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Scam Alert

agcu2023 on November 2, 2023

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

agcu2023 on November 1, 2023

TOP 5 REASONS TO CHOOSE AGCUTop 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.

REASON 1A 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.

Start a Call Video Banking
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

Like us on Facebook!

APY=Annual Percentage Yield

Employee Spotlight – Wade Brazeal

agcu2023 on October 31, 2023

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

More Employee Spotlights

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Terry Barksdale

Scam Alert

agcu2023 on September 19, 2023

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.

Don’t Get Caught in a Debt Collection Scam

agcu2023 on September 1, 2023

Don’t Get Caught in a Debt Collection Scam

Online Scam. Emotional middle aged couple looking at laptop screen with shock, frustrated upset spouses suffering problems with computer while sitting together on couch at home, free space

If you’ve ever received a suspicious call demanding immediate payment for a debt you don’t recognize, you’re not alone. Debt collection scams are on the rise, and criminals are getting more sophisticated in how they target consumers.

Learning how to spot a debt collection scam can protect you — and your wallet — from serious financial harm. Here’s what to know, and how AGCU can help keep your finances safe.

What Is a Debt Collection Scam?

A debt collection scam happens when a fake collector pretends to be from a legitimate agency and pressures you into paying money you don’t owe. These collection scams often involve threats, urgent language, or requests for payment via unusual methods like gift cards, wire transfers, or prepaid debit cards.

Some scammers even impersonate real companies, making it harder to tell if the communication is legitimate. You may have heard of a Credit Collection Services scam, where fraudsters pose as actual agencies to sound more convincing.

Red Flags of a Collection Scam

Watch for these warning signs that a debt collection scam may be in play:

  • High-pressure tactics: Demands to pay immediately or face arrest/legal action.

  • Missing documentation: Legitimate debt collectors are required to provide a written validation notice.

  • Unfamiliar debts: If the debt doesn’t sound right, it’s worth investigating.

  • Untraceable payment methods: Asking for payment via wire transfer, prepaid card, or cryptocurrency is a red flag.

  • Refusal to give details: Real collectors will identify their company and provide contact information.

How to Protect Yourself from Debt Collection Scams

If you’re contacted by someone claiming you owe a debt, follow these steps before sending any money:

  1. Ask for written validation of the debt. Legit collectors must send this by law.

  2. Verify the debt by checking your records and contacting your original creditor.

  3. Don’t give personal info (like your SSN or banking info) unless you’re 100% sure the collector is legitimate.

  4. Report suspicious activity to the FTC at reportfraud.ftc.gov.

Still unsure? AGCU members can always contact us for help verifying suspicious financial communications.

What to Do If You’ve Been Scammed

If you believe you’ve fallen victim to a credit collection services scam or any kind of debt collection scam, don’t panic — act fast:

  • File a report with the FTC and your state attorney general.

  • Place a fraud alert on your credit report through one of the major credit bureaus.

  • Monitor your accounts for unauthorized activity.

  • Contact AGCU so we can help protect your accounts and walk you through next steps.

Stay Vigilant with AGCU

At AGCU, your financial safety is our priority. We provide fraud protection tools, secure account access, and friendly support when you need help. Whether you’re dealing with collection scams or just want to know how to spot a suspicious email or call, our team is here for you.

Pro tip: Keep your contact information up to date with AGCU so we can reach you quickly if there’s an issue with your account.

Final Thought: When in Doubt, Reach Out

Scammers are smart, but you’re smarter. Knowing the signs of debt collection scams — and taking steps to verify any contact you receive — can save you from costly mistakes.

If you ever feel unsure, reach out to AGCU. We’re happy to review the situation and help you sort fact from fraud.

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

More articles

Like us on Facebook!

Terry Barksdale

agcu2023 on September 1, 2023

Employee Spotlight Terry Barksdale

Employee Spotlight

Terry Barksdale

Vice President Commercial Lending

Team Member Since 2021

Loves to Roam

Growing up as a Military B.R.A.T. traveling throughout the country and the world may have been the beginning of Terry’s love of exploration.

