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Your Credit Union will begin reissuing debit and credit cards with the new EMV chip to our members starting later this year and into 2016. The new “chip” cards will be more secure and help us better safeguard your personal information.

In October, all Christmas Club funds will automatically be deposited into your Share Account.  If you prefer that a check be sent, please call our Call Center at 205-226-6800 and let them know.

Your Credit Union has 46 branded ATMs located around the state. Many are in Appliance Sales and Payment Centers of the Alabama Power Company. Stop by and let one of our ATMs be of service to you.

Everybody makes mistakes. Let us cover yours! Opt-In and let us pay overdrafts on your ATM and everyday debit card transactions.

Due to insurance regulations and security concerns, the Credit Union does not keep large sums of money at any of our locations.  If you need to make a large cash withdrawal, we ask that you give us notice so we can properly accommodate your request.

When including a joint owner on your account, please be aware that most Credit Union accounts are set up with the joint right of survivorship.  That means, in addition to being able to withdraw or transfer funds from the account, a joint owner also owns the assets of that account upon the death of the primary owner.

Your APCO debit card is limited to $5000 per day on purchases and $1000 per day on cash advances. Your  APCO VISA credit cards are limited to $10,000 per day on purchases and $5000 per day on cash advances.

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.


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