Apco Employees Credit Union Athens GA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Apco Employees, where we believe in building strong financial futures for our members right here in Athens, GA. Located at 285 Newton Bridge Rd, our branch has been a cornerstone of the community since its establishment in 1953. With over 85,000 members and assets totaling $3,509,874,314, we are dedicated to providing personalized banking services that meet your needs. At Apco Employees, we understand the importance of trust and reliability when it comes to managing your finances. Whether you're looking for checking accounts, auto loans, or mortgage options, our team is here to help you navigate your financial journey with confidence. Our total deposits of $347,253,658 reflect our commitment to fostering a secure environment for your savings. We take pride in our leadership team, with Derrick Ragland serving as CEO and Gregg Shipp as Board President. Together, they guide our mission to empower members through quality financial services and community involvement. Our team of 169 employees is passionate about supporting you every step of the way. While members can visit us at 285 Newton Bridge Rd, official correspondence should be sent to the same address. If you have questions or want to learn more about how we can assist you, please don't hesitate to reach out at 706-559-0051. Join us at Apco Employees and experience banking that cares about you. We invite you to explore our range of services designed just for you visit us today or check out our website at www.apcocu.org!

Branch History & Mission

At Apco Employees, we pride ourselves on a rich legacy of community service and financial growth. Established in 1953, our Athens Branch has been a cornerstone of support for our members and the local community for nearly 70 years. Located at 285 Newton Bridge Rd, Athens, GA 30607, we are conveniently situated near the vibrant heart of Athens, making it easy for our members to access our services. Over the decades, Apco Employees has evolved significantly. Our total membership has grown to an impressive 85,419 individuals who trust us with their financial needs. With total assets reaching $3,509,874,314, we have strengthened our commitment to providing a wide range of services tailored to meet the diverse needs of our members. From personal banking options like checking and savings accounts to auto loans and mortgage financing, we are dedicated to supporting your financial journey. Our mission is straightforward yet profound: to enhance the financial well-being of our members while fostering community development. We understand that banking goes beyond transactions; it's about building relationships and empowering individuals. This mission drives every decision we make and every service we offer. We strive not only to provide excellent financial services but also to support local initiatives and outreach programs that uplift our community. While members can visit us at 285 Newton Bridge Rd Athens Ga 30607, official correspondence should be sent to 285 Newton Bridge Rd, Athens, GA 30607. We are proud to offer modern conveniences such as online banking and mobile payments. Even though we currently do not have ATM availability or drive-thru services at this branch, our dedicated team is ready to assist you during our operating hours from 9 AM to 4 PM, Monday through Friday. Apco Employees is more than just a credit union; it is a community partner that believes in collaboration and support. We actively engage with local organizations to create positive change and contribute to the growth of Athens and its surrounding areas. We invite you to join us at Apco Employees. Experience firsthand how our commitment to excellence in service can help you achieve your financial goals while becoming part of a community that cares. Visit us today or reach out at 706-559-0051 for more information on how we can serve you better!

Branch Location & Accessibility

Welcome to the Apco Employees Athens Branch, conveniently located at 285 Newton Bridge Rd, Athens, GA 30607. We're here to make your banking experience as easy and accessible as possible. Nestled in the vibrant city of Athens, our branch is close to local landmarks like the University of Georgia and just a short drive from downtown. Whether you're stopping by for personal banking or looking for auto loans and mortgage options, we're here for you. While members can visit us at 285 Newton Bridge Rd, official correspondence should be sent to the same address, ensuring everything stays streamlined. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ample parking to accommodate all visitors. At Apco Employees, we pride ourselves on providing friendly service during our lobby hours from 9 AM to 4 PM, Monday through Friday. Although we do not offer ATM services or drive-thru banking at this location, our team is always ready to assist you with a range of services including checking and savings accounts, vehicle financing, personal loans, credit cards with rewards, and business banking solutions. If you have any questions or need assistance, feel free to give us a call at 706-559-0051. We invite you to visit us soon and discover how we can help meet your financial needs!

Member Eligibility

At Apco Employees, we believe in building a community where everyone can thrive. Becoming a member is not just about opening an account; it's about joining a family that supports your financial journey. If you live, work, or worship in the local area, you're already on the right track to becoming part of our vibrant community! We welcome individuals from all walks of life, making it easy for you to access our range of services, from personal banking to loans tailored just for you. For detailed eligibility criteria, check out our resource at . Once you confirm your eligibility, opening an account is a breeze! Simply visit us at our convenient location: 285 Newton Bridge Rd Athens Ga 30607, or give us a call at (706) 559-0051 to get started. Our friendly team is here to guide you through every step of the process, ensuring you feel comfortable and confident as you take this exciting step toward financial empowerment. Join us today and experience the many benefits that come with being a member of Apco Employees!

