Your Complete Year-End Financial Checklist
Is your monthly budget still working well for you? Are you stretching some spending categories or finishing each month in the red? Take some time to review your budget and make any necessary changes.
Insurance Check-up New Year Resolution
Make An Insurance Check-Up Your New Year’s Resolution!
Insurance is not a “buy it and forget it” product. An annual check-up on your current insurance policies can result in a healthier policy and a healthier pocketbook.
Regardless of which types of insurance you own now, your coverage will probably need some adjusting over the years. You may even have to purchase new types of insurance that you didn’t need before.
An annual insurance checkup is a smart idea! Considering what new types of coverage you might need and reviewing your current coverage once a year, even if you don’t think there have been any significant changes in your circumstances, will help ensure that you stay adequately protected and avoid any unpleasant surprises if you ever have to file a claim.
To stay on track, do your annual review around the same time each year.
In addition to your routine annual insurance review, you should re-evaluate your coverage any time there is a life event or significant change in your circumstances that either increases or decreases your risk—and, therefore, your need for protection.
Home, Auto, and Property Insurance:
This area of insurance changes frequently which means there could be opportunities to get more coverage and perhaps save money. It isn’t unrealistic to consider getting new bids for all your non-life policies every year to be certain you’re not spending too much or getting too little for your dollar. It is also a good time to make sure your home policy covers any upgrades or additions you’ve made to your home since its original purchase.
Life Insurance:
You might think you already did an in-depth review of your needs when you originally purchased your life insurance policy. At that time, you considered your family’s financial needs, took inflation into consideration, and decided on a coverage amount and term. Yet, every new year brings changes into our lives, such as weddings, births, divorces, new jobs, new roles, variations in salary, etc. These important events should be reflected in your life insurance policy to ensure it is keeping up with your expectations.
Available Insurance Offers and Products
AGCU Insurance offers over 20 different types of insurance. This includes traditional home and auto insurance but also includes other policies like pet and wedding insurance. Here are some of the most popular insurance policies currently offered:
- Auto, Motorcycle, and Scooter
- Boat, ATV, and Recreational Vehicle
- Life
- Home, Condo, and Vacation Homes
- Wedding
- Landlord Policies
- Renters
- Pet
- Valuable Items
- Flood, Sinkhole, and Disaster-related
- Home Warranties
Reviewing your life insurance is not as complicated as you might think. All you have to do is consider the following points:
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- What’s changed in your life since the policy was purchased? Have you gotten married, divorced, or expanded your family? Does the original need the life insurance policy was intended to meet still hold true today?
- Relationships and obligations change over time. Does your beneficiary selection need to be revisited? If so, call 866-508-2428 or 417-447-9356 or Email: insurance@agcu.org, and we will send you the appropriate form.
- Have you changed addresses?
- Your financial circumstances or lifestyle may have changed over the years. Have you acquired more debt or increased your income? For your loved ones’ sake, be sure your policy is keeping track with these changes.
- Have you lost a significant amount of weight or quit smoking? Improving your health is not only good for your life, it might be good for your life insurance coverage. Call us to find out.
- Check the expiration date on your term policy. It’s important to keep track of this so you can extend it if necessary.
Your AGCU insurance professional will be familiar with your current coverage and can provide valuable guidance regarding what you need to stay adequately protected and even how to save money on premiums.
Block out an hour, call an insurance agent, and get answers to these important questions.
What Type of Coverage Do I Have?
How Much Coverage Do I Really Need?
How Can I Lower My Premiums?
What are my deductibles and discounts?
The Best Coverage at the Right Price
In order to ensure that you’re getting the most bang for your buck, AGCU Insurance is dedicated to minimizing fees, loading on discounts, and offering competitive policies. There are a variety of discounts available. These include multi-car, multi-driver, new car, paperless, multi-policy, good student, and many others.
Additionally, AGCU Insurance offers free coverage checkups.
If you live in Arkansas, Kansas, Missouri, Oklahoma, or Texas, Fill out the Quote Request Form at the top of the page, or contact Sherrie and Dee today to obtain a quote!
Phone: 866-508-2428 or 417-447-9356
Email: insurance@agcu.org
If you live outside of those five states, visit the AGCU InsuranceAisle website or call 866-397-4086 for more information.
