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.

To learn more about who can join, please visit our Eligibility page. If you are eligible and wish to join, you need to open a Primary Share Savings Account with a minimum deposit of $5 to establish and maintain membership.

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.

To set up direct deposit, complete the Electronic Debit/Credit Authorization and provide it to your employer.

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.

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