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What is a HELOC?

Melanie Tarrant on April 30, 2025

Home Equity Loan vs. HELOC: What’s the Difference?

Home Equity Loan vs. HELOC: What’s the Difference?
One of the biggest perks of homeownership is the ability to build equity over time. You can use that equity to secure low-cost funds in the form of a second mortgage—either a one-time loan or a home equity line of credit (HELOC).

Home equity loans and HELOCs use the equity in your home—that is, the difference between your home’s value and your mortgage balance—as collateral. As the loans are secured against the equity value of your home, home equity loans offer extremely competitive interest rates—usually close to those of first mortgages. Compared with unsecured borrowing sources, such as credit cards, you’ll be paying less in financing fees for the same loan amount.

Home Equity Loans

A home equity loan, or second mortgage,  comes as a lump sum of cash. It’s an option if you need the money for a one-time expense, such as a wedding or a kitchen renovation. These loans usually offer fixed rates, so you know precisely what your monthly payments will be when you take one out. Learn about Second Mortgages here.

We offer a fixed rate option on our second mortgages with a maximum term of fifteen (15) years.
Several advantages of working with us on your loan:

  • Low closing cost
  • No pre-payment penalty
  • Retained servicing (excludes 30 year fixed)
  • Variety of payment options
  • Cash-out refinances on specific mortgage plans

A HELOC Is…

A HELOC is a line of credit that revolves – similar to a credit card – and can be used for large expenses, unexpected expenses, home remodeling, debt consolidation(1) or the like. Like a credit card, each time you repay some or all of the money used from the HELOC, your credit line is correspondingly replenished.

A HELOC is a secured loan in that you are borrowing against the equity that has been built in your house. Typically, lenders will let you borrow from 80 to 95 percent of your home’s equity.

When you obtain a HELOC, you are given a draw period, or length of time during which your line of credit will stay open. Draw times typically average 10 years. After the draw period is over, you enter into the repayment period, which for qualified members, we offer a great rate with a maximum term of fifteen (15) years.

AGCU offers HELOC’s in the following Missouri counties: Greene, Dade, Polk, Dallas, Webster, Christian, Stone, Lawrence, and Taney.

A HELOC Works by…

Borrowers can apply for HELOCs through AGCU’s Home Loan Center. The lender will assess the borrower’s home LTV (loan-to-value) ratio, as well as their income, credit score and other debt. Like a home loan, HELOCs – once approved – include closing costs.  A Mortgage and HELOC document checklist is available here.

HELOCs typically have a variable rate which, in large part, will be based on the current prime rate. This means that when rates rise – as they have been lately – the rate on a HELOC will rise accordingly. Even so, the rate on a HELOC is usually lower than credit card rates.

Once the HELOC has been approved, the borrower begins the draw period. During this time, any money borrowed from the line of credit is repaid each month by interest-only payments, which may mean a lower monthly payment. When the draw period is over, the borrower moves to the repayment period, during which time the monthly payment begins to include principal plus interest for any money borrowed, meaning the monthly payment may increase.

The Phases of HELOCs

Most home equity credit lines have two phases. First, a draw period, often 10 years, during which you can access your available credit as you choose. Typically, HELOC contracts only require small, interest-only payments during the draw period, though you may have the option to pay extra and have it go toward the principal.

After the draw period ends, you can sometimes ask for an extension. Otherwise, the loan enters the repayment phase. From here on out, you can no longer access additional funds, and you make regular principal-plus-interest payments until the balance disappears. Most lenders have a 20-year repayment period after a 10-year draw period. During the repayment period, you must repay all the money you’ve borrowed, plus interest at a contracted rate. Some lenders may offer borrowers different types of repayment options for the repayment period.

AGCU Home Loan Center

Every borrower is different, and we offer a variety of products to meet your requirements. We make the mortgage process simple and straightforward by offering the latest in financial tools that enable you to make sound financial choices. Whatever your real estate lending needs are, AGCU is here to help you navigate the process. Call our team of mortgage professionals at 866-508-2428(AGCU) or email us for more information.

