750 17TH ST N
Birmingham, AL 35203
See all branch locations →

Phone 800-249-2726

Notable Rates APY Vs.Others
Savings N.A. 1.55% →
1-Year CD N.A. 1.35% →
2-Year CD N.A. 1.35% →
5-Year CD N.A. 1.60% →
30-Year Mortgage 3.98% 3.09% →
15-Year Mortgage 3.43% 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Apco Employees is an NCUA insured institution located in Birmingham, AL. It was founded in 1953 and has approximately $2987.51 millions in assets.

Who can join?

You are eligible to become an APCO member if you are in any of the following categories:

An employee or retiree of Alabama Power Company, Southern Company Services, Southern Nuclear or other affiliated companies of the Southern Company.

An employee or retiree of other designated groups or organizations.

Family members, related by blood or marriage, to any APCO Credit Union member.

NCUA Insured Yes
Charter Number # # 62728
Date Established 1953
Assets $2,987.51 million
Loans $835.98 million
Deposits $2,615.35 million
Capital $369.02 million

Field of Membership Restrictions

Membership in Apco Employees Credit Union is open to employees and retirees of Alabama Power Company, Southern Nuclear, Southern Company Services, or other affiliated companies of the Southern Company.

Deposit Rates - June 6, 2020

Your Current Location: Virginia, VA 20146

We do not yet have rates for Apco Employees

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Note to Apco Employees
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Loan Rates - June 6, 2020

Your Current Location: Virginia, VA 20146

Auto Loan Rates APR Rate Monthly Payment
4 Year 2.45% 2.45% $547.30
5 Year 2.90% 2.90% $448.11
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment
Home Equity Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


Below are Apco Employees branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Apco Employees Locations

Financial Details

Apco Employees Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Apco Employees. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Apco Employees U.S. Average
2.63% 5.92

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2019, Apco Employees had $9,512,653 in non-current loans and $258,151 in owned assets. To cover these potential losses it had $369,024,174 in net worth and $2,630,133 in loans loss reserves. That gives it a Texas Ratio of 2.63%.

Net Worth
Apco Employees U.S. Average
12.35% 13.86%

Apco Employees FCU has a net worth of 12.35% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Apco Employees

Branches and Savings

What is Apco Employees?

A federal credit union, registered with the NCUA under certificate #62728.
Learn more about credit unions here.

Is Apco Employees FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Apco Employees?

Please see Field of Membership information above for information on who is eligible to join.

What are Apco Employees's share account and share certificate rates?

Apco Employees's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Apco Employees?

Apco Employees has total capital of $369.02 million. Full information on Apco Employees's financial position is located above.

Who owns Apco Employees?

Credit Unions are owned by their members.

Where are Apco Employees branches located?

See branch locations nearby.

Are Apco Employees ATMs Open 24/7?

Do Apco Employees ATMs accept cash deposits?

Can Apco Employees customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Apco Employees have a mobile app?

Does Apco Employees have mobile deposit?

Does Apco Employees have quick pay?

How can Apco Employees transfer money to other banks or credit unions?

Does Apco Employees report to credit bureaus?

Does Apco Employees use Chexsystems?

Does Apco Employees use Equifax?

What is Apco Employees's toll free phone number?

What is Apco Employees's ACH Routing Number?

What is Apco Employees's SWIFT code?

Where can I find Apco Employees's wire transfer form?

What is the Apco Employees address for deposits?

What Products Does Apco Employees Offer

Does Apco Employees offer mortgages?

Compare mortgage rates here.

Does Apco Employees offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Apco Employees offer auto and RV loans?

Compare auto loan rates here.

Does Apco Employees offer student loans or personal loans?

Compare personal loan rates here.

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