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 1.51% APY Minimum $5

Savings account interest computed on the average daily balance and compounded quarterly. Rate paid as of 12/31/23. 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.

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1.99% APR Visa® Balance Transfer Special!

January 2, 2024 through March 31, 2024, you have the opportunity to transfer your high-interest credit card debt from another financial institution or credit card provider to an APCO Visa® Rewards Credit Card. Eligible applicants will receive a special, low 1.99% APR* on all balance transfers for six months, which could save you hundreds of dollars or more in interest!

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Welcome Powerco Members! See the Latest Merger Updates.

Last March, the vote to merge Powerco Federal Credit Union into APCO Employees Credit Union was overwhelmingly positive, and effective April 1, 2023, Powerco joined APCO. 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 upcoming 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!