What’s Happening

  • ‘Tis the Season!  Stop by or call for a low cost APCO Holiday Loan today.

  • 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.

  • New Car? Get a 1.9% APR interest rate on a new car loan for up to 60 months.

  • Transfer your auto, SUV or truck loan to APCO from another lender and get a rate as low as 2.9% APR for up to 60 months.

  • 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.

  • APCO members can take advantage of CU Service Centers and Outlets that are conveniently located near them. You can use your APCO account number and proper identification to cash checks, check balances and make deposits, payments, withdrawals and transfers on your APCO account. For the location nearest you, go to the online directory HERE or click on the CU Service Center link on our home page under Quick Links.

  • Give our online bill payer service a try. It’s easy, it’s accurate, and it’s free!

  • Keep it simple.  The APCO Visa credit card has a low rate of 10.9% APR, gives you 1% cash back on your purchases, and it’s a good choice.  Apply today!

  • 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!

  • Follow APCO on Facebook and Twitter!  You can receive Credit Union news, rates, updates, and events.  “Liking” us on Facebook will also make you eligible to enter contests to win gift cards. Visit www.facebook.com/APCOCreditUnion and www.twitter.com/apcocu.

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

  • 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.

  • Excessive plastic card fraud coming from foreign countries has made it necessary for the Credit Union to block all debit card transactions originating from those countries. Your APCO debit card will not work in the countries listed below so be aware of this when you travel. Here are the countries  blocked: *APCO Visa Debit card –  China, India, Japan, Lebanon, & Russia


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