What’s the Difference Between ACH and Wire Transfers?
Our money moves mostly via ACH and wire transfers, but there are some major differences between them, especially when it comes to speed and security. We’ve got it all explained!
Member Highlight: Jordan Cutbirth
Jordan Cutbirth started Springfield Giants, a little league baseball and softball league as a way to educate and teach youth how to play baseball while helping them develop leadership skills along with dealing with personal growth, struggle of losing and the challenge winning well.
He and his stellar team of assistant coaches have dedicated their time to be there, on the field and off, to help these kids during all the difficult moments of practice and games. They believe in teaching kids the worth of facing your fears instead running from them, helping them focus on personal improvement rather than the fear of failure. In his words. “There is a million ways to fail but that means there are a million opportunities to grow and get better from those failures.”
Jordan believes in creating a good circle. This means finding friends and leaders around you that have the same goals and attitudes in mind and want to see the team grow and do well in accomplishment and in spirit. Competition can create healthy growth if you look at from the right perspective. It take consistency and hard work, but it is worth it.
We are proud to support Jordan Cutbirth and the Springfield Giants.
Each year, we donate 10% of our annual earnings to support churches, ministries, educational scholarships and programs, and humanitarian efforts. Learn more about Banking With A Purpose
2024 AGCU Scholarship Recipients
SPRINGFIELD, Mo. – AGCU announced the recipients of our 2024 Scholarships, Thursday, May 2, during the Annual Business Meeting held at AGCU Operations Center.
Every year we award scholarships to a number of Youth Account Members who are graduating from high school and plan to attend an accredited college or university in the fall of their graduation year. It’s just our way of thanking our New Attitudes members who have chosen AGCU as their banking institution. If you would like to learn if you or a loved one qualify for an AGCU Scholarship, contact your local branch!
Meet This Year’s Recipients
Josiah Bonin
$3000 Scholarship
Josiah is graduating from Bonin Homeschool in Namur, Belgium, and plans to attend Southwestern Assemblies of God/Nelson University as a worship arts and jazz major. He is a member of the Conservatory of Namur Jazz Ensemble. Josiah has volunteered in community disaster relief efforts in both Verviers, Belgium, and Lake Charles, Louisiana. He serves on the worship team at his church and will be the worship leader at the upcoming AGWM Western Europe Youth Retreat.
Lauren Melton
$3000 Scholarship
Lauren is graduating from Hillcrest High School in Springfield, Missouri, and plans to attend Southeastern University as a finance major. She is salutatorian of her class, president of National Honor Society, and student body president. Lauren is also a member of her school’s Fellowship of Christian Athletes and Future Business Leaders of America, and she has qualified for FBLA state. Additionally, she serves on the youth leadership and worship teams at her church.
Truman Griessel
$3000 Scholarship
Truman is graduating from Ozark High School in Ozark, Missouri, and plans to attend Lindenwood University as a communications major with an emphasis in sports broadcasting and media production. He is a member of National Honor Society, DECA, Fellowship of Christian Athletes, as well as Ozark High School’s marching band, jazz band, and wind symphony. Truman serves in the children’s program at his church.
Elyse Rogers
$3000 Scholarship
Elyse is graduating from Classical Conversations Educational Homeschool Cooperative in Springfield, Missouri, and plans to attend Harding University as a pre-medicine/biochemistry major. She is student government treasurer and captain of her speech and debate team. Elyse serves in the children’s ministry at her church, as well as a member of her church choir. She has participated in and won awards in numerous speech and debate tournaments.
James Letterman
$3000 Scholarship
James is graduating from Glendale High School in Springfield, Missouri, and plans to attend Evangel University and study pre-dentistry. He has been on the cross country and track teams throughout his high school career and has obtained leadership positions on the teams. James has been part of the Royal Ranger program at his church for most of his life and earned the Gold Medal of Achievement. He has also participated in various community and church volunteer projects.
Alexander Worthley
$1000 Scholarship
Merrell K. Cooper Memorial Scholarship
Alexander is graduating from Nixa High School in Nixa, Missouri, and plans to attend Evangel University as a pre-medical biology major. He is a member of the National Honor Society and Mu Alpha Theta – Mathematics Honor Society. Alexander is on his school’s cross country and track teams and participates in Fellowship of Christian Athletes. He has earned the Gold Medal of Achievement with Honors in Royal Rangers and serves on the youth worship team at his church.