Business Banking & Commercial Services

Supporting Your Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. Imagine having access to tailored merchant services that simplify transactions and enhance customer experiences. With our solutions, you can accept payments seamlessly and focus more on what matters: growing your business. Located at 285 Newton Bridge Rd Athens Ga 30607 in Athens, GA, we're here to help you navigate your financial journey. Let's work together to turn your business goals into reality! For more information, call us at (706) 559-0051.

Comprehensive List Of Services

Business Services Tailored for Success

For small business owners, we offer specialized Business Banking services including Merchant Services & Business Loans. We know how vital it is for businesses to have reliable financial support, and we're committed to providing the tools needed for success.

Credit Options for Everyone

At Apco Employees, we believe in rewarding our members with options like our Credit Cards with Rewards program. Enjoy perks while managing everyday purchases and building credit simultaneously.

Easy Access Anytime, Anywhere

With no ATMs or drive-thru service available at this branch, we ensure that all essential banking functions can be accessed online or via mobile devices. Our commitment to digital banking means you can conduct transactions at your convenience without being restricted by location or hours. Whether you have questions about opening an account or want to explore loan options, don't hesitate to reach out! Call us at (706) 559-0051, and let's discuss how we can help you achieve financial success. Explore everything we have to offer today at Athens Branch, where financial well-being is just a click away!

Home Financing Made Easy

When it comes to purchasing a home, our Mortgage Loans & Refinancing services make the process straightforward and stress-free. We take the time to walk you through each step, ensuring you find a mortgage solution that fits your needs. Our team works diligently to help you secure the best possible rates and terms.

Personal Banking Solutions

For individuals and families, we offer comprehensive Personal Banking options that include Checking & Savings Accounts tailored to help you manage your day-to-day finances effectively. Imagine easily accessing your funds through our convenient Online & Mobile Banking services. You can check balances, transfer money, and pay bills right from your phone or computer making banking simpler and more efficient. If you're considering buying a new car or refinancing your current vehicle, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms that suit various budgets. We understand that life can bring unexpected expenses, which is why our Personal Loans & Debt Consolidation services are designed to help you regain control over your finances.

Digital & Online Banking

Key Services

With our online banking platform, available at https://www.southernenergycu.org/ , you can access your accounts 24/7. This means you can check balances, transfer funds, and pay bills from the comfort of your home or on the go. Our user-friendly interface ensures that managing your finances is straightforward and hassle-free. For members who prefer to go paperless, we provide e-statements, so you can keep track of your financial activity without clutter. You can also enjoy mobile payments, allowing you to make purchases quickly and securely using just your smartphone.

Mobile Application and Features

Our mobile application enhances your banking experience even further. It offers features like person-to-person transfers, making it easy to send money to friends and family directly from your phone. Plus, with our electronic signature authorization not required, accessing services is even more convenient.

Security and Accessibility

Your safety is our priority. We utilize robust security measures to protect your personal information while ensuring you have easy access to your accounts whenever needed. Whether you're at home or out running errands, you'll always have real-time account management right at your fingertips. In a world where time is precious, Apco Employees makes banking easier for you. Join us today and experience the benefits of our digital and online banking services!

Financial Strength

Efficient Operations

Our operational efficiency is reflected in our $7,974,388, 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.

Growing Trust

We proudly manage a total of 171,866 share and deposit accounts, showing a strong and growing member base that trusts us with their finances. 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 285 Newton Bridge Rd Athens Ga 30607 or call (706) 559-0051 to learn more about how we can help you achieve your financial goals.

Investing in You

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 supports your financial goals with $5,662 in used auto loans and $900,683,806 in total loans and leases.

Member-Centric 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.

Solid 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.

Loan Offering

Additional Options

In addition to these popular offerings, we have options for personal loans and lines of credit as well as commercial loans for business owners seeking growth opportunities. If you're interested in refinancing existing loans, we can help explore eligibility options that might save you money. Our dedicated team at Apco Employees, located at 285 Newton Bridge Rd Athens Ga 30607, Athens, GA 30,607, is here to assist you with any questions about our loan products or the application process. You can reach us at (706) 559-0051 during our operating hours from 9 AM to 4 PM on weekdays. For more information about our services and how we can assist you further, please visit us 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. Choosing the right loan is an important decision. At Apco Employees, we're committed to providing transparent information and personalized service to help you find the best solution for your needs.

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 and competitive rates that can fit any budget, making it easier than ever to drive away in the vehicle you want.

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 various plans tailored to your needs, whether you're a first-time homebuyer or looking to refinance your current mortgage. Plus, our team is ready to guide you through every step of the process.

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. Our credit cards come with competitive interest rates and rewards programs that make everyday spending more rewarding.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the information is accurate and reflects real rates. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you see all your options fairly and equally. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions without delay. You'll always know what's available in the market. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimony highlights how LendMesh can make a real difference in your financial journey. 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.

How LendMesh Ensures 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 guarantees that the offers presented are both fair and transparent. Each lender's information is verified, ensuring users receive accurate comparisons that reflect current market conditions.

SOUTHERN ENERGY CREDIT UNION - Athens, GA

Type of Loan Offerings

Personal Loans