Membership at AP Federal Credit Union means access to a wide variety of financial services and a level of personal attention that is seldom offered by financial institutions today. We are here to provide you with a safe, convenient place to save and obtain loans at reasonable rates. And, since AP is a cooperative, we are not owned by a company, by an individual, or by some distant corporation out to make a profit. Our members own the credit union, and they have a say in how it is run.