News, events, and useful financial information from APCO Employees Credit Union.

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Why go to the Credit Union when we can bring the Credit Union to you? All you need is Internet access, and you can start banking from your own place at your own pace.

Mobile Banking
APCO Mobile Banking is now available. Just go to our website, click on the link and sign up today. Convenience has a new address. Everywhere.

Online Banking
Online banking is fast, flexible, and free! You’ll be able to check your balances, check your account activity, and transfer funds 24 hours a day, 7 days a week. Call or stop by any of our offices for a MAP application or complete one online.

Online Bill Pay
If you like the convenience of banking online, you’ll like paying your bills online too. No more stamps, no more envelopes, no more late fees, and no more worrying about lost mail. And best of all, all of those convenient services are free. APCO touchtone phone access, mobile banking, and online banking are the better ways to bank. Because you’re busy living.


Whatever your reason for a low cost loan – new car, new boat, college tuition, that dream home, or a well deserved vacation — APCO has the loan that is right for you. Our loan service is fast, convenient, and confidential with a minimum of red tape. Plus, our rates are the best around.

Our loan officers can handle your loan request by phone, online, or in person. Most loans are approved “on the spot” and feature low rates, low cost payment protection insurance, and flexible terms.

So, whatever your reason for a loan, stop by or give any of our offices a call. Let us help make the living a little easier this summer with any of our great APCO loans.



New security features were added to your APCO online banking account recently.

The changes involve Multi-Factor Authentication, or MFA. Our security team implemented a new set of MFA security questions to better protect your online account.


Why The Change?

Your Credit Union’s number one priority is providing you with the best financial services partnered with the best security. The recent security upgrade is part of our continuing effort to keep your confidential information safe and secure.


What You Need To Do

The next time you login to your online banking account, you will be required to do two things:

1) Select three new security questions from the provided drop-down list. Simply select three new questions and provide answers, just as you did the first time you set up your online banking account.

2) Select a new image and passphrase.

Once you complete these two steps, future logins will proceed as normal.


Answers to Frequently Asked Questions

1) If you encounter any errors during this process, our technicians recommend you clear all session cookies from your device. Not doing this could cause older site cookies to be used, which could generate some misleading displays or errors.

For instructions on how to clear the cookies on your device, check out this website.

2) You may see previously selected questions and/or a previously used image. That’s okay. You are welcome to reuse previous questions, answers, images, and passphrases.



If you have any questions, feel free to contact us at 1-800-249-APCO or visit your nearest branch.


  • Your Credit Union is happy to provide InstaQuote as a service to our members. Now you can shop, quote and buy the life insurance you need directly on our website.
  • Effective May 1, 2015, you may notice a pop-up bubble any time you click a link that leads to one of your Credit Union’s vendor websites. This is an added security feature required by law.
  • My Virtual StrongBox is an added feature of Online Banking. My Virtual StrongBox lets you store, protect, and keep copies of your most important documents right at your fingertips. Log in or sign up for APCO Online Banking and start storing your documents today! And, Online Banking and My Virtual StrongBox are both free.
  • Why trust strangers with your retirement? To us, you’re family. Visit APCO Investment Services at
  • Let your family in on a good thing – Credit Union membership. Have your relatives stop by or call. We’ll treat them like family.
  • Opening or adding to your APCO IRA is a great way to take control of your financial future. Call or stop by and talk with one of our IRA experts today.
  • Your Credit Union is rated 5 stars (superior) by Bauer Financial, the highest possible rating by this well respected bank and credit union rating service. Your Credit Union is rated superior in strength, safety, and performance.


As an APCO member, you have access to your account at 45 APCO ATM locations, more than 5,000 CO-OP shared branches and nearly 30,000 surcharge free CO-OP ATMs nationwide. There are over 500 locations here in Alabama; many of them in Publix, Costco and select Alabama Power Payment Centers. That’s more access than most traditional bank customers have.

Find a credit union service center on the go or near your home when you need to make a deposit, a withdrawal, or payment.

Look for the CO-OP logo the next time you need Credit Union services when you’re not close to an APCO branch.

You can find a credit union service center or ATM on the go by calling 888-748-3266, downloading the CO-OP ATM Locator app (iPhone and Android) or CO-OP Shared Branch Locator app (iPhone or Android,) or click here to visit the CO-OP website.

For an APCO Employees Credit Union ATM location near you, visit


With banks and credit card companies raising their rates and fees on consumers, now is a good time to switch to the APCO VISA credit card. Your Credit Union has made it simple with its platinum card program. We invite you to share in the rewards.

The APCO Platinum VISA has a low rate of 10.9% APR. That’s a solid rate for all your purchases, travel, and cash advances. And we don’t play games. We don’t offer a low rate for a short time, and then increase it to whatever the market will bear. And, we don’t charge a lot of excessive fees either.

Our rewards program is simple, too. We give you 1% cash back on all purchases you make with your APCO VISA credit card – no matter how big or small. No complicated air miles with blackout dates. The APCO cash back feature is automatic so all you have to do is make our card your first choice every time you shop. Take it from us: there is simply no better place to get a VISA credit card than your Credit Union and no better time than now.

Cash Back Rewards Are Posted To Share Accounts At The End of November.


