Apco Employees Credit Union Tuscaloosa AL | Affordable Vehicle Loans & ATM Services

Introduction

At Apco Employees, we believe that banking should be a relationship built on trust and community support. Located at 915 Queen City Ave, Tuscaloosa, AL 35401, our branch has been proudly serving members since 1953. We are committed to providing exceptional financial services that empower our 85,419 members to achieve their goals. With total assets exceeding $3.5 billion and total deposits of $347,253,658, we stand strong as a pillar in the Tuscaloosa community. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to the same address: 915 Queen City Ave, Tuscaloosa, AL 35401. Our dedicated team of 169 employees, led by CEO Derrick Ragland and Board President Gregg Shipp, works tirelessly to ensure that every member feels valued and supported. Whether you're looking for personal banking options like checking and savings accounts, or need assistance with auto loans and mortgages, we have tailored solutions just for you. With a healthy net worth of $491,414,926 and cash in hand totaling $5,273,770, we are well-equipped to meet your financial needs while also giving back to the community we cherish. Discover how Apco Employees can help you navigate your financial journey today! For more information or to speak with one of our friendly representatives, call us at 205-722-7300 or visit our website at apcocu.org. We look forward to serving you!

Branch History & Mission

A Legacy of Growth

Since opening our doors, we have evolved significantly. Starting with a small group of dedicated employees, we've expanded our services to meet the diverse needs of our members. Today, Apco Employees boasts total assets of over $3.5 billion and continues to thrive in providing valuable financial services. Our longstanding presence in the community has allowed us to build strong relationships and foster trust among our members.

Community Commitment

Our commitment extends beyond financial transactions; it includes a genuine dedication to community support. We actively engage in outreach efforts and partnerships that uplift those around us. By participating in local events and initiatives, we strive to make a positive impact on the lives of residents in Tuscaloosa and beyond. While members can visit us at 915 Queen City Ave for their banking needs, official correspondence should be sent to the same address as we prioritize ease of communication.

Join Us Today!

As we look towards the future, Apco Employees remains devoted to serving our members with integrity and care. If you're seeking a credit union that values its community as much as its members, consider joining us today! Experience firsthand how Apco Employees can help you achieve your financial goals while being part of a supportive family-oriented environment. For more information or assistance, feel free to reach out at 205-722-7300 during our operating hours from 8:15 AM to 4:30 PM on weekdays. Together, let's build a brighter financial future!

Our Mission

The heart of Apco Employees lies in our mission: to provide exceptional financial services while supporting the communities we serve. We believe that banking should be accessible and straightforward for everyone. That's why we offer a variety of personal and business banking solutions tailored to fit individual needs whether it's checking accounts, auto loans, or mortgage refinancing. We are proud to embrace technology that enhances the member experience, offering online and mobile banking options for added convenience. With ADA compliance at the forefront of our operations, we ensure that all members can access our services without barriers.

Branch Location & Accessibility

Welcome to Apco Employees, your trusted credit union located at 915 Queen City Ave in the heart of Tuscaloosa, Alabama. Our branch is easily accessible and designed to meet your banking needs with convenience and care. Whether you're visiting us for personal banking or exploring options like auto loans and mortgages, our friendly staff is ready to assist you. While you can find us at this address for all your banking needs, please note that any official correspondence should be sent to the same address: 915 Queen City Ave, Tuscaloosa, AL 35401. Situated near popular local landmarks, our branch is easy to reach and offers ample parking for your convenience. We pride ourselves on being ADA compliant, ensuring that everyone can access our services without hassle. If you're stopping by during our lobby hours, we're open from 8:15 AM to 4:30 PM on weekdays, making it simple to fit your visit into your busy schedule. For those on the go, we also offer ATM services right at our location. Although we do not have drive-thru banking available, our staff is always on hand to help you with any transactions you need to complete. At Apco Employees, we offer a variety of services designed for both individuals and businesses. From checking and savings accounts to personal loans and credit cards with rewards, we've got you covered. If you have any questions or need assistance, feel free to give us a call at 205-722-7300. We invite you to stop by and experience the friendly service that sets us apart! Come see how we can help you achieve your financial goals today!

