We’re committed to meeting all your financial needs.

To do so, we are sometimes required to share information about you with others in order to complete your transactions or to provide certain financial opportunities. To protect your privacy, we have always limited the use of information we provide and only share information with companies that agree to maintain your privacy. These companies are also prohibited from sharing your information we give them with other third parties.

Your financial privacy and confidence have always been and will always remain very important to every employee of APCO Employees Credit Union. As required by law, this notice explains how we collect, use and safeguard your personal financial information. If after reading this notice you have questions, please contact us.

APCO Employees Credit Union collects non-public, personal information about you from the following sources:

  • Information we receive from you on applications or other forms;
  • Information about your transactions with us or others; and
  • Information we receive from a consumer reporting agency.

We may disclose all of the information that we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may also disclose information about you under other circumstances, as permitted or required by law.

If you decide to terminate your membership or become an inactive member, we will adhere to the privacy policies and practices as described in this notice.

APCO Employees Credit Union restricts access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

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.

Click here for a printable version of our disclosure policy.

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 “yourname@gmail.com”.
  • 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.