APCI Federal Credit Union, headquartered in Allentown, Pa., is a federally chartered and insured credit union, and serves employees and family members of Air Products and Chemicals throughout the United States. Established in1954, it has more than 16,500 members, and is member-owned and controlled, through a board of directors elected by the membership. It encourages members to save money by paying higher dividends on savings and by offering loans to members at lower interest rates. It provides a wide array of other financial products and services at prices that meet members' needs. APCI Federal Credit Union also provides information that helps educate members in making informed financial decisions.