Banking With A Purpose
Much more than a catchphrase, our tagline is our passion, our reason why we do what we do. This is the impact of your membership with AGCU. Learn More About Banking with a Purpose
Holiday Skip-a-Pay
Holiday Skip-a-Pay
Need some extra cash this holiday season? You may be eligible to skip your consumer loan payment in November or December!*
Consumer Loans include:
- Auto Loans
- Boat Loans
- Motorcycle Loans
- RV Loans
- Personal Lines of Credit
- Signature Loans
Simply download and fill out the “Holiday Skip-a-Pay” form. Then send it to one of the following:
Email: skipapay@agcu.org
Fax: 417.831.4420
Mail: AGCU (Attn: Skip-a-Pay), PO Box 2328, Springfield, MO 65801
Click here to download the form.
Loans financed elsewhere? You may be able to lower your rate and payment by refinancing with us, and you can delay your first payment up to 30 days.
Banking With A Purpose
Much more than a catchphrase, our tagline is our passion, our reason why we do what we do. This is the impact of your membership with AGCU. Learn More About Banking with a Purpose
________________________________________________________________________
*CONSUMER CREDIT CARDS, REAL ESTATE LOANS, HELOC LOANS, BUSINESS LOANS, AND BUSINESS CREDIT CARDS ARE EXCLUDED FROM THIS OFFER. Skip-a-Pay Processing fee of $25.00 or 10% of the monthly payment – up to $50.00 (whichever is the greater amount). Maximum of two (2) payments may be skipped per loan, per calendar year. Maximum of four (4) payments may be skipped over the life of the loan. Interest will continue to accumulate on the loan during the month the payment is skipped. All loans must be current to qualify and must have been opened at least 60 days prior to the month of loan payment skipped. Only loans that have had the first monthly payment since origination are eligible for the Holiday Skip-A-Payment program.
If the processing fee is not paid, this offer is void. Offer expires 12/31/2024
5 Reasons To Open A Money Market Account
When you’re trying to save and manage your money, it can be tough to decide the right account to use. Savings accounts are ideal for funds you want to put away for emergency or special purposes, while checking accounts are the way to go for money you’ll spend. But what if you’re looking for something that will help you save with the flexibility to spend?
Look no further than a money market savings account. These are perfect for funds you don’t need immediate access to but may need to withdraw from in the future. Typically, you’ll earn a higher return without the risk of the stock market or the restrictions of a CD.
Here’s a look at the top five reasons to open a money market account
Accessibility of Funds
One of the most attractive features of money market savings accounts is how your funds are “liquid” — they don’t have a maturity date or term requirements. This means you can access money in your account anytime, usually without penalty*
The level of security combined with the ease of accessibility can be ideal if you have occasional, large expenses such as tuition payments, household repairs, or even unexpected medical fess. You’ll simply earn your dividend while waiting for a need to spend.
*withdraw funds up to six times a month with no fees. $10 fee for each withdrawal in excess of six per calendar month
You are in Control
Premier Money Market accounts offer flexibility in how you access funds. In fact, you can make deposits, Write Checks, make withdrawals, and transfer funds into your checking account, so you’re free to use your money in a pinch without any major effort at all!
Whatever purpose you have for your money — whether saving or spending — a money market savings account is an ideal place to keep your funds.
High-Interest Rates
Money market savings accounts offer a rate of return that surpasses your typical savings account. In most cases, the more money you keep in your account, the higher your interest rate is. This is especially beneficial in a rising-rate environment when rates are expected to increase — giving your money the best chance to grow!
Our Premier Money Market Account takes this concept to the next level with a tiered system designed to reward your commitment to saving.
Here’s a breakdown of the four tiers:
Minimum Balance |
Rate |
APY |
| $50,000-$74,999 | 3.50% | 3.56% |
| $75,000-$99,999 | 3.75% | 3.82% |
| $100,000 + | 4.00% | 4.07% |
Security
Funds in your Money Market account are insured by the NCUA up to $250,000. This means you can keep a large sum of money in your account without the risk of losing it to a market crash or a poor choice of investment. It’s a great opportunity to start saving with confidence!
Banking With A Purpose
AGCU shares your values and faith. We provide individuals, ministries, and businesses with the financial tools and knowledge they need to grow and thrive financially so they can transform our world through their generosity.
The money you deposit in AGCU helps churches grow, ministries expand, businesses succeed, and individuals thrive. Whether it’s constructing or remodeling a new church building or funding a home loan, your money is working in the Assemblies of God community.
How to Get Started
Click below to open a Premier Money Market Account or become a member of AGCU!
