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

Archive for category: Blog


Take advantage of a limited time offer from APCO Employees Credit Union.

Enclosed is a coupon for $350 that can be used towards your closing costs on a mortgage loan. The coupon can be used for either a purchase or a refinance.

You must have this application in before 12-31-2014.


Save Money

Your Credit Union already has the lowest closing costs in the industry. Now this coupon makes it easier for you to save money.

Take advantage of this opportunity today!

*Terms and Conditions: This coupon can only be used in conjunction with an APCO Employees CU Mortgage Loan when borrower uses APCO Employees CU’s preferred vendors for title insurance and closings. Normal credit qualifications apply.


New employees of Alabama Power learned more about APCO Employees Credit Union during a forum today at the Sheraton Hotel in downtown Birmingham.


More than 400 employees of Alabama Power gathered Thursday at the Sheraton.  The employees have been hired at Alabama Power within the past 12 months.

APCO Employees Credit Union talked with the employees about the benefits of becoming a member and helped many of them sign up.

To learn more about becoming a member of APCO Employees Credit Union, please visit




• We would like to thank our sponsors and each person who played in our tenth annual APCO Credit Union for Kids Charity Golf Tournament in October. The tournament raised over $25,000 for Children’s of Alabama.

• Giving cash for Christmas? Free gift envelopes will be available to APCO members at all Credit Union offices starting in December. Due to numerous requests and to be fair to all members, there will be a 10 gift envelope limit per member.

• APCO VISA Gift Cards are always the right size and color, can be used at stores and restaurants, and can be purchased at any lobby teller window.

• Please inform the Credit Union in writing when your address changes.

• Let your family in on a good thing – Credit Union membership. Have your relatives stop by or call and join today. We’ll treat them like family.

• In the year since we announced our Instaquote offering, we’ve quoted more than 1,000 policies. Click here and see how much we can save you on life insurance.

• Take a look at our online mortgage center to research various mortgage products, search for rate quotes, and apply for a loan 24 hours a day, 7 days a week.

• Please remember that APCO debit cards are limited to $3000 per day on purchases and $1000 per day on cash advances at ATMs. APCO VISA credit cards are limited to $5000 per day on both purchases and cash advances.


Whether you’re traveling this holiday season or preparing to welcome family to your home, access to your APCO account is closer than you think.

As an APCO member, you have access to your account at more than 5,000 CO-OP shared branches and nearly 30,000 surcharge-free CO-OP ATMs nationwide. There are 501 locations here in Alabama; many of them in Publix, Costco and Kangaroo Express stores. That’s more access than most traditional bank customers have.

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

You don’t have to go out of your way to save time and money; just remember you’re an APCO member and look for the CO-OP logo.


Why join our Christmas Club? That’s easy – because it makes life so easy when holiday shopping time comes around again.

Yes, next year at this time, APCO Christmas Club members will have all the money they save plus dividends to do their shopping with. They’ll also have the peace of mind of knowing that their purchases are planned and paid for ahead. The APCO Christmas Club is part of the American tradition.

And it’s so easy to join – and so rewarding. Just stop by or call one of our offices and let us know you would like to open a Christmas Club account. You can stop by for a club agreement or we’ll be glad to send you one. Once you sign and return the agreement, you can start putting a few dollars away – you decide how many – each month through a convenient payroll deduction or series of deposits.

Stop by or call and join the 2015 APCO Christmas Club. Santa has a way of arriving suddenly you know. Join his favorite club today.

All APCO Credit Union offices will be closed Tuesday, November 11 in observance of Veteran’s Day. All offices will also be closed November 27 and 28 for Thanksgiving, and December 24 and 25 for Christmas. All APCO offices will also be closed Thursday, January 1 for New Year’s Day.

Have a safe and enjoyable Holiday Season. We wish you and yours a bright and prosperous New Year.

Happy Holidays from all of us at APCO!


If after making your list and checking it twice, you’re not sure how you can make the holidays happen, a holiday loan from APCO could make all the difference. With a holiday loan, you can determine your budget and stick to it by using cash for all of your purchases.

After all, ‘tis the season for a great rate from your Credit Union. You’ll also find the convenience of payroll deduction and friendly loan officers that like to say yes. You can even make a single payment loan now and set it up to pay off when you receive your Pay for Performance Bonus or your income tax refund.

Make sure you’re not still paying for this holiday season 12 months from now. Plan ahead and talk to your Credit Union about a loan to make your holidays merry. Stop by or call any of our offices for an APCO holiday loan.


Low Rate | Cash Back | Good Choice


Ever notice those too good to be true offers are followed by long, drawn-out fine print?

At APCO, we believe in keeping it short and sweet.

We offer the best rate we can with the lowest fees we can. The APCO Platinum VISA has a low rate of 10.9% APR. That’s a solid rate for all your purchases and cash advances. We don’t play games that make things more complicated for you and for us. We don’t offer a low rate for a short time and then increase it to whatever the market will bear. We don’t charge balance transfer fees that equate to interest before you’ve even used the card.

Our rewards program is sweet, too. We give you 1% cash back on all purchases you make with your APCO VISA credit card; no minimum or maximum, no complicated air miles with blackout dates, and no expiration dates for redemption. 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 card than an APCO VISA credit card from your Credit Union and no better time to get one than now. Apply today!

Cash Back Rewards will be posted to share accounts at the end of November.


More than 30 employees of Alabama Power attended a Social Security “Lunch and Learn” today.

The seminar, hosted by APCO Employees Credit Union, was held in the Electra Room at Alabama Power Company headquarters in downtown Birmingham.

Mike Lewallen, Financial Advisor for APCO Investment Services, presented information to the attendees about Social Security.

For more information about Mike and the services offered through APCO Investment Services, visit

Your ability to access your APCO Online Banking account with your mobile device will be restored tonight.

A change was implemented earlier today by the company that manages our online banking services. This change inadvertently blocked mobile users from accessing online banking.

We immediately reached out to our online banking provider to inform the company of the issue. A fix will be implemented after business hours later tonight.

Access to online banking via a computer and the mobile banking app is functioning properly.

We apologize for any inconvenience this may have caused.

APCO Employees Credit Union