CD Laddering: How to Build a CD Ladder
Learn how CD laddering works, explore short- and long-term strategies, and see how AGCU Share Certificates can help you save with purpose.
Ministry Account Services
Melanie Tarrant
on
October 20, 2026
Learn how CD laddering works, explore short- and long-term strategies, and see how AGCU Share Certificates can help you save with purpose.
Melanie Tarrant
on
September 22, 2026

AGCU News
Experienced SBA lending professional joins AGCU as the credit union expands financing solutions and specialized support for small business owners.
SPRINGFIELD, Mo. — Assemblies of God Credit Union (AGCU) is pleased to welcome Chase Ulhorn as Vice President, Director of SBA Lending & Servicing, expanding AGCU’s ability to provide financing solutions and specialized support to small business owners.
Ulhorn brings 12 years of banking experience to AGCU and has specialized in Small Business Administration (SBA) lending since 2018, primarily in underwriting and credit. Prior to joining AGCU, he served as Vice President, Senior SBA Underwriter at Midwest BankCentre.
In his new role, Ulhorn will lead AGCU’s SBA lending and servicing efforts, helping business owners explore financing solutions for needs ranging from simple to complex.
AGCU’s expanded SBA lending services provide eligible small businesses with additional financing options for needs such as commercial real estate, equipment, business acquisitions, working capital, expansion and other qualifying business purposes.
Helping Businesses Succeed
“Business owners create jobs, opportunities and stronger communities. Seeing them succeed is incredibly rewarding, and I love being a small part of that. AGCU now has a wide range of options for business owners, and our focus will be on helping them win in every way we can.”
— Chase Ulhorn
For Ulhorn, joining AGCU was also an opportunity to combine his professional experience with a mission he personally supports.
“Joining an institution with a mission I love and support was important to me. I want to use what I do to help expand God’s Kingdom any way I can.”
— Chase Ulhorn
AGCU President and CEO Peter Shiner said Ulhorn’s addition represents an important investment in AGCU’s ability to serve business owners.
“Adding Chase to our team represents an important investment in the way AGCU serves business owners. His depth of experience in SBA lending strengthens our ability to provide knowledgeable guidance and financing solutions that help small businesses start, grow and thrive. We’re excited to welcome him to AGCU and expand the ways we can serve our members and their communities.”
— Peter Shiner, AGCU President & CEO
Ulhorn earned a bachelor’s degree in finance from Missouri State University and a diploma from the Graduate School of Banking at Colorado. He also earned a Fundamental Lender Diploma through the National Association of Government Guaranteed Lenders (NAGGL) in 2021.
Originally from Macon, Missouri, Ulhorn has called the Springfield area home since attending college. He is an active member of Christ Community Church in Springfield.
Outside of work, Ulhorn enjoys backpacking, hunting, fishing and spending time with his wife, Ali, and their four young children.
SBA Lending at AGCU
Whether you’re purchasing, building, expanding or investing in your business, AGCU’s SBA lending team can help you explore financing options for what’s next.
Assemblies of God Credit Union has been serving its members since 1951. Headquartered in Springfield, Missouri, AGCU provides personal, ministry and business banking solutions while supporting educational and humanitarian efforts, ministries and communities through its commitment to Banking with a Purpose.
Melanie Tarrant
on
September 14, 2026
Learn what a revocable trust is, how it differs from an irrevocable trust, and the potential benefits and drawbacks of each for estate planning.
Melanie Tarrant
on
September 1, 2026
Fraud & Security
Peer-to-peer payment apps make sending money fast and easy. Scammers know that too.
Think Before You Send
The faster money can move, the less time you have to realize something isn’t right.
Services like Zelle, Venmo, Cash App and PayPal can make it incredibly convenient to split a restaurant bill, reimburse a friend or send money to someone you trust.
That speed and convenience can also make P2P payments attractive to scammers. Instead of breaking into an account, a criminal may simply try to convince you to authorize the payment yourself.
Scammers use impersonation, urgency, fake purchases, account warnings and other forms of social engineering to get you to act before you have time to question what is happening.
One Rule Worth Remembering
Before you tap Send, make sure you know exactly who is receiving your money and why.
How It Happens
Imagine you’re browsing an online marketplace and finally find something you’ve been searching for. The price is great. The seller says several other people are interested.
You don’t want to lose the deal, so you send the money. Then the seller disappears.
The scam worked because the criminal created enough urgency to convince you to press Send before you had time to verify the story.
Know the Scam Before It Finds You
Swipe through the examples below, or select a number to jump directly to a scam.
SCAM 01
Someone you don’t know sends you money and then contacts you in a panic. They say they entered the wrong phone number and ask you to send the money back.
