Why choose AP Federal Credit Union?

The Credit Union Difference
A Bank is a financial institution, chartered by the state or federal government, which accepts deposits and makes loans to people and corporations for a profit.
A Credit Union is a cooperative, not-for-profit financial institution chartered by the state or federal government, which is owned and controlled by its members and organized to promote thrift and provide credit to those who belong. A credit union may only serve members who share a common bond such as that of employment, community or organization.
To understand what makes your credit union different, it helps to know more about just what a bank and a credit union are. While there are exceptions, each institution can be described in a general way. Your credit union may offer many of the same services as other financial institutions. Unlike them, your credit union is not in business to make a profit. It exists to provide you with a safe, convenient place to save and to obtain loans at a reasonable rate. And since it is a cooperative, your credit union is not owned by a company, by an individual, or by some distant corporation with little interest in you beyond how much profit it can make. You own your credit union - or at least a share in it - so you have a say in how it is run.
Service to Members
The credit union commitment to service is as old as the credit union movement itself. Ever since the first one was formed in the United States in 1908, credit unions have grown and prospered because of a deep-rooted belief in the idea that people's dreams can become real...when they work together.
With our philosophy "People Helping People" we will offer attractive rates on savings and affordable loan rates with lower fees than other financial institutions. AP Federal Credit Union is "Here for you in Money Ways".
Fully Insured: Your Safety Net
Credit unions are ideally suited to be your first choice in financial matters. If your money is entrusted to your credit union, it couldn't be in a safer place. Like other insured financial institutions, your credit union is covered by an insurance fund established and maintained to protect your money.
Statement of Service and Social Responsibility
We promise to deliver the best programs possible to our members. In addition, we will provide service over and beyond "the call of duty". We will assist our members in financial counseling, teaching them about thrift, the wise use of credit, and self-help in learning to balance their credit with their savings.