She finds beauty and wonder in every corner of the globe. However, her true joy is when she’s surrounded by family.

To her, a place is perfect when it becomes a backdrop for creating memories with her loved ones. She and her husband, Kevin, have nurtured a beautiful family, blessed with two children and three grandchildren.

In all facets of life, Terry’s journey is a testament to her spirit of exploration, her dedication to the financial realm, and her unwavering love for her family.

What Does Banking With A Purpose Mean to You?

Listening to our member’s needs and looking out for their best interests.

Where do you volunteer?

I’ve served on the Finance Committee at my church, as well as The Kitchen and
March of Dimes


What are you currently reading or binge-watching?

I like watching “The Chosen,” but I love reading, especially Bible studies.


What is the Best Advice You’ve ever received?

There are often valleys in life, But they’re temporary.

More Employee Spotlights

Employee Spotlight – Sharla

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Terry Barksdale

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Protect Yourself From Credit Card Fraud

agcu2023 on August 23, 2023

Protect Yourself From Credit Card Fraud

Protect Yourself From Credit Card Fraud

With the advent of online commerce, credit and debit card fraud has exploded. Unfortunately, credit card fraud can go unnoticed until it causes serious damage. Here, we’ve outlined what you need to know about credit and debit card fraud, how to protect yourself, and what to do when you’re targeted.

 

What is credit card fraud?

 

Credit and debit card fraud occurs when a scammer gains access to a victim’s card information and goes on to empty their accounts, commit identity theft and more.

 

Credit card fraud can be pulled off in many ways:

 

  • Card skimming involves a scammer tampering with an ATM or payment terminal. The machine reads the victim’s card information and transmits it to the scammer.
  • Brute force attacks employ an auto-dialer to access the card numbers issued within the target’s BIN. The scammer can perform infinite guesses until they land on the card’s expiration date, security code and numbers.
  • Online phishing is done through insecure links embedded in emails or online ads, or through bogus surveys, solicitations, job offers, dating profiles, and the like. The scammer uses these means to gain access to the victim’s credit or debit card information.

 

Protect yourself

 

Follow these tips to stay safe from credit and debit card fraud:

 

  • Monitor your checking and credit card accounts frequently so you can spot the first signs of fraud.
  • Sign up for alerts. Many issuers will send you texts or emails when new charges post to your account or card-not-present transactions happen.
  • Use strong, unique passwords across all your accounts.
  • Choose a card with zero liability protection so you won’t be held accountable for any fraudulent charges made on your card.
  • Shop with caution. Only shop at reputable sites and avoid clicking on pop-up ads or links in emails from unverified senders. To confirm a site’s security, look for the padlock icon and the “s” after the “http” in the URL. Avoid storing your credit card info in online shopping accounts. Finally, make sure the security settings on your devices are current.

 

If you’re targeted

 

If you believe your card has been frauded, take immediate steps to mitigate damage. First, let the credit card company know about the fraud.

Report fraud or lost/stolen cards

To report fraud on your card or if it has been lost or stolen, please call 1-800-558-3424. Representatives are available 24 hours a day, 365 days a year. (For missionaries who are unable to call 800 numbers, please call collect 1-701-461-0125.)

Travel Notice

In a continuing effort to prevent fraud, transactions that fall outside of your normal spending patterns could cause disruption of service. If you are going to be traveling and would like to place a travel note on your account, please call 1-800-558-3424. In order to place the alert, you will need to have your credit card in hand to verify important information. (For missionaries who are unable to call 800 numbers, please call collect 1-701-461-0125.)

Similarly, if your debit card has been frauded, let AGCU know as soon as possible.

