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

Archive for category: Blog

Your excitement for the new APCO Rewards program is thrilling to us. Your Credit Union loves you and is happy to reward you for using your VISA Debit card.

You or some of your fellow credit union members may have recently contacted us with questions about APCO Rewards, including:

  • Do I have to activate anything?
  • How do I sign up?
  • What if I have a share account only?
  • When does APCO Rewards start?
  • Will it work with my credit card?

Watch the following video from Caitlin Brothers, marketing director at APCO Employees Credit Union, as she answers those questions.

For answers to more frequently asked questions, please click here or visit


Thank you to everyone who supported this year’s APCO Credit Union For Kids Charity Golf Tournament benefitting Children’s of Alabama!

Your generous support and donations resulted in a donation of $25,000 to Children’s of Alabama, a record high donation for the golf tournament, now in its 9th year.

The tournament was held Monday, October 14, 2013, at the Grayson Valley Country Club in Birmingham.

APCO Employees Credit Union has worked with Children’s of Alabama through Credit Unions For Kids for more than 16 years.

See more pictures from the charity golf tournament on our Facebook page.


Let us reward you!

Prizes offered to you and other members of APCO Employees Credit Union were on display Wednesday in The Light Room at Alabama Power Corporate Headquarters in downtown Birmingham.

Alabama Power employees and members browsed a sample of prizes offered to members who earn points through APCO Rewards. Points are earned by simply using an APCO VISA Debit card. The more you use your card for purchases, the more points you earn.


Every 3 months, each member enrolled in APCO Rewards will receive a postcard with points accumulated that quarter and instructions on how to redeem them. Members may choose to redeem points immediately or bank them for up to two years.

For more information, please visit

Below is a recent interview we did with Cathy Bozeman after she and her husband refinanced their mortgage with APCO Employees Credit Union. Thanks for the kind words, Mrs. Bozeman!

It’s Beginning To Look A Lot Like…

…Well, you know the time of year that’s approaching. Tis’ the season and that means Christmas parties, holiday travel, family get-togethers and Christmas shopping — lots of Christmas shopping.


Everywhere You Go…

…you see reminders that you may need extra cash. If spreading holiday cheer is looking as if you’ll be spreading your budget a bit thin, don’t panic.


Soon The Sales Will Start…

… and that means you need extra money. Don’t wait until the holidays are upon you. Plan now and talk to your Credit Union about a loan to make your holidays a happy one.

Stop by or call any of our offices for a low-cost APCO holiday loan. You’ll get a low interest rate, the convenience of payroll deduction (where available,) and friendly loan officers that like to say yes. You can even make a one-pay loan now and set it up to pay back when you receive your Pay For Performance Bonus or your income tax refund.



From the Credit Union that has been powering your financial life since 1953, APCO Employees Credit Union is thrilled to announce our newest member service: InstaQuote.

Now you can shop, quote and buy the life insurance you need online, directly from our website! Here is our commitment to your experience:

  • Guaranteed to be the best carriers and always the best prices
  • Save up to 70% on your existing premiums
  • You control the experience
  • Always totally secure
  • Works on your computer, tablet, and mobile device
  • Simplified Issue – Return of Premium
  • Research, Shop and Buy anytime, day or night
  • ALWAYS no obligation quotes

We are dedicated to providing you convenient, professional, and high quality financial services with a competitive price advantage. Life Insurance is one of those products.

Get a free life insurance quote the next time you pay your bills, check your balance, or visit our website from your computer, tablet, or mobile device.

We hope that when you decide to shop for Life Insurance today or in the future, you will always count on APCO Employees Credit Union to power up your savings! Thank you for your membership. Come visit us today!

Begin Your FREE Life Insurance Quote

We’ve had so much fun talking to you about your experiences with our online mortgages. You and your fellow members are a pleasure to serve!

Below is a recent interview we did with Lori Hayes after she and her husband refinance their mortgage with APCO Employees Credit Union. Thanks for the kind words, Mrs. Hayes!


We’ve been asking you and your friends what you think of online mortgages from APCO Employees Credit Union. Below is what John Hayes had to say after his experience.

Thanks for the kind words, John!


Ask five different people what early retirement means to them, and you’ll get five different answers. Regardless of what it means to you, here are three steps to plan for an early retirement.


Define Early Retirement In Terms Of Age

To some, early retirement means age 45; to others, age 60.The first step in planning for early retirement is picking a target age or date.

Consider the following:

  • Life expectancy
  • When you can and should begin taking social security.
  • How you will cover the cost of health insurance until you reach age 65?
  • What you will do with your time? Will your hobbies cost you money, or make you money.


Define Early Retirement In Terms Of Income Needs

Some define early retirement as the day they no longer have to work in their current profession or career. For others, retirement means they have reached a point where they will never work for money again. If your definition is the latter, you will need to save more than those who plan on earning money in some other way.


Make an Investment Plan That Can Deliver The Income You Need

Once you have calculated the amount of income you will need, spend time researching the various ways you can structure savings and investments so they produce consistent and reliable retirement income.

Take the time to do careful research, and don’t hesitate to seek qualified professional help.

For more information on this and other financial topics, or for a no cost financial consultation contact Brad Kamman at 205-397-2450 or toll free at 1-800-641-3870.

Securities offered through Securities America, Inc. Member NASD/SIPC. Advisory services offered through Securities America Advisors, Inc., an SEC registered investment advisory firm. Not NCUA insured. No Credit Union guarantees. May lose value.

CU CHARITY GOLF front of t

Your Credit Union is pleased to sponsor the ninth annual APCO Credit Union For Kids Charity Golf Tournament benefitting Children’s of Alabama.

The tournament will be held on Monday, October 14, 2013, at the Grayson Valley Country Club in Birmingham.

APCO Employees Credit Union has worked with Children’s of Alabama through Credit Unions For Kids for more than 16 years.

Unable to play? Not a problem. You can support Children’s of Alabama with a check or cash donation made payable to “Credit Unions for Kids.” Your contribution to this event is tax deductible to the full extent of the law.

Here are the details:

Place: Grayson Valley Country Club
Date: October 14, 2013
Time: 11:00 a.m. Registration
Lunch: Served at 11:30 a.m.
Tee Time: 12:30 p.m. Shotgun Start

Entry Fee: $100 per person (Mulligans may be purchased at registration)
Checks Payable to: Credit Unions For Kids

Hole Sponsorships:

  • Platinum Sponsor: $2500
  • Gold Sponsor: $1000
  • Silver Sponsor: $500
  • Bronze Sponsor: $250

Hole sponsorship recognition provided for you or your firm.

Format: Team Scramble


  • 1st, 2nd and 3rd place teams (net)
  • 1st place team (gross)
  • 4 closest to the pin contests
  • Drawing prizes for everyone

Refreshments available on course during play
Range balls provided
Awards presentation at conclusion of play

Deadline for Entries: Friday, October 4, 2013

Entry forms are available at all APCO Employees Credit Union branch offices. If you have any questions, please contact Danna Horne at (205) 226-6916.