Your Credit Union Story

Thank you for joining us in celebrating our 65th anniversary. Without you, our members, our ongoing journey would not be possible. Please take a moment to meet some of our current members, as they share their Credit Union story.

 

  

 

Mary Ann F.

Over 40 Years of Membership

 

Mary Ann cited several reasons for becoming a Credit Union member, including our share savings products and rates, as well as our loans and Mastercard® rates. She also enjoys the convenience of our location and the APCI eCU Suite of Electronic Banking Services. Her husband and both children are also Credit Union members. Currently living in Delaware, she feels the convenience of our electronic services is the greatest benefit of membership.

Mary Ann relayed an experience that stands out in her mind when one of her sons was relocating for work. He needed a large security deposit for an apartment. The deposit was required via a money order, which he had to purchase at the post office. A Credit Union representative was able to temporarily change the daily maximum Visa® Debit point-of-purchase amount so he could buy the money order.

Mary Ann also told us, “Initially, when I became an Air Products employee, I joined for the convenient location in the office, plus all the great services offered. Through the years, we took advantage of the various savings accounts, checking account with Visa Debit card, Mastercard, auto loans, home equity loans, and refinance mortgages. Both of our sons have had accounts since they were in elementary school and continue to use them in their adult lives.  All of us take advantage of the electronic services and use them all the time.

Five years ago, my husband and I relocated to Lewes, Delaware. The Credit Union is still the only banking service we use. All of the electronic services are incredible. We can apply online for a loan, pay all our bills through APCI PAY®, and deposit checks through APCI eDeposit. We use local ATMs to withdraw cash when we need it without paying any fees. I've checked rates at credit unions here, and the APCI FCU has the best rates of any.”

 

  

 

Karen R.

31 Years of Membership
 

Karen cited several reasons for becoming a Credit Union member, including our share savings and IRA rates, as well as our loans and Mastercard® rates. She also enjoys the convenience of our location and the APCI eCU Suite of Electronic Banking Services. Her husband and two children are also Credit Union members. 


Karen told us that she discovered she could lower her interest rate and payment terms on her auto loan many years ago by transferring her financing to the Credit Union. She states, “I’ll never forget how they looked out for me and saved me money and time! I am a huge advocate of the Credit Union and its services and rates. I also love their low to no fees and the personal service I get any time I need help, along with their quick replies to online loan applications.”

 

  

 

Tammy B.

8 Years of Membership

 

Tammy’s primary reasons for becoming a Credit Union member were our no monthly fee share draft checking, as well as our vehicle, real estate, and Mastercard® loan products and rates.

Even though Tammy is in Ohio and cannot visit us in person, she feels the greatest benefit of membership is the personal service of the Credit Union staff. She went on to tell us, “The CU employees worked closely with me after I purchased a repo/rehab house. I initially used funds from my 401k to purchase and begin the renovations, then refinanced as soon as enough of the project was completed to get an appraisal. The process for refinancing with the Credit Union was quick and easy with minimal expense.”

 

  

 

Eric D.

30 Years of Membership

 

Eric tells us that he first became a Credit Union member because of our vehicle loan and Mastercard products and rates. Over the years, his wife and children also joined APCI FCU. Currently residing in Oklahoma, he feels the convenience of our electronic services is the greatest benefit of membership.    


Eric also shared the following with us. “I have been contacted several times over the years by the APCI FCU to validate charges that were made on my Mastercard, typically after a high dollar purchase or after months of inactivity on my card. It is nice to know that they are constantly monitoring for unusual activity. I have used APCI FCU to purchase my last six vehicles and have also refinanced my last two houses. Banking with the Credit Union has always been easy regardless of where I have lived, and I have relocated five times throughout my Air Products/Versum Materials career.”

 

  

 

Mary A.

24 Years of Membership

 

Mary, now retired, joined APCI FCU based on information learned during orientation as a new Air Products employee 24 years ago. Her husband and children are also members.


Mary cites the personal service of the Credit Union staff as the greatest benefit of membership. She went on to tell us, “Several years ago, they helped me with an auto loan. It was so easy, and there was no stress. We ALWAYS use APCI Credit Union for our auto loans. I would never go anywhere else.”

 

  

 

Lynn M.

34 Years of Membership

 

Lynn, now employed at Versum Materials in Austin, joined APCI FCU as an Air Products employee based on information learned during employment orientation as well as our vehicle and personal loans and Mastercard®. She feels the number one benefit of membership is our loan rates.


