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.

APCO Employees Credit Union was chartered on July 1, 1953 when three established credit unions, Western Division Credit Union, the Birmingham Electric Company Credit Union and the General Office Credit Union, all serving employees of Alabama Power, merged with the purpose of establishing a larger capital base that would allow greater Credit Union service to members. At the time of the merger, Credit Union assets were $85,000. Since then, APCO Employees Credit Union has grown to be the largest state-chartered credit union in Alabama with over $3 billion in assets.

We proudly serve over 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.

Learn more about APCO Employees Credit Union in our 2023 Annual Report.









Ready to get started? Use these links to learn more:

Click here to learn about becoming a Member.

Click here to join APCO online as a new Member.

Click here to see current savings rates.

Click here to find a location near you.


"Making the Financial Difference


“Provide Value and Help Our
MEMBERS Do Better Financially.”