An APCO Share (Savings) Account offers you the best of everything.

An APCO Share (Savings) Account offers is your first step to becoming a Member of the APCO Employees Credit Union family and enjoying all the benefits membership offers.

A competitive rate of return combined with easy access to your money makes this account a smart way to save. In 2022, APCO Employees Credit Union paid over $38 million in dividends and interest on deposits to Members. That is $8 million more than in 2021 and more than any other credit union in the state. 2023 is set to be even stronger with your Credit Union increasing the 2023 first quarter Share Account dividend rate from 1.26% APY to 1.51% APY*. 


  • A $5 minimum deposit is required to open your Share Account and become an APCO Employees Credit Union Member.
  • Dividends are paid on the average daily balance method.
  • Dividends compound quarterly and are posted to your account on the last day of the calendar quarter.

You will receive a statement or one will be available online showing your balance, deposits and withdrawals for the quarter and the most recent dividend amount your account has earned. APCO Share Accounts pay a competitive rate of return which normally exceeds money market and short term CD rates at other financial institutions.

We’re proud to deliver industry leading returns on savings, and we’ve made it easier than ever to join APCO Employees Credit Union. Membership is now just $5, reduced from $25! 

Click here to learn more about becoming a Member

Click here to apply today

Click here to see current savings rates


* APY: Annual Percentage Yield.

Savings account dividends computed on the average daily balance and compounded quarterly.  Rate paid as of 3/31/23.