STEP 1:

Call the number below that applies to you.
Stateside (in the U.S.) Monday-Friday 8 a.m. – 5 p.m. : 1-833-933-1681
or during business hours call AGCU 866-508-2428

After Hours: 855-961-1602 and speak with Fraud Detection.

International: 1-812-647-9794

STEP 2:

ALWAYS call AGCU for a replacement card after reporting a lost or stolen card and speak with a Member Care Representative. Do not depend on email; speak to a person!

Your old card will be canceled, and you’ll be issued a replacement card immediately. You may also want to place a credit freeze on your accounts to prevent the scammer from taking out a loan or opening another account in your name.

EMAIL SOLICITATION

AGCU will never solicit you for information relating to your account in an email or over the phone.

The NCUA (National Credit Union Administration) does not have any personal information on our membership. Email posing to be from the NCUA is false and an attempt to obtain your personal financial information.

If you have moved, we may contact you to verify your current address.

If you are suspicious of an email appearing to be from AGCU, please call us to verify its validity.

 

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

More articles

Like us on Facebook!

Beware of Job Scams

agcu2023 on August 18, 2023

Financial Self-Defense: Don’t Get Caught In A Job Scam

Bogus work opportunities can seem like a dream come true until your identity is stolen, your accounts are emptied and/or you’re asked to cash a check and then mail back most of it to the “company” due to accidental overpayment.

 

Don't Get Caught in a Job Scam!

It’s an amazing employment opportunity–or is it? Scammers often hijack the job market to ensnare job seekers. Here’s what to know about these scams.

How the scams play out

There are several variations of job scams. Here are the most common:

  • Bogus job listing. There’s a Help Wanted ad for a dream job. The eager job-seeker applies, sharing their information,and even paying a small fee for an interview or resume submission. Unfortunately, the job doesn’t exist and they’ll never hear from the “employer” again.
  • Imposter hiring. An alleged rep from a well-known agency or hiring firm reaches out to a target, asking them to send funds to cover a job screening. While the job may exist, the “representative” is a scammer, and the money the victim shares will go directly into the scammer’s pocket.
  • Phishing emails. In this scam, a victim is targeted by email. It offers the victim a fantastic job, but asks that they first share confidential info. If the victim complies, they’ll be giving their personal information to a scammer.

 
How to spot a job scam

Learning to identify the signs of a job scam can help you avoid them. Here are some red flags to watch for when job-hunting:

  • The emails the “company” sends are highly unprofessional.
  • There’s no street address for the company.
  • You’re asked to pay an upfront fee before you’re even hired.
  • You’re asked to share personal information before an official contract is signed.
  • When “hired,” you’re underworked and overpaid.

Before applying to or accepting a job offer, do thorough research. Ask for references of past or current employees and check out the company website to see if it’s secure and has real information about the firm, including a street address. Check out the company’s social media accounts, too. Finally, don’t be afraid to ask the employer any questions you may have about the company or job.

Job-hunting can be stressful, but getting caught in a job scam can bring that stress to a whole new level. Stay alert and stay safe by following the tips outlined here.

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

More articles

Like us on Facebook!

Employee Spotlight – Zandra Nelson

agcu2023 on August 1, 2023

Employee Spotlight Zandra Nelson

Employee Spotlight

Zandra Nelson

Consumer Loan Underwriter

With AGCU 35 Years

Relax with a Book

Zandra spent most of her life in Springfield and finds joy in reading, with a particular passion for mysteries and detective novels.

Her family is her pride and inspiration, and she delights in sharing stories of her daughter and two stepchildren, as they carve out happy lives.

Zandra relishes the peaceful moments with a book, her loving husband and their feline companion, Missy.

Zandra started as a teller, and has served in various departments during her career, but especially enjoys the loan department. She shines at evaluating loans and advising members about ways to enhance their eligibility. Her unwavering commitment has made her an invaluable asset to AGCU and our members.

What Does Banking With A Purpose Mean to You?

Accurate and up to the minute account information from employees who really care about members.

