Apco Employees Credit Union Savannah GA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Apco Employees, your trusted financial partner located at 3101 Kilowatt Dr, Savannah, GA 31405. Since our establishment in 1953, we have proudly served over 85,419 members in the community, providing a wide range of financial solutions tailored to meet your needs. With total assets exceeding $3.5 billion, we are committed to ensuring your financial success and well-being. At Apco Employees, we believe in the power of community and the importance of personal relationships. Our dedicated team, led by CEO Derrick Ragland and Board President Gregg Shipp, works tirelessly to create a welcoming environment where you can feel secure about your finances. We understand that every member's journey is unique, which is why we offer personalized services including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. While members can visit us at our Savannah branch for any inquiries or assistance, official correspondence should be sent to our mailing address at 3101 Kilowatt Dr, Savannah, GA 31405. With total deposits amounting to $347,253,658 and total loans reaching 34,276, we are here to support your financial goals every step of the way. Our team is available from 9 AM to 4 PM, ready to assist you with any questions you may have. Explore more about our services and how we can help you thrive financially by visiting our website at Apco Employees or give us a call at 912-306-1810 today! Your financial future starts here.

Branch History & Mission

Commitment to Community

At Apco Employees, we believe in giving back. Our team actively engages in community outreach programs and partnerships that uplift those in need. We support local schools, charities, and events that promote education and well-being in Savannah. This commitment not only strengthens our community but also enriches the relationships we build with our members. We also embrace technology and innovation while ensuring accessibility for everyone. Our digital services include online banking and mobile payments to make your banking experience as convenient as possible. We strive to maintain ADA compliance so that all members can access our services without barriers.

Join Us!

As we look forward to the future, we invite you to become part of the Apco Employees family. With operating hours from 9 AM to 4 PM on weekdays and no ATM or drive-thru service available currently, we're here ready to assist you in person or through online platforms. Call us today at 912-306-1810 or visit us at our branch to learn more about how we can support your financial journey. Join us at Apco Employees Credit Union where your success is our mission!

Our Journey

The Apco Employees branch was founded with the goal of providing accessible financial services to employees and their families. Over the years, we have evolved alongside our community, adapting to meet the changing needs of our members. Our branch is located at 3101 Kilowatt Dr, Savannah, GA 31405, conveniently situated near local landmarks that make it easy for you to find us. While members can visit us at this address for all their banking needs, official correspondence should be sent to the same mailing address: 3101 Kilowatt Dr, Savannah, GA 31405. Our mission is simple yet powerful: to empower our members by offering personalized financial solutions and fostering a sense of community. We understand that every member's financial journey is unique, and we are committed to providing tailored services that help you achieve your goals whether it's buying your first home, financing a vehicle, or managing everyday expenses.

Branch Location & Accessibility

Accessible Features

We take pride in making banking accessible for everyone. Our branch complies with ADA standards and offers features such as ramps for easy entry. Plus, ample parking is available right outside our doors, ensuring a hassle-free visit.

Call Us Today!

If you have any questions or need assistance, feel free to give us a call at 912-306-1810. We look forward to welcoming you into our branch! Stop by today and discover how Apco Employees can serve you better.

Operating Hours

Our lobby hours are designed to fit your busy schedule. We're open from 9 AM to 4 PM Monday through Friday, giving you plenty of time to drop by before or after work. Though we don't currently offer drive-thru services or ATMs at this location, our friendly staff is always on hand to help with any transactions or inquiries.

Member Eligibility

Becoming a member of Apco Employees is like stepping into a welcoming community where your financial needs are prioritized. If you live, work, or worship in the area, you're likely eligible to join us! We embrace individuals from various backgrounds and professions, making it easy for anyone to become part of our family. As a member of Apco Employees, you'll enjoy personalized service and a range of financial products designed to support your goals, from checking and savings accounts to auto loans and credit cards with rewards. For detailed eligibility criteria, feel free to check out our resource at . Opening an account with us is straightforward! Just give us a call at (912) 306-1810, and our friendly team will guide you through the process. We're located at 3101 Kilowatt Dr Savannah Ga 31405, ready to help you start your journey towards better banking. Join us today and experience the difference that comes with being part of the Apco Employees community!

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 addition to loans, we provide merchant services that help streamline your daily operations. Whether you need payment processing solutions or tools to manage transactions efficiently, our services are designed with your business in mind. This way, you can focus on what matters most serving your customers and growing your brand. Visit us at 3101 Kilowatt Dr Savannah Ga 31405 in Savannah, GA or call us at (912) 306-1810 to learn how our business banking solutions can benefit you today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Need a new ride? With our Auto Loans & Vehicle Financing options, you can drive off in the car you've always wanted. We offer flexible terms and competitive rates to ensure that financing your vehicle fits comfortably within your budget. Picture yourself cruising down the road, knowing you've made a smart financial choice.