KEY TAKEAWAYS

  • Home equity can be a great source of value for homeowners to access cash for renovations, large purchases, or alternative debt repayment.
  • Home equity loans and lines of credit are secured against the value of your home equity, so lenders may be willing to offer rates that are lower than they do for most other types of personal loans.
  • A home equity loan comes as a lump sum of cash, often with a fixed interest rate.
  • A home equity line of credit is a revolving source of funds, much like a credit card, that you can access as you choose.
  • Learn more about Home Equity Loans or Lines of Credit 

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.
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5 Reasons to Get Preapproved for a Mortgage

Melanie Tarrant on April 21, 2025

If you’re thinking about buying a home, getting preapproved for a mortgage might not sound like the most exciting part of the journey—but it’s one of the smartest moves you can make. Whether you’re a first-time buyer or a seasoned homeowner, a mortgage preapproval gives you clarity, confidence, and a competitive edge in today’s housing market. Visit our Home Loan Center to Apply Now!

Here are five compelling reasons why getting preapproved should be your first step:

5 Smart Reasons to Get Preapproved for a Mortgage

1. Know Exactly What You Can Afford

A preapproval helps you determine how much house you can comfortably afford based on your income, credit, and financial situation. Instead of guessing or relying on online calculators, you’ll get a realistic price range to focus your search and avoid falling in love with a home that’s out of reach.

2. Boost Your Bargaining Power

In a competitive market, preapproval gives you a serious advantage. Sellers and real estate agents are far more likely to consider an offer from a buyer who already has financing lined up. It shows you’re prepared, committed, and financially capable—which can make your offer stand out in a sea of hopeful buyers.

3. Speed Up the Homebuying Process

When you’re preapproved, much of the paperwork is already taken care of. That means once your offer is accepted, you can move faster through the mortgage process. In a hot market, every day counts—and preapproval can save you valuable time.

4. Avoid Surprises Later

A preapproval includes a full review of your credit report, income, and financial situation. That means you’ll uncover any potential red flags early—before they can slow down your loan approval or derail your homebuying plans. It’s a proactive way to prevent unexpected bumps in the road.

5. Shop with Confidence

Knowing your preapproved amount brings peace of mind. You can house-hunt with purpose, avoid unnecessary stress, and make decisions with confidence. Plus, it’s an empowering step that shows you’re ready to move forward when you find the right home.

Ready to Get Started?

At AGCU, we make the preapproval process simple, secure, and stress-free. Our mortgage team is here to walk you through every step. Click Here to start your preapproval today and take the first step toward finding your dream home:

Download our FREE Mortgage Checklist

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

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AGCU Names Peter Shiner as New President & CEO

Melanie Tarrant on April 7, 2025

Springfield, Mo – April 7, 2025– The Assemblies of God Credit Union (AGCU) is pleased to announce the appointment of Peter Shiner as its new President and Chief Executive Officer. With over 15 years of leadership experience in federally insured credit unions and community banks, Shiner brings a strong background in strategic financial management, regulatory compliance, and capital markets expertise.

Shiner joined AGCU as Senior Vice President and Chief Risk Officer. His leadership has played a crucial role in strengthening AGCU’s positioning for long-term growth.

“I am honored to serve as AGCU’s next President and CEO,” said Shiner. “and I look forward to building a high-performing team that understands the power of relationships and values our members’ trust. Together, we will continue to expand our services, embrace new opportunities, and remain a faith-driven financial partner for our members.”

Peter and his wife, Whitney, along with their three young children, are excited to make Springfield their home. They look forward to becoming part of the community and embracing AGCU’s mission of serving members with integrity and care.

Prior to AGCU, Shiner held leadership positions at Performance Trust Capital Partners, First Entertainment Credit Union, and Academy Securities, where he advised executive teams and boards on risk management, investment strategies, and institutional growth. He has overseen multi-billion-dollar loan and fixed-income portfolios, executed over $6.5 billion in asset allocation strategies, and played a pivotal role in enhancing financial institutions’ balance sheet flexibility and growth.