Lynn tells us, "Many times early in my career, APCI FCU helped me with consolidation of loans and getting a lower overall interest rate than many credit cards. One of the best features is still saving each year for the Christmas Club (now Alt Share Savings). Also, I have financed multiple vehicles with the Credit Union. I remember the car dealerships' comments were something like, "WOW, they are almost giving you FREE money." Now I have accounts set up for my grandchildren, and it's nice to know I will have just a little nest egg to give them when they graduate from school. Credit Union staff have always been great to work with, super friendly, and knowledgeable. They make it easy to complete any transaction and are always willing to answer questions as they arise."

 

  

 

Gretchen S.

25 Years of Membership

 

Gretchen joined APCI FCU for several reasons, including information she learned during employment orientation, the encouragement of co-workers, our share savings and share draft checking products and rates, and the convenience of our electronic services. Although Gretchen lives in Arizona, she feels that the greatest benefit of membership is the personal service of the Credit Union staff. After joining, she also encouraged her husband to become a member.
 

Gretchen states, “When we lived in St Louis, MO, we refinanced our home through the APCI FCU. APCI FCU offered a very competitive rate, and the associated fees could not be beaten! The process was very simple, completed online, or over the phone. We have banked exclusively at APCI FCU for nearly 25 years, although I have never worked at the Trexlertown campus. The services are competitive, and the staff is more helpful than any bank I have ever dealt with.”

 

  

 

Forest W.

35 Years of Membership

 

Forrest and his wife are both APCI FCU members located in Arizona. In addition to joining after being encouraged by an immediate family member, their other reasons for joining include our Share Savings and Share Draft Checking products, as well as our personal loan and Mastercard® rates.
 

Forrest feels the number one benefit of membership is the personal service provided by the Credit Union staff. He also shared that, “While building a new house and doing most of the labor, we ran short on funds. The Credit Union was able to loan us enough money to complete our house when banks would not. Great financial services with an awesome staff, what more could you ask for.”

 

  

 

Steven B.

31 Years of Membership

 

Steven cites many reasons for becoming a Credit Union member, including share savings, share draft checking, and share certificate products and rates, as well as our vehicle loan, real estate loan, and Mastercard® products and rates. He enjoys the convenience of our location and APCIRCUIT®, APCI PAY®, APCI eMobile, and APCI eDeposit. His wife and daughter are also Credit Union members.


In Steven’s words, “Whether it is a question regarding financial services or products, the Credit Union staff is professional, courteous, and extremely knowledgeable. Employees like Ann Marie, Felicia, Debbie, Laura, Rick, and so many others are always there when I need them. Trust is everything in a financial institution, and I trust the leadership and staff of the APCI Federal Credit Union. There is no other place I would rather bank.”

 

  

 

David K.

Less than 1 Year of Membership

 

David was encouraged to join the Credit Union by an immediate family member. He, along with his spouse, attended one of our Member Events held in their local area. David joined while at the event based on information learned, as well as our rates for share savings, share draft checking, share certificates, and IRAs.


David stated, “At the November APCI FCU open house, the APCI Federal Credit Union staff were all very informative and helpful. I decided to join based on the friendliness and willingness to help me with my decision of how to handle my IRA funds.”

 

  

 

Scott G.

30 Years of Membership

 

Scott, who is now retired from Air Products, joined APCI FCU as an Air Products employee for the loan rates and convenience of our location. Over the years, he has taken advantage of our low auto loan rates several times, and we even helped him upgrade his kitchen with a home equity loan. Scott describes the APCI FCU loan experience as “top-notch.” Over the years, three additional eligible family members have joined APCI FCU also.

Scott feels the number one benefit of membership is the personal service provided and shares that the “Credit Union has always done a great job with car loans, home equity loans, Mastercard, share accounts, and other member services. Always friendly and helpful. Keep up the good work.”

 

  

 

Donna M.

8 Years of Membership

 

Donna was encouraged to join APCI FCU by Air Products co-workers and convinced by all our share and loan products and rates, as well as the convenience of our location and electronic services. After becoming a member, her spouse and two children joined as well.
 

Donna quickly discovered APCI FCU’s mortgage and auto loan rates were lower than those of the lender she was using at the time and was able to save a substantial amount of money by refinancing both. Donna told us, “The process was very smooth, and working with the Credit Union employees was a pleasure. Anytime I go to the Credit Union with a teller transaction or questions, there is always a smiling face to greet me, which is very nice and personal.”

 

  

 

Sharon H.

30 Years of Membership
 

Sharon first joined APCI FCU because of the convenient location. She feels that the personal service of the Credit Union staff is the number one benefit of membership, and she has three children who also became members.

Sharon states, “There is definitely something to be said for working with a banking institution that knows its customers. Many years ago, I was going through a difficult divorce and needed the assistance of the credit union with some money issues. They really stepped up to the plate and went above and beyond to help me out of a tight spot. I never forgot that! I feel like at a "big bank" they would have just bypassed my needs because they just look at the numbers. Thank you for all you do for your members.”

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