The health of the housing market has improved significantly since the recession. If you haven’t done so already, now’s a good time to get a check-up on your home mortgage. Property values haven’t returned to pre-recession levels, but there is still a silver lining. Interest rates remain at historic lows.

If you’re looking for a new home or you’re considering refinancing your mortgage, the time has never been better. Your Credit Union has rates as low as 3.70% APR for 30 year fixed rate loans and 2.95% APR for 15 year fixed rate loans.

Apply Online

We are pleased to offer our online mortgage website at Our online mortgage center gives you the power to research various mortgage products, search for rate quotes, and apply for a loan 24 hours a day, 7 days a week.

You have a busy schedule and we know that it can be challenging to get done everything you need to do during traditional business hours. With our mortgage website you don’t have to worry about the time of day or even the day of the week because we are always open – online. Your unique user name and password enables you to start and save your application.

The Path To Your New Loan Is Simple

A unique application is created for you based on your answers and personal situation. We explain the different loan types available and what you can expect during the loan process in real-life language. Our calculators let you try out “what if” scenarios so that you can feel confident you have selected the best loan product for you.

Visit us online today. Whether you are ready to apply or just want to research products and rates, we think you’ll like our mortgage lending address as much as we do.

apco-smiley-face-emoticonBeing a member of APCO Employees Credit Union is a good deal. It is a good deal by design. The Credit Union was created by the members, for the members, to help one another do better financially by pooling our resources and building an organization to manage them. As a result, each member has a place to borrow money at good rates, save money at attractive rates, and to use the Credit Union’s services.

Save With Us
Making your money grow as quickly and safely as possible is important no matter what your savings goal. The Credit Union consistently pays high rates of return and your funds are federally insured.

Your Credit Union share account offers you the best of everything. A competitive market rate of return combined with easy access to your money makes this account a sensible way to save. We also have a variety of certificates of deposit and IRAs that are designed to meet your needs.

Borrow From Us
We learned long ago that the best loans are the ones that make peoples’ lives better. Whatever your reason – a new car, a sleek new boat, that dream house, or an exciting vacation – reward yourself for all your hard work! After all you deserve the best. And it’s affordable with a low cost Credit Union loan.

Our loan service is fast, convenient, and confidential with a minimum of red tape. Our loan officers like to say yes, so stop by or call any of our offices today.

Convenient Services
As an APCO member, you can continue to expect a good value in financial services. That’s our primary aim, but you can also expect convenient access to those services.

The APCO VISA debit card allows members to access their APCO checking account anywhere VISA is accepted. Our online and mobile banking services enable members to monitor their APCO account 24/7 and make transfers online. Our Call-A-Teller (CAT) audio response system has provided telephone convenience for over 20 years. The APCO VISA credit card offers ultimate convenience, a low 10.9% APR, and 1% cash back on all your purchases. Best of all, there’s no annual fee on our credit card or the APCO debit card. Plus, CAT services and online banking services are also free.

5 Star Safety
Your Credit Union continues to be rated 5 stars (superior) by Bauer Financial, the highest possible rating by this well respected bank and credit union rating service. Your savings at APCO Employees Credit Union is also federally insured to at least $250,000 and backed by the full faith and credit of the United States government. Your Credit Union is strong and your funds are safe with us.

The Credit Union is member owned and operated and its only reason for existence is to help its members do better financially. Money making and money saving services that are easy to use – that’s what your Credit Union has to offer. Your Credit Union is where you belong. Our rates are great and we’re here to make you smile!

The year 2014 was another outstanding year for your Credit Union on a number of levels. The year started with a bang in February when the Credit Union National Association (CUNA) notified us that our Credit Union was being recognized as the best credit union in the nation with regards to member benefits. CUNA presented APCO Employees Credit Union with the “2013 Member Benefits Top Performance Award” at its national conference held in Washington, DC. While we have won some state awards in the past, this was the first national award our Credit Union had received in its 60 year history. While providing value to our members will always be our focus, it was nice to be nationally recognized for being the best at what we do.

As far as the financial results of the Credit Union in 2014, I am almost running out of superlatives to describe how well APCO has performed. While the Credit Union continued to grow and pay excellent dividends in 2014, the bottom line by any financial measure is Net Income – what you have left after subtracting your expenses. The Credit Union’s Net Income for 2014 was almost $20 million, a 24% increase over a solid financial performance in 2013.

APCO members also continued to respond positively to our loan products during the year. Whether it was a personal loan, an auto loan, or a home mortgage, Credit Union loans grew by more than $100 million in 2014. This was the second year in a row that our loans grew by more than $100 million, giving us a two year loan growth rate of over 45%. As you review the Credit Union’s financial statements for 2014, you are welcome to choose your own superlative for our financial performance. I’ll just say that 2014 was a fantastic year for your Credit Union.

In addition to the national award and record setting financial performance, you may have noticed that we have continued to modernize and bring our Credit Union forward as quickly as possible to better serve our members. In 2014, we began keeping all branch offices open at lunch, we expanded our ATM network to 45 machines around the state, and we introduced APCO Investment Services which allows members to purchase stocks, bonds, and mutual funds. Our APCO Investment Services group has already helped hundreds of APCO members with sound financial advice, investment services, and retirement planning.

I would like to thank our Members, our Volunteers, and our Staff for another successful year for our Credit Union in 2014. We have a bright future together.

Thank you for being an APCO member.

V. Merrill Mann, CCUE