“We are excited to welcome Peter Shiner as our new President and CEO,” said Bill Perkin, treasurer of the AGCU board of directors. “His strategic vision, deep financial expertise, and commitment to faith-based financial services make him the ideal leader to guide AGCU into the future. We look forward to his leadership as we continue to grow and serve our members with excellence.”

Shiner holds an MBA from Azusa Pacific University and a BA from Wheaton College. A former NCAA baseball athlete and Eagle Scout, he brings a disciplined, results-driven approach to leadership.

As CEO, Shiner will focus on expanding AGCU’s financial services, strengthening member engagement, and ensuring the credit union remains a trusted partner for churches, ministries, and individuals seeking financial solutions aligned with their values. 

For more information, visit www.agcu.org.

What is Banking With a Purpose?
Banking with a Purpose at AGCU goes beyond traditional financial services. It is about connecting your faith, family, and finances. Our mission is to improve the lives of our members by providing financial solutions for individuals, ministries, and businesses related to the Assemblies of God fellowship.

Our commitment includes giving back to the community. Each year, we tithe 10% of our annual earnings to support various initiatives, ranging from church planting, ministries and humanitarian projects to educational advancements and scholarships. Join us at AGCU and see how Banking with a Purpose can make a difference in your life and community.

Honoring Bruce Webb’s Leadership & Legacy at AGCU

Melanie Tarrant on April 2, 2025

After a decade of dedicated leadership, Bruce Webb is retiring as President & CEO of Assemblies of God Credit Union (AGCU) in Springfield, MO, Friday, April 4, 2025. His impact on our credit union and its mission has been profound.

Bruce joined AGCU in 2015, bringing 30 years of banking experience from Michigan and Minnesota, along with 40 years of involvement in the Assemblies of God fellowship. Upon arriving, he redefined AGCU’s vision: “To be the most relevant faith-based credit union in the world.” Over the past ten years, AGCU has lived out this vision, serving more than 18,000 members—including over 2,300 missionaries in 190 countries—while remaining deeply connected to the Assemblies of God fellowship.

“Bruce Webb’s leadership over the past decade has transformed AGCU, driving growth, innovation, and a stronger commitment to faith-based financial stewardship,” said Bill Perkin, treasurer, AGCU board of directors. “His vision and dedication have modernized our services and expanded our impact, leaving a lasting legacy. We are deeply grateful for his leadership and the foundation he has built for AGCU’s future.”

Under Bruce’s leadership, AGCU has reached remarkable milestones:

Growth & Expansion

  • Tripled in size, becoming the largest credit union in the greater Springfield, MO area
  • Ranked among the Top Five largest faith-based credit unions in the country
  • Named Missouri’s fastest-growing credit union in 2022 and ranked in the Top 1% of fastest-growing credit unions nationwide
  • Expanded membership eligibility from five states to all 50 states for Assemblies of God church adherents
  • Achieved an average 6% annual membership growth

Financial Strength

  • Recognized as one of the Top 100 Best Performing U.S. Credit Unions of 2022 by S&P Global Market Intelligence
  • Increased total deposits by 155% and loan balances by 245%
  • Grew revenue by 223%, capital by 125%, and net income by 373%

Community Impact & Mission Advancement

  • Donated over $2.5 million to education, ministry, and humanitarian causes
  • Became the second-largest PPP loan originator among Missouri credit unions (2020-2021)
  • Mortgage lending team ranked among the Top 10 in Springfield, MO
  • Expanded commercial, business, and church lending from $10 million to over $110 million

Innovation & Modernization

  • Introduced Video Banking, allowing members to connect via mobile, computer, or in-branch
  • Completed a full rebrand, including a new logo, bold new colors, and a refreshed tagline to reflect our mission and to strengthen our brand
  • Renovated all AGCU buildings, enhancing both exterior and interior spaces
  • Completed a banking software upgrade that added convenience and security for mobile and online users

Bruce’s vision and leadership have left an enduring legacy, ensuring a strong foundation for AGCU’s future. While he and his wife, Kimberley, will remain in Springfield, they look forward to spending more time with family—especially their four grandsons in southern Michigan.

