Do you want to know more about membership, or a product or service? Please select from the categories below to find answers to many commonly asked questions.
- ATM/Visa® Debit Card
- Credit Union Location Updates
- Electronic Notifications - APCI eAlerts
- Electronic Statements - APCI eStatements
- Loan - General
- Loan - Real Estate
- Loan - Vehicle
- Member Service
- Mobile Banking - APCI eMobile
- Mobile Check Deposit - APCI eDeposit
- Online Applications Center
- Online Banking - APCIRCUIT®
- Online Bill Pay Service - APCI PAY®
- Referral Program - APCI eReferral
- Share Certificates
- Share Savings & Share Draft Checking
- Telephone Banking Service - APCI eTalk
While banks and credit unions are both financial institutions that offer similar services (checking and savings accounts, auto loans, and mortgages), the main difference between a bank and a credit union is that "customers" of a credit union are members, and they own the institution. A bank is a company, and like most companies, a bank aims to maximize profits for its shareholders. A credit union is a cooperative, not-for-profit, institution that is owned by its members (customers) who elect a board of directors. Credit unions tend to focus on members' needs and attempt to provide credit at reasonable rates along with superior member service.
APCI FCU's conservative business model has delivered consistently strong financial results. In addition, deposits in APCI FCU are federally insured through the National Credit Union Administration (NCUA) and are protected to the same extent bank deposits are protected through the FDIC.
No, you can visit our APCI eLoan Online Applications Center to submit a loan application without being a member. However, in order to use any Credit Union products and/or services, including our loan products, you must be a Credit Union member. If you are in the field of membership, there is a minimum deposit of $5 required to establish and maintain membership.
Once a member of our Credit Union, you are always a member. Whether in career transition, retirement or are moving out of town, your membership remains active.
We can provide you with the necessary information if you wish to set-up a new direct deposit.
If you are currently on Auto Pay through a transfer from either your Credit Union Share Savings or Share Draft Checking, there is no need to make any changes as we will continue to debit your account as scheduled.