What’s the next place on your travel “Bucket-List”?

An island vacation in the Caribbean on Turks and Caicos


How do you define “Success”?

Doing something that makes you happy


Favorite Place

I love being at the lake and watching the water. It’s so calming.

More Employee Spotlights

Employee Spotlight – Farrah Hill

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Employee Spotlight – Wade Brazeal

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What is a CD And How Do They Work?

agcu2023 on July 11, 2023

What Is a Certificate of Deposit And How Do They Work?

What is a CD And How Do They Work?

With so many financial products available, choosing which type of account to open can be just as stressful as deciding where to open one. For consumers looking for earnings on their savings, one of the options that AGCU offers is share certificates. Here’s a brief overview of how they work and some of their advantages and disadvantages.

Jump To:

A certificate of deposit (CD) is a low-risk savings tool that can boost the amount you earn in interest while keeping your money invested in a relatively safe way.

Like savings accounts, CDs are considered low risk because they are FDIC-insured up to $250,000. However, CDs generally allow your savings to grow at a faster rate than they would in a savings account.

How CDs Work

In exchange for depositing your money into a bank for a fixed period (usually called the term or duration), the bank pays a fixed interest rate that’s typically higher than the rates offered on savings accounts. When the term is up (or when the CD matures), you get back the money you deposited (the principal) plus any interest that has accrued.

If you need to access your funds before the CD’s term ends, you are subject to an early withdrawal penalty, which can significantly reduce the interest you earned on the CD.

Tip: Before opening a CD, make sure you have an emergency fund—a comfortable amount of savings in an easily accessible account, such as a savings account.

How Terms, Minimum Balances and Rates Interact

CDs come in varying terms and may require different minimum balances. The rate you earn typically varies by the term and how much money is in the account. In general, the longer the term and the more money you deposit, the higher the rate you are offered. (A longer term does not necessarily require a larger minimum balance.)

Compounding interest: Interest Rate vs. APY

Like savings accounts, CDs earn compound interest—meaning that periodically, the interest you earn is added to your principal. Then that new total amount earns interest of its own, and so on.

Because of the compound interest, it is important to understand the difference between interest rate and annual percentage yield (APY). The interest rate represents the fixed interest rate you receive, while APY refers to the amount you earn in one year, taking compound interest into account.

Choosing the Right CD For You

There are a number of factors to consider when choosing a CD. First, when do you need the money? If you need it soon, consider a CD with a shorter term. But if you’re saving for something five years down the line, a CD with a longer term and higher rate may be more beneficial. Check CD Rates Here

Also, consider the economic environment. If it seems that interest rates may rise, or if you want to open multiple CDs, CD laddering can be a good option.

Building a CD Ladder

Overall interest rates may change during your CD’s term. If rates rise, you miss out on earning those higher rates, since your money is committed for the CD’s term. However, if rates go down, you benefit: You still earn the higher rate that was offered when you opened the CD. CD laddering, buying multiple CDs of varying term lengths, can help address this concern.

It can also be a way for you to take advantage of longer terms (and therefore higher interest rates) while still giving you access to some of your money each year.

With a CD ladder, you divide your initial investment into equal parts and invest each portion in a CD that matures every year. For example, say Leo has $10,000. To build a CD ladder, he invests $2,000 each in a 1-year, 2-year, 3-year, 4-year and 5-year CD. As each CD matures, he reinvests the money at the current interest rate or uses the cash for another purpose. If Leo reinvests his money, he might choose a new 5-year CD, which would ensure he has one CD maturing each year as long as he continues laddering.

How a CD Ladder works. When your CD matures, reinvest your initial deposit plus dividends into a new 5-year CD

Combining CDs With Other Accounts

Be sure to consider other options for saving or investing your funds. Diverse accounts offer different levels of risk and return.  Learn about AGCU CD Rates and get started today!

Call 866-508-2428 or start a video banking call today!

Start a Call Video Banking