Please join us in thanking Bruce for his years of service and leadership. We are deeply grateful for his impact on AGCU and the communities we serve.

With gratitude,
The AGCU Family

Budgeting Basics: Take Control of Your Money (and Your Future)

Melanie Tarrant on March 31, 2025

Budgeting doesn’t have to be overwhelming. Whether you’re just starting college, entering the workforce, or navigating life on your own, learning how to manage your money is key to financial success. In this guide, we’ll walk you through budgeting basics, practical money tips for young adults, and how AGCU’s financial tools—like high-yield checking, savings accounts, and digital banking—can help you stay on track.

7 Tips For Avoiding Common Money Mistakes – And Fixing Them With AGCU

Melanie Tarrant on March 27, 2025

Managing your money doesn’t come with an instruction manual — and even the most financially responsible people make a few missteps. The good news? Most common money mistakes are easy to fix with a little awareness, a solid plan, and the right financial tools.

Here are some of the most common pitfalls — and how to avoid them using AGCU’s services to build a stronger financial future

Avoiding Common Money Mistakes

1. Ignoring Your Financial Situation

The Problem:
It’s easy to coast through daily life without knowing how much money is in your account, how much debt you owe, or even what your credit score is. But ignoring your finances can lead to overdrafts, missed payments, and a lack of savings when you need it most.

The Fix:
Take time to regularly check your balances, track spending, and monitor your progress toward financial goals. Budgeting apps, online banking tools, and simple spreadsheets can help you stay organized.

AGCU Solution:
Use Online & Mobile Banking to track your accounts anytime, anywhere. And make your money work harder with a FREE Loyalty Plus High Yield Checking Account — you’ll earn competitive interest just by managing your money well.

2. Not Having Clear Financial Goals

The Problem:
Without goals, it’s easy to spend impulsively and wonder where your money went. A lack of direction can lead to missed opportunities and little progress toward long-term dreams.

The Fix:
Set short-term and long-term goals — like building an emergency fund, saving for a home, or preparing for retirement. Goals help you focus your spending and stay motivated.

AGCU Solution:
Open a Savings Account to get started, or Money Market Account for higher returns and easy access to your funds. Planning for retirement? Consider an IRA to help your savings grow tax-advantaged over time.

3. Failing to Communicate About Money

The Problem:
Many couples or families avoid talking about money to prevent conflict — but this often leads to confusion, mismatched priorities, and financial stress.

The Fix:
Set time aside for open, honest money conversations. Align on spending habits, savings goals, and shared responsibilities to build trust and teamwork.

AGCU Solution:
Use Shared Accounts to make managing household finances easier, and explore tools like online bill pay and alerts to stay in sync and avoid surprises. All of these are included for FREE with AGCU Online and Mobile Banking

4. Not Planning for Medical Expenses

The Problem:
Medical costs can pop up unexpectedly, and without a plan in place, they can derail your budget or lead to debt.

The Fix:
Start saving ahead for future health-related needs. A dedicated account helps ensure you’re financially prepared for out-of-pocket expenses.

AGCU Solution:
Open a Health Savings Account (HSA) to save pre-tax dollars for qualified medical expenses. Funds roll over year to year, and you stay in control of how and when they’re used.

5. Letting Savings Sit Idle

The Problem:
Many people leave money in basic accounts that don’t earn much interest — which means you’re missing out on potential growth.

The Fix:
Reevaluate where you’re storing your savings. Even small improvements in your interest rate can add up over time.

AGCU Solution:
Upgrade your savings strategy with a FREE Loyalty Plus High Yield Checking Account or Money Market Account. These options offer higher returns while keeping your money accessible. or, If you won’t need immediate access to funds, consider a CD for more competitive rates

6. Not Building an Emergency Fund

The Problem:
Life is unpredictable — and without an emergency fund, even a small surprise expense can throw off your finances or push you into debt.