Speak face-to-face with an AGCU Video Banking Representative from anywhere.
Give it a try today! Video Banking Hours (CST): Mon – Fri: 9:00 a.m.- 5:00 p.m.
Apply through online application.
Do you have questions regarding becoming a member or opening an account? Call (417) 831-4398 or fill out our contact form and we will contact you!
APY=Annual Percentage Yield. APR= Annual Percentage Rate. Offer effective 9/25/23. Up to 6 withdrawals with no fees per calendar month, $10 fee for each withdrawal in excess of six per month. Rate may change at any time. The minimum balance required to open this account is $50,000.00. Minimum average daily balance of $50,000. If, during any month, your average daily balance is below the required minimum, your account will be subject to a minimum balance fee of $10.00 monthly. You must maintain a minimum average daily balance of $50,000.00 in your account to obtain the disclosed annual percentage yield.
Your Membership Matters
12 Days of Impact
At the Assemblies of God Credit Union, your membership actively supports ministry, education, and humanitarian causes. It’s more than just banking; it’s a faith-driven financial partnership we call Banking With A Purpose.
In the spirit of the holidays, let’s celebrate “12 Days of Impact” as we reflect on the incredible contributions your membership at AGCU makes to these and many more initiatives. Your membership truly matters, creating ripples of positive change that resonate far beyond the realms of traditional banking. As we step into the new year, let’s continue to make a difference together.
Convoy of Hope
A humanitarian, faith-based organization on a mission to feed the hungry and bring help and hope to communities in need. Through Disaster Services, Community Events, Agriculture, Women’s Empowerment, and Rural Initiatives, Convoy of Hope impacts lives globally, offering a helping hand where it’s needed the most.
Learn more about Convoy of Hope
AG World Missions
Assemblies of God World Missions (AGWM) finds strength in your commitment to global missions. Your membership supports AGWM in reaching, planting, training, and serving worldwide. Together, we’ve seen countless lives transformed and churches planted, fulfilling the core values of the AG Fellowship. Every 54 seconds, someone comes to Christ, a testament to the impact your faith has globally.
Learn more about Assemblies of God World Missions (AGWM)
AG U.S. Missions
Your commitment to AGCU extends beyond borders, reaching communities within the United States through AG U.S. Missions. By supporting windows like Adult and Teen Challenge, Chaplaincy Ministries, and Intercultural Ministries, your membership becomes a beacon of hope, providing resources and encouragement where it’s needed most.
Learn more about Assemblies of God U.S. Missions
Education: Nurturing Minds, Building Futures
Through AGCU, you’ve empowered educational initiatives, contributing to dozens of colleges, universities, public schools, and private Christian education. Your commitment to scholarship programs, educational materials, and financial education reflects a dedication to nurturing minds and shaping future leaders.
Project Rescue
Your membership takes a stand against human trafficking through support for Project Rescue. This multinational network fights to restore hope to survivors, and your involvement makes a significant impact in the ongoing battle against this global scourge.
Learn more about Project Rescue
YiPoA – Youth in Pursuit of Awakening
Your commitment to the Youth in Pursuit of Awakening (YiPoA) movement is a testament to your dedication to raising a generation that loves Jesus and lives out the gospel. Through events and programs, you’re actively participating in shaping future leaders who will impact the Kingdom.
Learn more about Youth in Pursuit of Awakening (YiPoA)
Fellowship of Christian Athletes
With your membership, Fellowship of Christian Athletes (FCA) has the power to use the platform of sport to reach coaches and athletes with the transforming power of Jesus Christ. Your commitment to integrity, serving, teamwork, and excellence resonates through FCA’s mission to lead every coach and athlete into a growing relationship with Jesus Christ.
Learn more about Fellowship of Christian Athletes (FCA)
REVFresh
Your benevolence through REVFresh refreshes ministry leaders, addressing personal needs and encouraging generous living. Your partnership supports a culture of support and care, reflecting the values of integrity, accountability, responsibility, and dedication.
Learn more about REVFresh
Springfield Giants
Your support of Springfield Giants Inc. signifies your commitment to character development through competition. The attributes of a Giant—character, accountability, responsibility, and dedication—are instilled in the youth, shaping them into confident future leaders.
Learn more about Springfield Giants
Simply Loved Orphan Care
Through Simply Loved Orphan Care, your membership contributes to projects and funding for orphanages in Eastern Europe. Your support ensures better care and preparation for life after the orphanage, reflecting your commitment to making a difference in the lives of these children.
