All Private Education
Co-operative Credit Union
Community-Grown. Digitally-Driven.
At APECCU, we're more than a credit union — we're a growing financial family built by private schools to serve the needs of educators, staff, and school communities across Ghana. Formed by the Private Education Council (PEC), APECCU empowers members to access savings, loans, and financial tools that are both people-centered and technology-enabled.
APECCU is certified by the
Co-operative Union Association
Meeting the highest standards of financial co-operatives in Ghana
Our Distinguished Members
Leading educational institutions that trust APECCU for their financial partnership
East
Airport
International
School
Alpha
Beta
Christian
Academy
Beacon
International
School
New
Nation
School
Jack
&
Jill
School
Ghana
International
School
Why Choose APECCU?
Promote thrift and savings habits
Our high-yield savings accounts help educators build financial security
Provide competitive loans
Low-interest education loans with flexible repayment terms
Member-owned, community-first banking
Profits reinvested to benefit our education community
Deliver a modern digital experience
Seamless mobile banking designed for busy educators
Serve the entire private education ecosystem
Comprehensive solutions for schools, teachers, and staff
Primary Account
GHS 5,280.50
Recent Activity
Deposit
10:45 AM
+GHS 1,200
MoMo Payment
Yesterday
-GHS 350
Loan Payment
Mar 15
-GHS 1,000
Mobile Money
Instant deposits
Banking at Your Fingertips
Your money, your way — anytime, anywhere. APECCU puts complete financial control in your hands with our powerful mobile banking platform.
Mobile Money Deposits
Add funds instantly via MoMo
Instant Withdrawals
Access cash when you need it
Digital Loan Applications
Apply in minutes, get fast approval
Real-time Balances
Monitor transactions as they happen
e-Statements
Access payment history anytime
Savings Management
Grow your funds effortlessly
Membership That Works For You
APECCU – Easy Entrance for All. Fully Digital. Deeply Human.
Individual Membership
- Teachers
- Non-teaching staff
- School owners
- Parents
- Students
Perfect for education professionals and families seeking personalized financial solutions.
Corporate Membership
- Schools
- School associations
- Families
- Groups
- Private education organizations
Ideal for institutions and groups wanting collective financial growth and benefits.
Membership Benefits
All members enjoy these exceptional advantages with APECCU
Competitive loan rates
Lower rates than commercial banks
Accessible savings
Multiple savings account options
Full digital banking
Manage accounts 24/7 from anywhere
Flexible repayments
Customized payment schedules
Ownership rights
Voting privileges and dividends
Community network
Connect with fellow educators
Ready to Join Ghana's Premier Education Financial Community?
Experience banking that understands the unique needs of educators and private schools.
APECCU Gallery
A glimpse into the life and culture at APECCU.
Banking Made for the Education Community
We understand the unique financial challenges that educators and school owners face. That’s why we’ve built APECCU around accessibility, affordability, and accountability, offering solutions that help you thrive — personally and professionally.