We're a member-owned, not-for-profit financial cooperative committed to helping hardworking people save money and prosper. APCU is a member-owned cooperative financial institution. This means as a member, you're part owner of the credit union. We're a not-for-profit organization, so we return profits to our members in the form of better rates and fewer fees. Once you're a member, you can remain a member for life, even if you change employers, relocate, or retire.