Member Eligibility

At Apco Employees, we believe that becoming a member is like joining a close-knit family that truly cares about your financial well-being. To become part of our community, you simply need to meet a few eligibility criteria. Whether you're an employee of a certain company or live in the surrounding area, there's a good chance you qualify to join us. We welcome individuals from diverse backgrounds and look forward to supporting you on your financial journey. For more detailed information about the specific eligibility requirements, feel free to check out our eligibility page. Joining is easy! Once you've confirmed your eligibility, opening an account with us is straightforward. You can visit our branch located at 915 Queen City Ave Tuscaloosa Al 35401 or give us a call at (205) 722-7300 for assistance. Our friendly team is here to guide you through every step of the process, ensuring you have all the support you need to start enjoying the many benefits of being a member 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

Imagine running your business smoothly with streamlined payment processes. Our merchant services make it easy for you to accept payments from customers, whether in-person or online. This means faster transactions and happier customers, allowing you to focus on what matters most growing your business. Located at 915 Queen City Ave Tuscaloosa Al 35401 in Tuscaloosa, AL, we invite you to visit us or call us at (205) 722-7300 to learn more about how our business banking and commercial services can help elevate your enterprise.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? With our ATM services available at various locations including right here at Apco Employees, accessing your funds is quick and hassle-free. You can withdraw cash or check balances without stepping inside the branch. At Apco Employees, we're committed to making banking accessible and convenient for all our members. If you'd like more information about any of these services or need assistance, please don't hesitate to call us at (205) 722-7300. We're here to help!

Auto Loans & Vehicle Financing

Dreaming of a new car? Our auto loans and vehicle financing options can get you on the road in no time. We offer competitive rates that fit any budget, making it easier for you to finance that perfect ride. Picture driving off in a car that suits your lifestyle, all while keeping your monthly payments manageable.

Business Banking

If you're a business owner, we provide essential business banking services including merchant services and business loans. We understand how important cash flow is for your business operations, which is why we're here to support you with tailored solutions.

Credit Cards with Rewards

For those who love earning rewards, our credit cards offer great benefits that can enhance your everyday spending. Whether you're buying groceries or planning a vacation, earn points on every purchase and redeem them for exciting rewards.

Mortgage Loans & Refinancing

Thinking about purchasing a home or refinancing your current mortgage? Our mortgage loans are designed to guide you through the process with ease. We provide personalized support to help you find the best option for your situation, whether it's your first home or an investment property.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking features allow you to manage your finances anytime, anywhere. From checking balances to transferring funds or paying bills with just a few taps on your smartphone, banking has never been easier.

Personal Banking

Whether you're opening your first checking account or looking to save for future aspirations, our personal banking services are tailored just for you. With options like checking and savings accounts, we make it easy to manage your day-to-day finances. Imagine setting up an account that not only keeps your money safe but also helps it grow over time!

Personal Loans & Debt Consolidation

Life sometimes throws unexpected expenses our way. With our personal loans and debt consolidation options, we can help lighten that load. Envision consolidating multiple debts into one simple payment, allowing you to focus on what truly matters.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, so you can manage your money whenever it suits you. If you're looking for quick ways to send money to friends or family, our person-to-person transfers make it simple and fast. Plus, with e-statements available, you can easily keep track of your financial activities without the clutter of paper statements. For those who prefer mobile banking, our dedicated mobile application offers a seamless experience right from your smartphone. You can make mobile payments, check account balances, and even deposit checks all from the palm of your hand! And if you're ever in doubt about signing documents digitally, you can enjoy peace of mind knowing that electronic signature authorization is not required for most transactions. In today's fast-paced world, accessibility and ease-of-use are essential. That's why we're proud to provide these digital banking tools to empower you in managing your finances efficiently. With Apco Employees, you're not just banking; you're experiencing financial freedom at your fingertips!

Financial Strength

Commitment to Member 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 supported by $5,662 in used auto loans and $900,683,806 in total loans and leases, helping our members achieve their financial goals across various sectors.

Growing Member Base

We're proud of our growing community with a total of 171,866 share accounts. This showcases the trust our members place in us to manage their finances responsibly. 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 915 Queen City Ave Tuscaloosa Al 35401 or call (205) 722-7300 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 ready to assist you with knowledgeable support whenever you need it.

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. 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.

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. 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

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 financing a brand-new model or a reliable used vehicle, our team is ready to assist you every step of the way.

Credit Lines

For those who require additional flexibility in managing their finances, we have credit lines available totaling $957,244,750. This option is perfect for covering unexpected expenses or making larger purchases without the hassle of applying for multiple loans.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $37,435,240. With flexible terms and competitive rates, we can help turn your dream of owning a home into a reality.

Refinancing Options

If you're considering refinancing your current loans or mortgages for better rates or terms, our team at Apco Employees is here to guide you through the process. We aim to ensure that you get the most favorable conditions possible based on your current financial standing. Our commitment to our members extends beyond just providing loans; it's about building lasting relationships and supporting your financial well-being. Feel free to reach out to us at (205) 722-7300 or visit us at 915 Queen City Ave Tuscaloosa Al 35401 for more information on how we can assist you with our loan offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

Managing finances can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $32,454,970 in loans helping members navigate their financial journeys effectively. These cards can provide you with the purchasing power you need while allowing you to manage expenses responsibly.

Loan Aggregator

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Apco Employees