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

Archive for category: Blog

(l-r) V. Merrill Mann, Danna Horne, Cayleigh Cummings, and Derrick Ragland (photo source APCO Employees CU)

(l-r) V. Merrill Mann, Danna Horne, Cayleigh Cummings, and Derrick Ragland (photo source APCO Employees CU)

Thanks to your generous support, the 2015 APCO Credit Union for Kids Charity Golf Tournament raised more than $26,000 for Children’s of Alabama!

A check for $26,115 was presented today to Children’s of Alabama by V. Merrill Mann, President and CEO of APCO Employees Credit Union, Danna Horne, and Derrick Ragland, COO. The donation was one of the largest in the 11 years APCO Employees Credit Union has been hosting the charity golf tournament.

The 2015 tournament was held October 12th 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 18 years.


A grand opening was held Friday to celebrate your new Pelham branch location!

More than two dozen people took part in the ribbon cutting Friday afternoon, including Pelham Mayor Gary Waters and representatives from the Greater Shelby County Chamber of Commerce. Several members of the APCO Employees Credit Union Board of Directors were also on hand, along with President Merrill Mann, COO Derrick Ragland, and CFO Blane Mink.

Prior to the ribbon cutting, Ragland praised the city of Pelham for helping make the transition as easy as possible.

The new branch is located at 101 Huntley Parkway, just a short distance from the previous branch location. The phone number (205-664-7421) remains the same.

Derrick Ragland (l) and Rep. Gary Palmer (photo source APCO Employees Credit Union)

Derrick Ragland (l) and Rep. Gary Palmer (photo source APCO Employees Credit Union)

The Birmingham-Jefferson Chapter of the League of Southeastern Credit Unions hosted the 2015 LSCU Legislative Night on Thursday, Nov. 12, 2015, at Vulcan Park and Museum in Birmingham.

Pictured above is Derrick Ragland, COO and soon-to-be President of APCO Employees Credit Union with Congressman Gary Palmer.

For more information about the League of Southeastern Credit Unions, visit

101 Huntley Parkway

101 Huntley Parkway

Come celebrate the grand opening of your new Pelham branch with us!

A Grand Opening celebration will be held Friday, Nov. 13, 2015, from 11 a.m. to 2 p.m. Stop by for refreshments and register for your chance to win a free TV!

We didn’t move far: the Pelham branch has moved to 101 Huntley Parkway, which is where Cadence Bank used to be located on the corner of Highway 52 and Huntley Parkway. That’s about 100 yards away from its previous location in the Publix shopping center.

Operations in the new branch office began Monday, Oct. 19, 2015. Our phone number (205-664-7421) remains the same.

Thanks for being a member!


On Janurary 1, 2016, Derrick Ragland will become only the fourth President/CEO in the 63 year history of APCO Employees Credit Union. Mr. Ragland, the current Vice President/COO of the Credit Union, will be taking over the reins from Merrill Mann who will be retiring at the end of 2015.

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

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.

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

Your APCO debit card is limited to $5000 per day on purchases and $1000 per day on cash advances. Your APCO VISA credit card is limited to $10,000 per day on purchases and $5000 per day on 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 hundreds of ATMs 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 or Android App, or click here to visit the CO-OP website.

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 2016 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 Wednesday, November 11 in observance of Veteran’s Day.

All offices will also be closed November 26 and 27 for Thanksgiving and December 24 and 25 for Christmas.

All APCO offices will also be closed Friday, January 1 for New Year’s Day.

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


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.


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 a great rate with the lowest fees. The APCO Platinum VISA Credit Card 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.