Learn more about Simply Loved Orphan Care
Light The Way Ministry
Your membership supports Light The Way Ministry, spreading the light and hope of Jesus Christ beyond the church walls. Through gatherings, events, and year-round efforts, your involvement becomes a source of transformation, bringing healings, deliverances, baptisms, salvations, and breakthroughs.
Learn more about Light The Way Ministry
The Young Entrepreneurs Showcase
Your commitment to the Young Entrepreneurs Showcase provides a platform for young people to showcase their talents and entrepreneurial spirit. Through your support, you’re actively nurturing young minds and fostering a culture of innovation.
Learn more about Young Entrepreneurs Showcase
Banking With A Purpose
Much more than a catchphrase, our tagline is our passion, our reason why we do what we do. This is the impact of your membership with AGCU. Learn More About Banking with a Purpose
Loyalty CD
AGCU Loyalty CD
Your Rates Deserve A Raise!
AGCU’s Loyalty CD offers members a great opportunity to earn high-interest rates! As a member, the longer you have been with AGCU, the higher your interest rate will be.
Member Length |
Minimum Deposit |
Term |
*APR |
*APY |
| 0-9 Years | $2,500.00 | 12 Months | 4.95% | 5.06% |
| 10-19 Years | $2,500.00 | 12 Months | 5.10% | 5.22% |
| 20+ Years | $2,500.00 | 12 Months | 5.35% | 5.48% |
Open an AGCU Certificate of Deposit and lock in a fixed interest rate so you can enjoy the peace of mind of a guaranteed interest rate on the money you save.
Hurry! Offer available for a limited time!
By choosing the Loyalty CD, you not only secure competitive rates but also benefit from the stability and reliability of AGCU. We’re committed to your financial well-being, and this exclusive offering is one of the ways we express our appreciation.
Your Rates Deserve a Raise! Invest in AGCU’s Loyalty CD and watch your CD earnings grow. At AGCU, we value your loyalty and strive to provide you with the best financial solutions. Start maximizing your money’s potential with our Loyalty CD today.
Take advantage of this special opportunity! Call 866-508-2428 or start a video banking call today!
APR=Annual Percentage Rate. APY=Annual Percentage Yield- effective date 5/1/23 and subject to change without notice. Minimum balance of $2,500 required. Penalty for early withdrawal will apply.
Scam Alert
Scam Alert
Scammers are using the AGCU phone numbers to make calls. The caller claims to be with AGCU and is asking for personal and confidential information. AGCU’s phone number may show up on the caller ID, but the call is actually from a scammer, not AGCU. If you receive a call and the person asks for confidential information, hang up!
NEVER give out confidential information, such as account numbers, social security numbers, mother’s maiden name, or passwords to an unsolicited caller!
If you get a phone call, email, or a text message from AGCU or your credit card company, or anyone asking you to do something, pick up the phone and call AGCU’s Member Care team. Don’t call back to the number that sent you the text!
Learn more about spotting scams
AGCU Member Care services are just a call or click away. We’re proud to serve you and our community.
Call:
417-831-4398 or 866-508-AGCU (2428)
Monday-Friday 7:30 am- 5:00 pm CT
top 5 reasons to choose AGCU
Top 5 Reasons to Choose AGCU
Choosing your financial institution is an important decision. Banking with a Purpose means your faith is always in action. Your financial choices actively support missions, ministries, and humanitarian causes. It’s more than banking; it’s a faith-driven financial partnership. Here are the top five reasons to consider banking with AGCU:
Competitive Rates on Your Deposits
AGCU doesn’t just provide loans and savings accounts; we’re the folks that want your money to grow while you sleep. If you’re all about making your money pull double duty as it works hard for you AND the Kingdom, we’re right there with you. We’ve got checking accounts that can earn you as much as 2.5% APY, Jaw-dropping CD rates, and Money Market accounts that offer both flexibility of access and high earnings.
We’re All in This Together
AGCU shares your values and is committed to serving the Assemblies of God Church. But here’s the best part: when you bank with us, you’re not just managing your money; you’re part of something bigger. We donate a 10% of our earnings, like a tithe, to support ministries, humanitarian causes, and education. You’re not just banking; you’re investing in a faith-driven mission every time you choose AGCU.
