendMesh ensures accurate loan comparisons by sourcing data 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 rigorous approach guarantees that all loan offers presented are fair and transparent, helping consumers make informed decisions without confusion. One of the key benefits of using LendMesh is its commitment to Verified Data. All loan offers come from legitimate financial institutions, which fosters trust and clarity in the borrowing process. Additionally, LendMesh operates with No Sponsored Listings, meaning lenders are not prioritized based on paid promotions. This dedication to neutrality ensures users receive only unbiased results when comparing loans. Furthermore, LendMesh provides Real-Time Rate Comparisons, offering up-to-date information from multiple institutions. This feature allows users to see current rates at a glance, making it easier to identify competitive offers 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 underscores the reliability of LendMesh as a tool for finding favorable lending options. 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