Featured Rates

NEW AUTO as low as 5.75% APR 63 MONTHS

All rates are subject to change without notice. Your actual rate, payment, and costs could be higher. APR (Annual Percentage Rate). A lower credit score may cause a higher loan rate. Your APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value.

CD competitive rates 5.00% APY 91 DAYS

All rates are subject to change without notice. APY (Annual Percentage Yield).

HIGH-YIELD Share Account Rate 1.00% APY Minimum $5

Savings account interest computed on the average daily balance and compounded quarterly. Rate paid as of 3/31/24. APY: Annual Percentage Yield

About Us

Our goal is and always has been to help our members do better financially. As a not-for-profit, full-service financial institution, APCO Employees Credit Union offers the modern financial products and services you would find at a typical bank and combines them with the personal attention and advantages of a Credit Union. We combine industry leading savings rates with competitive loan rates, and we have lower fees than those you would find at a common bank.

We have been around since 1953 and have grown to become the second largest credit union in Alabama, and the largest state-chartered credit union in the state. We proudly serve 87,000 members through 28 Credit Union branches across Alabama, Georgia and Mississippi, our Digital Banking platform, and through more than 5,000 Credit Union Service Centers located throughout the nation. We invite you to learn more about all of the benefits of becoming an APCO Employees Credit Union member.

Welcome Powerco Members!

We are excited to officially welcome you as a fully integrated Member of APCO and have you join our Credit Union family. Read more about merger transitions at our Merger Information Center.

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Join APCO Today and Experience the Financial Difference!

Enjoy industry-leading savings rates, competitive loan rates and lower fees than you would find at a common bank when you join APCO. Opening your account online has never been easier. Click to get started today!