FAQs
Get the answers to your frequently asked questions.
The Answers You Need to Frequently Asked Questions
The routing number for APCU members is 261171163 and for Center Parc members is 061293018.
APCU and Center Parc membership is open to any family members related by blood, marriage, or adoption to active or retired employees of the below listed eligible companies, organizations or associations. This means the following individuals are welcome to join: spouses, siblings, parents, children, grandchildren, grandparents, aunts, uncles, nieces, nephews, and in-laws of existing members.
Membership is open to anyone who lives or works in the following Georgia Counties: Bibb, Bryan, Chatham, Clayton, Dawson, DeKalb, Effingham, Floyd, Forsyth, Fulton, Gwinnett, Habersham, Hall, Henry, Jasper, Lumpkin, Muscogee, Newton, Pickens, Rabun, Rockdale, Walton, and White.
In addition, we are excited to work with Georgia State University to bring membership eligibility to GSU Students, Faculty, Staff and Alumni.
We also welcome all employees (and retirees) of the State of Georgia, as well as any Federal employee or retiree who resides in Georgia.
There are a few differences between a bank and a credit union. The main difference is that banks have stockholders whose interests lie in harvesting profits from bank operations, while credit unions answer only to their members.
Because credit unions are not-for-profit cooperatives, their earnings turn into financial benefits for their members in the form of lower rates on loans and higher dividends on deposits.
Credit union accounts are not insured by the FDIC. Instead, they are insured by the National Credit Union Administration (NCUA), a federal government agency that insures accounts up to $250,000, comparable to the FDIC.
Overdraft protection allows funds to be transferred automatically from one APCU or Center Parc account to another in order to cover payments when the checking account balance is insufficient. A fee is charged for this service, and members must opt-in.
A minimum deposit of $1 to a Primary Savings (Share) account is required to establish membership. This Primary Savings (Share) account is funded by APCU/Center Parc. The minimum deposit for all other accounts must be funded by the member. If you want to earn dividends, you must maintain a balance of no less than $50.
We have CO-OP branches and surcharge-free ATMs all over the country; however, we don’t have branches overseas. You can access your account anywhere, any time, through our online and mobile banking.
A Money Market Account is similar to a savings account but generally pays higher dividends while allowing greater withdrawal flexibility than a timed deposit, such as a certificate. Money Market accounts often require a higher initial deposit than standard savings accounts.
A Holiday Club Account is an easy way to set aside funds to save for the holiday season while earning dividends on your funds. There are no limits on deposits, and there are no fees to withdraw your money during November and December.
A Vacation Club Account is an easy way to set aside funds to save for your next vacation while earning dividends on your funds. There are no limits on deposits, and there are no fees to withdraw your money for the first two withdrawals per year.
A Home Equity Line of Credit allows homeowners to borrow money against the equity in their house. A HELOC is often used for home repairs, debt consolidation or other large purchases.
The key difference between a Traditional IRA and a Roth IRA is when you pay taxes on the funds. With Traditional IRAs, you pay taxes on your withdrawals instead of your contributions. With Roth IRAs, you pay taxes on your contributions and not on your withdrawals later on.
A financial advisor can help you decide which investments are right for you.
An IRA, or individual retirement account, is established by an individual, as the name suggests. A 401(k), on the other hand, can only be established by an employer.
You can request a free credit report from the three major reporting agencies (Equifax, Experian and TransUnion) once a year. You can also use services like Credit Karma to see your credit score for free on a regular basis.
There are a lot of factors that determine whether you may qualify for a car loan and at what rate. However, the higher your credit score, the better interest rate and other terms you may get on your car loan. With most institutions, the credit score is used primarily to determine the qualified interest rate.
You may qualify for up to 100% financing with no down payment required. While we offer 100% financing on new and used cars, putting money down toward the purchase of a car can help lower monthly payments.
There are a lot of factors that determine whether you may qualify for a mortgage and at what rate. One of the most important is your credit history. However, we do not have a specific minimum credit score to qualify for a mortgage.
We offer 100% financing to those with qualifying income, satisfactory credit history, and other factors.
You can order checks by:
- Using the Online Banking platform if this isn’t your first check order
- Visiting a local branch
- Calling Deluxe Check Printers at (877) 838-5287 (make sure you have your credit union’s routing number and your 13-digit account number)
- Contacting us directly
Simply put, a Fixed-Rate Mortgage is one in which the interest rate does not change for the life of the loan. This is the most common type of mortgage because payments are predictable.
A co-borrower is a person who signs a loan with you and becomes legally responsible for the repayment of the loan. Typically, this person lives in the same household, has a sufficient credit history and sufficient income to support the request and must be over the age of 18.
A debt-to-income (DTI) ratio is the amount of your total monthly debt against your gross monthly income. Most financial experts agree that your DTI should be no greater than 36 percent, but every situation is different. Another factor to consider when applying for a loan is net disposable income (the amount of money remaining each month after all debts are paid).
