Funds Insured
Your funds are federally insured to at least $250,000 and backed by the full faith
and credit of the United States Government by National Credit Union Administration, NCUA,
a U.S. Government Agency
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No Cost Life Insurance
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Your beneficiary may receive up to $1,000 Accidental Death & Dismemberment insurance.
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AP's
Savings Accounts
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Share Savings: The Share Savings account establishes your credit
union membership. You must maintain a balance of $5 in your Share Savings account
to remain a member in good standing or $100 to avoid a $3 fee.
Share Certificate: Share certificates are fixed-term investments
offering competitive, fixed dividend rates. A variety of terms are available.
IRA - IRAs accumulate dividends on a tax-deferred basis making
them an ideal investment for your retirement. AP IRAs are offered with no monthly
fee, no maintenance fees, and a variety of terms.
Money Market Management Account: This account offers competitive
dividend rates based on prevailing money market rates with greater liquidity than
other high-yield accounts. This account offers the flexibility of unlimited deposits,
and up to three withdrawals per month.
Club Accounts: Let us help you save for the holidays or vacation with
our Holiday Club and Vacation Club accounts. Use our free payroll deduction service
to make automatic deposits to your club account. Competitive dividend rates make
it easier to reach your savings goals.
VIP Club Account: AP's VIP Club account offers special benefits to
members maintaining a minimum balance of $1500 in their VIP Savings account including;
free check printing, money orders for just $.25, no-annual
fee Visa with a reduced interest rate, special discounted rate on personal loans,
and more.
Click on "rates" above to get our current savings and share certificate rates.
For Our Young Members:
Penny Panda Club: Help your children or grandchildren learn the importance
of saving at an early age. Our Penny Panda Club is open to kids 12 and under and
is a fun way to teach them the value of saving.
Teen Star Club: Our Teen Star Club is open to teenagers 13 to 18 years
old and helps teach them the importance of saving money and spending wisely.
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Payroll Deduction / Direct Deposit / Periodic Payment
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If your employer offers direct deposit or if you are the recipient of a regular
governmnet or pension check, you can have all or part of your check directly deposited
to your AP account.
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Share Draft Checking Accounts
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Regular Share Draft Checking: Maintain a minimum balance in your Share
Savings account and you can enjoy the flexibility of a checking account that earns
dividends and offers other benefits without a monthly service charge.
Free Share Draft Checking: No minimum balance requirement, and
no monthly fees make this an attractive and flexible spending account.
Advance Advantage: An automatic overdraft protection "cushion"
for all checking accounts in good standing, Advance Advantage permits you to "overdraw"
your account up to a set limit, eliminating the hassle and extra expense of returned
checks. Other options of overdraft protection, in addition to Advance Advantage,
are availble to members with Regular Share Draft Checking accounts.
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ATM Service
Enjoy the convenience of 24-hour access to your accounts with an AP Automated Teller
Machine (ATM) card. You can make withdrawals, transfer funds, and check balances
at thousands of ATMs worldwide. Your AP ATM card is accepted at Jeanie, Plus and
Pulse network ATMs. We are also part of the Alliance One ATM network, giving you
access to hundreds of ATMs nationwide, including many in our area, with no surcharge.
Click here
to search for an Alliance One ATM near you.
AP has a 24 hour ATM located at both our locations, 3907 N. Detroit and 405 N. Reynolds.
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MasterMoney Debit Card
The MasterMoney Debit card is used like a credit card, but the amount of your purchase
is deducted from your Share Draft Checking account. It also serves as your ATM card,
allowing you to access your accounts through a wide network of ATMs.
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Affordable Loans
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AP provides qualified members with low-cost financing options for a wide variety
of purposes such as auto, boat, RV, motorcycle, student loans, share-secured loans,
and more. With low rates and flexible terms, we can help you find a payment that
is comfortable for your budget. For your convenience, you can choose to have your
payments automatically transferred from an AP deposit account. AP also offers mortgage
loans and home equity lines of credit.
Click here to apply for a loan online!
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VISA
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AP Visas offer convenient and affordable shopping, competitive rates, a full 25-day
grace period, no annual fee, worldwide acceptance, cash advances, plus much more.
AP is a part of the Verified by Visa secure online shopping network.
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AP Press Express Touch-tone Phone
Audio Voice Response
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You can access your accounts 24 hours a day, seven days a week using a touch tone
phone and AP's Press Express service. Check balances, make loan payments, transfer
funds and more with this free service.
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Home Financial Services
On-Line Banking and AP E-Z Bill Pay Electronic Bill Payment
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Access your accounts 24 hours a day, 7 days a week from the internet with Home Financial
Services. Check account balances, make loan payments, transfer funds, and more,
anytime it is convenient. You can also pay all your bills online using AP E-Z Bill
Pay. Both of these services are free and offer the latest online security protection.
Save time and money, click on "Go to online banking" to the left to sign up.
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Two Convenient Locations
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Visit us at our main office at 3907 N. Detroit Ave. or our Branch at 405 N.
Reynolds Rd.
Click here for phone numbers office hours.
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