We Get You
Financial alignment is essential, right? We understand the unique culture, ministry, and dreams of the Assemblies of God community. We’re here to help you achieve your goals. We get the challenges you face and are here to support and secure your financial journey, no matter how tricky it gets.
Your Money, Your Way
AGCU’s reach goes far and wide. As a member, you’re not confined to local branches. You have access to the extensive Shared Credit Union CO-OP network of over 30,000 ATMs and 5,000+ shared branches nationwide. That means more banking options and convenience wherever you go.
A Faithful Legacy
AGCU has a rich history built on the call to serve its members. This legacy isn’t stuck in the past; it’s a living testament that will be felt for generations. We hold fast to Godly principles, ensuring that every member is part of a legacy rooted in faith and dedicated to serving the Assemblies of God community.
In a nutshell, AGCU – Assemblies of God Credit Union offers much more than just banking; it offers a faith-infused financial partnership with a purpose. It’s your money, your faith, and your values working together to create a better future for you and the world. Join us, and let’s make a difference, one deposit at a time.
Join AGCU today!
To become a member of AGCU, either start a Video Banking Call or apply through an online application.
Speak face-to-face with an AGCU Video Banking Representative from anywhere.
Give it a try today! Video Banking Hours (CST): Mon – Fri: 9:00 a.m.- 5:00 p.m.
Apply through online application.
Do you have questions regarding becoming a member or opening an account? Call (417) 831-4398 or fill out our contact form and we will contact you!
Banking With A Purpose
Much more than a catchphrase, our tagline is our passion, our reason why we do what we do. This is the impact of your membership with AGCU. Learn More About Banking with a Purpose
APY=Annual Percentage Yield
Employee Spotlight – Wade Brazeal
Employee Spotlight
Wade Brazeal
Senior Teller
Team Member Since 2021
Supportive Star
Wade’s personality is a blend of warmth, enthusiasm, and a deep commitment to helping others.
His dedication to family and faith serves as a powerful source of inspiration, and he carries this same passion into his role at AGCU. He thrives on ensuring members leave with smiles, fostering an atmosphere of camaraderie, and uplifting others with his big-hearted spirit.
Wade began his career at AGCU as a teller helping members with deposits and withdrawals and has moved into the role of Senior Teller where he has more opportunities to provide answers and encouragement for his team and help members make the most of their money.
What Does Banking With A Purpose Mean to You?
Getting to know our members and watching them leave happy and at peace with their finances.
Where do you volunteer?
I volunteer with the Junior High students at my church. I’m basically a big kid who has fun while teaching about Jesus.
Where is your favorite place to be?
Anywhere, spending time with my family.
If you could easily learn a new skill, what would it be?
I’d like to learn to speak Japanese and visit Japan
Scam Alert
Mortgage Postcard Scam Alert
If you recently closed on a mortgage and have yet to receive a postcard in the mail requesting an “immediate response” to “an important matter” regarding your loan, just wait, It’s probably coming.
This is because a long-running mortgage scam that uses publicly available information such as a mortgage closing date to target new homeowners shows no signs of abating. How do we know? We recently got a little postcard ourselves.
What are these postcards, and who is sending them?
These postcards (which come in a variety of colors) are being sent to consumers all around the country.
Please be aware that this is a scam and did not come from AGCU, or any financial institution. There is a small disclaimer in the bottom right corner indicating the sender is “not affiliated with, sponsored by, and loan information not provided by Assemblies of God Cu.” It further states that the information was provided by “LeadPros” Our research suggests this home warranty corporation is the culprit behind these postcards. The company has an “F” rating with the Better Business Bureau.
How did the postcard senders get my information?
At AGCU, we’re committed to protecting our member’s personal information. We would never send you a postcard requesting that you call us regarding your mortgage. Likewise, we do not sell or otherwise distribute it to non-affiliated third parties.
However, some information about mortgages, regardless of what lender the consumer works with, is public record. That’s how someone like this may obtain your contact information. Do note that the account number listed does not match yours; this should immediately alert you to the likelihood of this being a scam.
What if I call the number on the postcard?
We advise our members NOT to call the number listed. Calling the number may connect you with a real person, or it may connect you to automated recording prompts. Regardless, do not offer them your personal information.
What should I do if I get this postcard?
The best thing to do is disregard the postcard. Dispose of it however you would any other junk mail you receive. In addition, please contact a Member Service Representative at 417-831-4398 should you have additional questions.
If you would like to take further action, consider filing a complaint with your State’s Attorney General’s Consumer Protection Division.