For instance, if your monthly income is $4,000, you pay $600 a month for your mortgage, $200 for student loans and $300 on your car note, your DTI would be 27.5 percent ($1100/$4000). In this same scenario, the net disposable income would be $2,900.
Members can visit an APCU and Center Parc location or shared branch location or call the Call Center or KeyTeller Audio Response System to request a cashier’s check.
Cashier’s checks can be made payable to another party for a fee. Members must make this request in person, or send their request in writing to a Call Center Representative.
Members can only get a cashier’s check made payable to themselves at a shared branch location.
We do not offer money orders. Members are able to get a cashier’s check, though.
We offer safe deposit boxes at our Bibb County and East Metro Flagship branches starting at $30 annually. Visit the branch for more information.
Fund availability largely depends on when funds are received and the amount of money being deposited. All deposits are subject to holds. For details, review our Funds Availability Policy.
You can find the domestic wire transfer form here, and the international wire transfer form here.
Incoming wire transfers are free. Our incoming wiring instructions can be found here.
Log into Online or Mobile Banking and select Transfer. You can also contact a Member Service Representative at (800) 849-8431.
The easiest way to find your checking account number is through the Mobile Banking app. Log into the mobile app, then on the “Accounts” screen select your checking account. Then select Details under your current balance. This will display your checking account number to use for direct deposit or to give to merchants to automatically debit your account.
You can also find the account number on one of your checks.
Once you’re logged into your Online Banking account, select “Stop Payment” under the “Additional Services” tab. Enter all required information. A fee will be deducted from your checking account.
Select “Forgot Password” on the login screen of Online Banking or the Mobile app, fill out the required information, and we will send you a temporary password. Alternatively, you can call our eServices Department at (800) 849-8431.
We make direct deposit easy. Simply complete this form and give this information to your employer to begin, change, or cancel your Direct Deposit or allotment to your account.
After logging into Online Banking, select “Make an External Transfer” under “Move Money.” Select “Account to Account Transfer” to move money between your APCU and Center Parc account and other financial institutions where you also have an account.
To sign up for the Mobile App, simply:
- Download the APCU Center Parc mobile app from the Apple App Store or the Google Play Store.
- Select “Sign Up” at the bottom of the screen.
- Complete all fields on the Secure Sign Up form.
- Review and agree to Terms and Conditions.
- Click on Complete sign up button.
- A “Sign up Completed!” message will display after a successful registration.
To sign up for Online Banking, simply:
- Visit us online at www.apcu.com
- Select Login in the upper right hand corner
- Click “Create an account.”
- Complete all fields on the Online Banking Registration form
- Review and agree to the Terms and Conditions
- Click the Complete sign-up button
- A “Sign up Completed!” message will display after a successful registration
Online Banking registration and an APCU or Center Parc checking account are required for Bill Pay.
- Visit us online at www.apcu.com
- Log into Online Banking
- To register for Bill Pay, click “Bill Pay” in the top banner
- A “Bill Pay” sign-up box will appear for sign up. Review and agree to the Terms and Conditions
- Click the “Complete sign up” button
Within one business day of signing up, you will receive a message that your Bill Pay has been activated.
Changing the beneficiary(ies) on your account is easy. Simply print off an Account Change Request Form and check the corresponding boxes to indicate if you would like to remove and/or add a beneficiary to your account. Then, select the corresponding share(s). Next, fill in the name(s) of the beneficiary(ies) that you wish to remove from your account, if applicable, under the “Remove POD/Beneficiary” section(s). To add new or additional beneficiary(ies) to the account, fill in the individual(s)’ information in the “Add POD/Beneficiary” section(s). Finally, please ensure that the primary member signs the form. You may return the form by email ([email protected]), by snail mail (PO Box 161368, Atlanta, GA 30321), or drop it by any of our branch locations.
To get in touch with us, visit our Contact Us page.
We are dedicated to your privacy and financial well-being. You can view all of our disclosures here:
Yes! Zelle is available to APCU and Center Parc consumer accounts! Click here for more.
If you have any issues with returned checks, please call us at (800) 849-8431.
Annual percentage yield (APY) refers to the amount of money a savings or other deposit account earns over the course of a year.
Annual percentage rate (APR) is related to interest on loans. While the interest rate is a percentage of the total loan amount a lender charges a borrower, the APR reflects both the interest rate and any fees. For this reason, the APR is higher than the interest rate, so it is best to compare the APR when considering loan options.
Have you experienced challenges managing your finances in the past? Our Renewal Checking offers a fresh start for your checking account relationship. This account is designed to help you rebuild your credit and account history and set you on a better banking path. Renewal Checking offers robust money management options and can provide you with a better opportunity for a healthy financial future.
If you are interested in opening a Renewal Checking account, simply fill out an application online or contact Member Services at (800) 849-8431 today!