Business Banking

For our entrepreneurial members, we offer Business Banking services including Merchant Services and Business Loans. Whether you're starting a new venture or expanding an existing one, our dedicated business team understands the unique challenges you face and is here to provide tailored solutions.

Credit Cards with Rewards

With our Credit Cards featuring rewards programs, every purchase brings you closer to exciting benefits! From cash back on everyday purchases to travel rewards for your next adventure, we have options that make spending rewarding. It's like getting paid for shopping!

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll ever make, and we're here to help every step of the way. Our Mortgage Loans & Refinancing options are designed to provide you with affordable solutions that fit your lifestyle. Whether you're a first-time buyer or looking to refinance an existing mortgage, we can assist you in finding the best plan that suits your needs.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why Apco Employees provides robust Online & Mobile Banking features that allow you to manage your finances anytime, anywhere. Transfer funds, pay bills, and monitor your accounts with just a few taps on your smartphone no need to visit a branch! At Apco Employees, we're committed to making banking accessible and straightforward for everyone in Savannah, GA. Explore all these services and more at our branch or visit us online at Savannah Branch. We're here to help you achieve your financial goals come see us today!

Personal Banking

Whether you're opening your first checking account or looking to grow your savings, our personal banking services are tailored just for you. Our Checking & Savings Accounts come with no hidden fees and competitive interest rates, helping you manage your day-to-day finances effortlessly. Imagine having the ability to set aside money for that dream vacation or emergency fund with ease!

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses our way. That's why we offer Personal Loans & Debt Consolidation services to help you manage those costs without stress. Imagine having one manageable payment instead of juggling multiple debts! Our team will work with you to find a solution that helps simplify your finances.

Digital & Online Banking

At Apco Employees, we understand that managing your finances should be as easy and secure as possible. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle. With just a few clicks or taps, you can access your accounts anytime, anywhere. One of the standout features is our user-friendly online banking platform, available at https://www.southernenergycu.org/. This service provides 24/7 access to your accounts, allowing you to check balances, pay bills, and transfer funds whenever you need. Plus, with our mobile application, managing your money on the go has never been simpler. Whether you're commuting to work or relaxing at home, you'll have all the tools you need right at your fingertips. For those who prefer paperless solutions, we offer e-statements for easy account tracking and record-keeping. You can review your financial statements without the clutter of physical paperwork just another way we help make your life easier. Additionally, our mobile payments feature lets you make purchases directly from your smartphone, providing a quick and convenient way to handle transactions. Need to send money to a friend? Our person-to-person transfer option allows you to do just that with ease no cash needed! Security is a top priority at Apco Employees. While we currently do not support electronic signature authorization for certain transactions, rest assured that all of our digital services are designed with robust security measures in place to protect your information. In short, our digital and online banking services are tailored to enhance your banking experience by providing accessibility and real-time account management. At Apco Employees, we're here to help you take control of your finances with confidence!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts stand at 171,866, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $0, further showcasing our commitment to responsible growth. In conclusion, 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 3101 Kilowatt Dr Savannah Ga 31405 or call (912) 306-1810 to learn more about how we can help you achieve your financial goals.

Member Savings Security

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 strong performance is reflected in our $7,974,388, which showcases our operational efficiency. This allows 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 ready to serve you with a knowledgeable, committed team.

Reinvestment for 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 robust; we offer $5,662 in used auto loans and $900,683,806 in total loans and leases to support your financial goals across various sectors.

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 vehicle or a reliable pre-owned option, we have solutions that fit your budget.

Credit Lines

For those who need extra flexibility, our total credit lines amount to $957,244,750, providing you with access to funds when you need them most. This option is perfect for managing unexpected expenses or planning for future purchases. If you're considering refinancing any existing loans, we're here to help assess your options and see how we can make it work for you. For inquiries or more information about our loan products, please feel free to contact us at (912) 306-1810 or visit us at our branch located at 3101 Kilowatt Dr Savannah Ga 31405 in Savannah, GA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to assisting you with your financial needs!

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 the process and help ensure you find a loan that works for you.

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 card solutions come with rewards programs that can benefit your everyday spending.

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. With a focus on transparency and reliability, LendMesh helps users make informed decisions without the stress of sifting through countless offers. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to quality means you receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov). By utilizing verified data, LendMesh guarantees that all loan offers come from legitimate financial institutions, giving users peace of mind as they explore their options. One of the standout features of LendMesh is its dedication to unbiased results. There are no sponsored listings here; lenders are not prioritized based on paid promotions. This allows users to view loan offers in an impartial manner, ensuring that you find what truly works for your financial needs. Additionally, LendMesh provides real-time rate comparisons across multiple institutions, allowing users to see up-to-date loan rates and make decisions based on the most current information available. 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!" This testimonial highlights how LendMesh can make a significant difference in securing better financing 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