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APEX Financial Credit Union

Popular Accounts at this Credit Union

1.51%5-year CD60 Month Share Certificate
0.50%1-year CD12 Month Share Certificate
0.02%SavingsOther Shares

Overview / Commentary
18 Mullanphy Garden Shpg Ctr
Florissant, MO 63031-3412

APEX Financial Credit Union is headquartered in Florissant and is the 47th largest credit union in the state of Missouri. It is also the 2,785th largest credit union in the nation. It was established in 1956 and as of June of 2017, it had grown to 13 employees and 4,809 members at 2 locations. APEX Financial Credit Union has a C+ health rating.

Field of Membership Restrictions

Apex Financial CU is open to anyone who holds residence or works in these Missouri Counties: St Louis, St Charles, Jefferson, Franklin and St Louis City. This membership eligibility extends to include you family once your CU membership status is established.
See current membership details

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Reviews (2)

Not The Best In Taking Responsibility, Answring ...

I had concerns that were sent back on 4-9-15, expressing the lack of response to any issues presented whether through my phone calls, letters, or their on-line Contact the President. After contacting Missouri Division of Credit Unions on 6-9-15, I finally received 6-27-15 an undated letter from Apex President expressing he couldn't leave messages on my answering machine (other people can), and thanking me for my support -- but not addressing anything that caused me to originally contact Apex in the first place. Their customer service, indecisive President/staff who waits until obviously a State Agency contacts them, is unbecoming of member's trust and confidence. Maybe that's why they have a Health Rating of "B". I've closed my long-standing account and work with an excellent, people oriented Topeka, Kansas, credit union, and with USAA. Apex has been a real let down. Unless they change their overall attitude ... as Amelia Steward below states: "The president never gets back to you in regards to a complaint." I would add: "Unless Apex is contacted first by a regulatory agency."

The Worst Credit Union Ever

All of the employees are extremely rude. This credit union is money hungry they charge you for every single thing. They are not helpful at all. They talk about the members to thier employees openly. I had a cousin Janine who worked for them and she would tell me how they would be at work speaking negative about me. I hate this back. If it had not been for my deceased grand mother starting me this account since I was 15 I would have been left. The management staff is useless they just are out to get your money and charge you fees. The president never gets back to you in regards to a complaint.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. APEX Financial Credit Union has a low asset base, and a negative return on assets.

Health Grade Components

NCUA #62711
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD-2.44%
Return on Equity - YTD-32.12%
Annual Interest Income$562.00K
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$33.5MM$37.3MM
LoansQ2 2017vs Q2 2016$13.8MM$14.9MM
DepositsQ2 2017vs Q2 2016$30.7MM$31.0MM
Equity CapitalQ2 2017vs Q2 2016$2.6MM$3.5MM
Loan Loss AllowanceQ2 2017vs Q2 2016$398.00K$344.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$129.00K$393.00K
Real Estate OwnedQ2 2017vs Q2 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

APEX Financial Credit Union Savings Account Rates

0.02%--Regular Share
0.02%--IRA Share
0.02%--Club Share
0.02%--Other Shares
0.02%--Roth IRA Share
0.02%--CESA Share

APEX Financial Credit Union Money Market Rates

0.40%*$25k*-Money Market Savings
OTHER TIERS: 0.15% $2,500 - $10k | 0.30% $10k - $25k

APEX Financial Credit Union CD Rates

1.51%$500-60 Month Share Certificate
1.21%$500-48 Month Share Certificate
1.00%$500-36 Month Share Certificate
0.75%$500-24 Month Share Certificate
0.56%$500-18 Month Share Certificate
0.50%$500-12 Month Share Certificate
0.25%$500-6 Month Share Certificate
0.15%$500-3 Month Share Certificate

APEX Financial Credit Union IRA Rates

1.51%$500-60 Month IRA Certificate
1.21%$500-48 Month IRA Certificate
1.00%$500-36 Month IRA Certificate
0.75%$500-24 Month IRA Certificate
0.56%$500-18 Month IRA Certificate
0.50%$500-12 Month IRA Certificate
0.25%$500-6 Month IRA Certificate
0.15%$500-3 Month IRA Certificate

APEX Financial Credit Union Locations
Branch Office1222 Spruce St Rm 1206Saint Louis, MO 63103-2818
Corporate Office18 Mullanphy Garden Shpg CtrFlorissant, MO 63031-3412