The Fix:
Aim to save at least a few months’ worth of expenses. Set up automatic transfers to make saving consistent and painless.

AGCU Solution:
Start with an AGCU Savings Account, and set up recurring transfers from your checking account to grow your cushion over time.

7. Relying Too Much on Credit

The Problem:
It’s easy to fall into the habit of swiping now and worrying later. High-interest credit card debt can build quickly and make it harder to save.

The Fix:
Use credit responsibly, and focus on paying down high-interest balances first. Be mindful of your credit utilization to protect your credit score.

AGCU Solution:
AGCU offers low-rate credit cards and personal loans to help you manage or consolidate debt. Use these tools to regain control and reduce interest costs.

Start Smart, Stay Strong

Avoiding these common money mistakes can help you build financial stability and confidence. Whether you’re just starting your savings journey or optimizing your current strategy, AGCU offers tools to help you succeed every step of the way — from checking and savings accounts, to IRAs, Health Savings Accounts, credit cards, and more.

💡 Ready to take control of your financial future? Learn more about Banking with a Purpose and open an account today.

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

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Board of Directors Application

Melanie Tarrant on March 13, 2025

Board of Directors Application

Would you like to be more involved with your credit union? Do you have a strong desire to help AGCU continue to succeed and grow? If this sounds like you, we encourage you to apply for a position on the AGCU Board of Directors!

AGCU Board of Directors Application

Each member of the Board of Directors is elected by the membership to serve a three-year term. These are unpaid volunteer positions. There are Two 3-year term positions up for election this year.

Applicants must be a member in good standing and at least 18 years of age. Board members are required to attend the monthly board meetings in Springfield, Missouri.

Submission instructions:

Please sign and email your completed application to: nominations@agcu.org

(If you choose, you may also include your resume with your completed application.)

Questions? Email Janelle Carlton, Executive Assistant:

Application Deadline: Wednesday, April 9, 2025

Click here to download the application

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

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Is My Tax Refund Too Large?

Melanie Tarrant on March 12, 2025

Tax season is here, and if you’re expecting a big refund, you might be feeling like you hit the jackpot! But before you start planning how to spend that extra cash, it’s important to ask: Is my tax refund too big? Let’s break down what it means when you receive a large refund, why it may not be in your best interest, and what steps you can take to better manage your money throughout the year.

Unlocking the Power of Compound Interest: How to Make Your Money Work for You

Melanie Tarrant on February 21, 2025

If you’ve ever heard the phrase “make your money work for you” and wondered what it means, the answer is simple: compound interest. It might sound like something out of a finance textbook, but in reality, it’s one of the easiest ways to build wealth over time—without doing much at all!

What Is Compound Interest?

Compound interest is like a snowball rolling down a hill. It starts small, but as it picks up more snow, it grows bigger and bigger. In financial terms, compound interest is when you earn interest on both your original money (principal) and the interest that has already been added to it. Over time, this “interest on interest” effect helps your money grow exponentially.

Let’s break it down:

  • If you deposit $1,000 in a high-yield savings account with an annual interest rate of 5%, you’ll earn $50 in interest after one year.
  • In the second year, you’ll earn interest not just on the original $1,000 but also on the $50 you earned in year one—so you’ll make $52.50 instead.
  • This cycle continues, and over time, the growth becomes much more significant than simple interest, which only earns money on the initial amount.

Why Should Young Adults Care?

The key to maximizing compound interest is time. The earlier you start, the more time your money has to grow. Even small amounts saved consistently can turn into a substantial sum.

For example, if you start saving in your 20s instead of your 40s, you could end up with double or even triple the amount of money in retirement—all because of compound interest!

Where Can You Take Advantage of Compound Interest?

The best part? You don’t need to be an investing expert to benefit from compound interest. Here are some safe and secure banking products that help grow your money:

💰 High-Yield Loyalty Plus Checking

Unlike regular savings accounts, High-Yield Loyalty Plus Checking accounts offer better interest rates, meaning your money grows faster. Look for options with no fees so you don’t lose any of your earnings.

