Safety and Soundness

There are many safeguards over the operation of the Credit Union with the most important ones listed below:

  • Our savings are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government.
  • The Credit Union maintains substantial capital as required by regulation and sound business practices.
  • The Credit Union receives proper governmental and membership supervision through regulatory exams and a CPA audit.
  • All officials and employees of the Credit Union are bonded.

10 Things Your Credit Union Will Never Ask
In today’s digital world, we have to work together more than ever to prevent identity fraud. It seems there is always a new scam out there where criminals are seeking to steal your identity or get their hands on your banking information. These crooks are ambitious, and they will come up with creative ways to go about getting your personal information. At APCO Employees Credit Union, we are continuously working to make sure you are protected and informed. Be aware that your Credit Union will never ask for certain information through phone or email. See the list below of 10 things your Credit Union will NEVER do.

We won’t call and ask for:

  • Your account number
  • Your full debit or credit card number
  • Your CVV number
  • Your PIN number
  • Your full Social Security number

We will never:

  • Close your account for refusal to give the above information.
  • Ask you to complete a “test” transaction.
  • Address you as “user” or “”.
  • Ask you for your online banking password or security questions.
  • Ask you to text personal or banking information.

Trust your instincts. If you feel the information you have received is not from your Credit Union, please call our Call Center at 205-226-6800 and a representative will answer your questions. Assisting you to keep your financial and personal information confidential is our goal. Because you matter to the Credit Union, your safety and peace of mind are our priority.


You are leaving APCO Employees Credit Union's website, and entering an online community website. The privacy and security policies of the site you are about to enter may differ from those practiced by APCO Employees Credit Union. APCO does not represent either the third party or you if the two of you enter into a transaction.