SCAM 02
A caller or text claims there is suspicious activity on your account. You may be told money was transferred, your account is about to be frozen or you need to take immediate action.
SCAM 03
Someone claims your utility, subscription or another important service is about to be disconnected unless you send money immediately through a payment app.
SCAM 04
It could be concert tickets, furniture, an apartment, a vacation rental, a puppy or almost anything being sold online. You’re told somebody else wants it too, but a quick P2P deposit will hold it for you.
SCAM 05
You’re selling something and the buyer sends a screenshot or email that appears to show payment.
Before You Send Money
Small habits can make it much harder for a scammer to rush you into a bad decision.
DO
Double-check the recipient’s name, phone number, email address and payment amount before you send anything.
DON’T
P2P apps are best used between people who know and trust one another.
DO
Urgency is one of a scammer’s favorite tools. Give yourself time to verify what you’re being told.
DON’T
Never send a payment to yourself or another person because a caller says doing so will stop fraud or secure your account.
DO
Use unique passwords, enable multifactor authentication, turn on transaction alerts and keep payment apps updated.
DON’T
Never give another person your password, PIN or one-time verification code.
DO
Open the payment app or financial account directly instead of relying on screenshots, texts or emailed receipts.
DON’T
If someone claiming to represent AGCU contacts you unexpectedly, don’t use a phone number or link they provide. Contact AGCU directly.
Frequently Asked Questions
A peer-to-peer, or P2P, payment lets you electronically send money to another person, typically using a mobile app or online service. Common P2P services include Zelle, Venmo, Cash App and PayPal.
A P2P scam occurs when a criminal uses deception, impersonation or other social engineering tactics to convince someone to send money through a P2P payment service.
P2P services can be a convenient way to exchange money, especially between people who know and trust one another. Problems often arise when scammers convince users to willingly send money to someone they do not actually know.
P2P payments may move very quickly. When a person willingly authorizes a payment after being deceived by a scammer, retrieving those funds may be difficult or impossible. This is why it is so important to verify the recipient before sending money.
No. If someone tells you to send money to yourself or another person in order to protect your AGCU account, stop communicating with them and contact AGCU directly.
Don’t automatically send an unexpected payment back. Contact the P2P provider through its official app or website and report the transaction. Let the provider determine how the payment should be handled.
Act quickly. Contact the P2P payment provider and AGCU as soon as possible. If account credentials may have been compromised, change affected passwords and review your accounts for suspicious activity.
If Something Goes Wrong
Trust Your Instincts
Scammers want you to act before you have time to think. Give yourself that time. Verify the person. Verify the reason. Verify the payment information.
If someone claiming to represent AGCU asks you to move money, provide a security code or take immediate action, stop the conversation and contact us directly.
Protecting your financial well-being is part of Banking with a Purpose.
Melanie Tarrant
on
August 12, 2026
Many people keep parts of their financial lives private, even within committed relationships. Understanding why can be the first step toward healthier conversations, stronger trust, and better financial habits.
Melanie Tarrant
on
August 6, 2026
For 75 years, Assemblies of God Credit Union has been committed to providing faith-centered financial services to members, ministries, churches, missionaries, and organizations across the nation. We’re honored to be featured in Missouri’s Leading Credit Unions, where our President and CEO, Peter Shiner, shares how AGCU continues to combine financial strength with a commitment to helping our members connect their faith and their finances. Read the feature below to learn more about our mission, our history, and the purpose that has guided AGCU since 1951.
Melanie Tarrant
on
July 30, 2026
Online gambling can threaten savings, relationships, and financial stability. Explore its risks and learn how biblical stewardship can help protect your future.
Melanie Tarrant
on
July 10, 2026
Learning Smart Money Habits Starts Early
Have you ever saved up for a new toy, a bicycle, or your favorite video game? If so, you’ve already started learning one of the most important lessons about money.
Money helps us buy the things we need and the things we enjoy, but learning how to earn it, save it, spend it wisely, and even share it with others are skills that can last a lifetime. The earlier you begin learning about money, the more confident you’ll become as you grow.
Melanie Tarrant
on
July 1, 2026
A Few Minutes Could Mean Big Savings
Insurance rates can change over time—even if you’ve been with the same company for years. That’s why it pays to review your coverage regularly and compare your options.
Whether you’re insuring your car, home, renters property, or other valuables, a quick insurance review could help you find the right coverage at a competitive price.
Melanie Tarrant
on
May 29, 2026
We are proud to recognize the recipients of the 2026 AGCU Scholarship Program. These outstanding students have demonstrated academic excellence, leadership, community involvement, and a commitment to living out their faith through service to others.
Their achievements reflect the values that AGCU seeks to encourage and support through Banking with a Purpose.