📈 Certificates of Deposit (CDs)

CDs offer guaranteed returns by locking in your money at a fixed interest rate for a set period (like 6 months, 1 year, or 5 years). And thanks to compound interest, your earnings will keep stacking up.

📊 Money Market Accounts

These accounts often provide higher interest rates than standard savings accounts while still allowing you to access your money when needed. They’re a great choice if you want a mix of growth and flexibility.

Start Small, Think Big

Even if you only have $20 or $50 to set aside each month, it’s worth it! The more you contribute, the more you take advantage of the magic of compounding. So, why wait? The sooner you start, the bigger your financial future can be.

AGCU is committed to helping you build a strong financial future with secure, high-yield banking options designed to maximize your savings. Whether you’re just starting out or looking to grow your nest egg, our High-Yield Loyalty Plus Checking, CDs, and Money Market Accounts provide competitive rates and the power of compound interest to help your money grow effortlessly. Plus, with easy online and mobile banking, you’re always in control. Don’t wait—open an account with AGCU today and take the first step toward financial success! and let compound interest do the heavy lifting!

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

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Understanding AGCU’s Funds Availability Policy for ATM Deposits

Melanie Tarrant on January 17, 2025

Funds Availability Policy for ATM Deposits

AGCU is committed to serving your financial needs while ensuring the safety and reliability of your funds. To better protect your account and align with industry best practices, we’re updating our Funds Availability Policy for check deposits made at ATMs.  Checks deposited at ATMs will be subject to a standard 2-business-day hold. However, Treasury and cashier’s checks will be available the next business day, per federal regulations.

We understand this policy change may raise questions, so we’ve outlined key details below to help you understand why this adjustment is necessary and how it benefits you.

What Is a Funds Availability Hold?

When you deposit a check at an ATM, the funds are credited to your account immediately; however, this does not mean they are immediately available for withdrawal or use. A funds availability hold delays access to the deposited amount until the check can be reviewed and validated.

Why Are Funds Availability Holds Necessary?

Placing a temporary hold on check deposits serves several important purposes:

  • Fraud Prevention: Holds allow us time to validate the authenticity of a check, helping to protect you from fraud or losses due to counterfeit or invalid checks.
  • Avoiding Returned Checks: If a check you deposit is returned unpaid, the amount is deducted from your account. A hold period reduces the risk of fees or negative balances caused by returned checks.
  • Mitigating Losses: This practice is a standard measure in the financial industry to ensure responsible account management and to safeguard members’ funds.

When Will My Funds Be Available?

Here’s a breakdown of our updated policy:

  • Standard Check Deposits: Funds from checks deposited at AGCU ATMs will generally be available on the second business day after the deposit.
  • Treasury and Cashier’s Checks: These deposits will be available on the next business day, in compliance with federal regulations.
  • Partial Availability: A portion of the deposit, at least $225, may be available immediately or on the first business day after the deposit.

How Can I Access My Available Balance?

To check your available balance at any time:

What If I Need Funds Sooner?

We understand that unexpected financial needs can arise. If you need access to funds before the hold period ends, please reach out to a Member Care representative. In some cases, we may be able to expedite the availability of funds.

How to Manage Funds for Better Access

Here are a few tips to help you plan deposits and access funds more efficiently:

  1. Direct Deposit: Electronic deposits are often available immediately. Consider setting up direct deposit for regular payments like paychecks or Social Security benefits.
  2. Mobile Deposit: Using AGCU’s mobile app, you can deposit checks conveniently from your phone and may see funds released faster than ATM deposits.
  3. Branch Deposits: Depositing checks in person at an AGCU branch allows for immediate processing and may provide quicker availability.
  4. Overdraft Protection: Linking a savings account or overdraft line of credit can ensure you have funds available if you need them.

AGCU is committed to providing secure, accessible, and faith-centered financial solutions. Our Funds Availability Policy ensures your deposits are handled responsibly, protecting you and your account from potential risks.

For more details about our updated policy, feel free to review your account documents or speak with an AGCU representative.

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

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Springfield, MO 65801

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