The purpose of this study was to determine effect of Ability, Motivation, and Opportunity on employee performance. In this study using saturated sampling because it uses the entire population as a sample. The results of this study are Ability, Motivation, and Opportunity do not have a positive influence on employee performance and will provide benefits for Credit Union Lestari, Credit Union Kasih Sejahtera, and Credit Union Mulia Sejahtera in an effort to improve employee performance. In addition, the results of this study can also be a recommendation for other business fields, especially in small and medium scale regarding strategies that can be used to improve employee performance.