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December 2023 by Alexis Sepulveda
I am warning anyone looking for a credit union/bank to NOT USE THIS ONE. It’s horrific. The app and website is super glitchy and faulty. The banks cannot and will not help you. They put a hold on my account the first week I opened the accounts (for absolutely no reason) and then their Zelle malfunctions and when it does NO ONE not even Zelle has access to anything. I actually got scammed through Zelle by someone misrepresenting them and all I wanted to know was why I wasn’t receiving money. It’s ridiculous and I lost A LOT of money. I’m immediately switching banks.
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October 2022 by James W.
I got approved for a truck through this place. This is my 8th payment on this truck and the third time that they have charged me twice in one month and made me go negative $*** in the account. Something needs to be done. This is completely ridiculous.
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May 2022 by joe harris
They have good products and decent rates for savings. Customer service is BAD. God help you if you ever have questions or need help. The person you need to talk to is never there and they DO NOT return calls.
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April 2022 by Nancy Hawley
We recently refinanced our mortgage due to the excellent interest rate and no closing costs offer. The experience with the MLO was fair at best. He was slow to respond, whited out information on the LE, got huffy with me when I was upset about the white out and asked for a clear LE and dumped me on someone else. Closing at the title company was a good experience. Then, three weeks post-closing, we received notice APCO would force-place insurance. Obviously, our Dec page was updated and provided with our supporting documentation prior to closing. I called the number on the letter, sent the Dec page again, was told via an email to wait 48 hours to follow up. I did and they still claim they had no insurance. The person I spoke with the second time contacted State Farm and confirmed I had insurance. However, my name is not even shown on the APCO records as a mortgagee or homeowner. I conclude APCO is a sexist organization who discounts women homeowners in favor of a male spouse. Additionally, we have been bombarded with at minimum one mailing per day wanting us to purchase Mortgage Life Insurance related to our APCO mortgage. So I also must conclude that signing an OptOut for third party sharing is also meaningless for this organization. Had I known all of this, I would have been inclined to pay a higher interest rate for better service.
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July 2021 by Mick McMeme
Not a good place for a long term savings account. A savings account is a place where your money can be kept safely, if they see no money added or withdrawn over a couple of months, they start charging a "fee" until the account is drained dry. The whole point of the account is to keep my money safe there. This should serve as an indicator to the type of bank this is.
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November 2020 by Alden Brindle
Good to work with. I like that they are insured by the government. Some credit unions hove a non government insurance.
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May 2020 by Randall Phillips
Personnel are always very helpful and share a smile.Have a blessed day.
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April 2020 by Davis Family 5
So far I am not very impressed with this credit union. I am not sure if it is just the person that we dealt with or the entire credit union. We made an appointment to do an auto loan and it felt like the initial person that helped us at the Clanton branch talked down to us the entire time. We had to leave and get some additional documentation, which was fine, but we were not given all of the information that we needed. I had called to double check to see what we needed and so it was ready when we came back to the branch. When we came back to the branch a couple of days later I was told that we did not have everything that we needed. On top of that, the person that was supposed to be helping was not even in the branch that day and she had passed everything off to another employee. I understand that sometimes you can't be at work but the reason for her absence was apparently planned weeks in advance. She had made an appointment with us and we expected to meet with her since she knew the entire scenario. We did get the loan done, and I am very appreciative of that and the employee that helped us the second time, but it was much harder than it had to be! Once we were done with the loan we, again, did not get all the information that should have been passed to us. We were informed that insurance was going to be force placed on the loan if we did not provide proof of insurance. We got insurance on the vehicle BEFORE we even went to finalize the loan. If the proper questions were asked at the time of closing by the lender then this all could have been avoided. I hope our future encounters with this credit union are better.
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March 2020 by Whitney Williams
I bank with the Jasper branch and I am so impressed with their service to their customers. The lines were ridiculous but I had to wait. I noticed the lines getting smaller and going by much faster. I get closer to the window and see employees greeting us and asking how they could help. They turned a 1 hour + wait into 12 minutes. So impressed and thankful for this upstanding service and devotion.
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January 2020 by Chase Stephenson
I’ve been a customer since 2012 and I can’t begin to say how much better this is compared to a corporate bank. I had worked for both Wells and PNC and those people constantly dig through customers transactions to sell them new products or worry them to death about it. That doesn’t happen at APCO. Even though I no longer live in Alabama, I can still use them through shared branch at my other credit union. Tellers and managers have always been respectful and won’t force unwanted things on you.
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October 2019 by Brent Lucas
Don't rob your members for moving to another state and not filing a change of address at a branch. I moved to Ohio for 3 years for work I thought my savings account was safely in your hands. I moved back to take care of my mother who is dying of cancer. I go into a branch to get my direct deposit information. Since I am back in the state. I find out the bank has declared my account as abandoned taking 3 dollars month out of my account until it hit zero then purged my account. I never once got a phone call about this issue. I had a good number on file. So is it policy with good customer service or was a rob by a greedy institution?
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August 2019 by Trey Ragland
Great customer service! Also, the best rates for deposits and loans you will find anywhere.
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March 2019 by Tiny McPoop
Called and told them my first and last name, along with my wifes and our joint account #. An African American female rep said they had no record of me, then asked if my name was Levi.
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February 2019 by Marianne Meredith
The people are friendly and knowledgeable, always willing to go the extra mile to give you the service you need.
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January 2019 by Robert Price
Great employees and helped me with everything I needed.