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
The more you use AGCU for your day-to-day banking needs, the more you help support worthy causes – both locally and worldwide. We donate 10% of our annual earnings to support churches and ministries, educational scholarships and programs, and humanitarian efforts. Every day, we provide financial services to people across the United States and missionaries in 190 countries around the world.
In 2023, together, we donated a total of $379,035
- $104,500 to educational scholarships and programs
- $123,200 to humanitarian efforts
- $147,510 to churches and ministries
- $3,825 to other community needs
AGCU ALL New Online and Mobile Banking!
What Is Two-Factor Authentication (2FA)?
Two-factor authentication (2FA) is a security system that requires two separate, distinct forms of identification in order to access something.
Two-factor authentication is a combination of two of the following:
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Something you know (your password)
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Something you have (such as a text with a code sent to your smartphone or other device, or a smartphone authenticator app)
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Something you are (biometrics using your fingerprint, face, or retina)
Learn more about why AGCU is required to implement Two-Factor Authentication and how it helps prevent unauthorized access to your accounts here
Our brand NEW AGCU Banking App is designed to enhance your banking experience with AGCU. With improved security features, easier navigation, and additional services, managing your accounts will be more convenient than ever before!
To ensure you have uninterrupted access to your accounts on the go, you will be prompted to download the new Mobile Banking App.
Important Changes for Members
To continue accessing your accounts online, you may have to sign in and register your accounts again. If you are using the old App, you will be prompted to download the new app from the Google Play Store or Apple App Store to avoid any interruptions.
We’re Banking with a purpose, and our mission is to provide you with the best possible service and technology. That’s why we’re thrilled to announce these exciting updates to our Online Banking and Mobile App platforms!
Enhanced Security and Easier Navigation
Our updated platform features improved security measures to safeguard your account information and transactions. Plus, with the new customizable dashboard, navigating through your accounts and accessing important features will be easier than ever before!
Easily check balances and view statements to help make tracking your expenses simple!
New Messaging System
We’re introducing a brand new messaging system under the “Support” tab, allowing you to send direct messages to our dedicated Member Care Team. Get quick assistance, receive account-related information, and stay informed about the latest AGCU news and events—all in one convenient location!
Detailed Transaction Viewing
With our updated platform, you can click on individual transactions to view more details. With just a few clicks, you can stay informed about your account activity.
Important Changes for Members
To continue accessing your accounts online, you may have to sign in and register your accounts again. If you are using the old App, you will be prompted to download the new app from the Google Play Store or Apple App Store to avoid any interruptions.
Pay Bills and Transfer Money Between Accounts
Bill Pay functionality, including the ability to pay bills, send payments to other people and manage recurring payments
Transfer money between accounts
Financial Management Tools
Manage your finances with budgeting tools and savings goals tracking. You can set up sub-accounts and control your settings
Same Look and Feel Across Platforms
One of the most exciting aspects of our updates is that both Online Banking and Mobile App platforms will now have the same look and feel. Say goodbye to the days of navigating different digital banking platforms—now, your banking experience will be seamless across all devices.
Get Ready for a Better Banking Experience
We’re confident that these updates will enhance your banking experience and provide you with even greater convenience and functionality. Stay tuned for more information as we roll out these exciting changes! AGCU Annual Business Meeting
2024 AGCU’s Annual Business Meeting
Join us as we celebrate AGCU’s achievements, chart a course for the future, and make important decisions for the benefit of our members. Your voice matters, and we look forward to your active participation in shaping AGCU’s ongoing success.
Remember, the future of AGCU is in your hands!
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
Employee Spotlight – Ivan Smith
Employee Spotlight
Ivan Smith
Consumer Loan Officer
With AGCU 8 years
Forward Thinking Force
Dedicated to shaping a brighter tomorrow. Ivan’s genuine passion for improving the future is evident in everything he does.
His enthusiasm for making a difference extends to every aspect of his life. Whether it’s tossing a football with his children, sharing a laugh with coworkers, or simply enjoying classical music.
In Ivan, we find a beacon of hope and possibility, reminding us of the importance of looking forward with purpose and intention. His commitment to building a better tomorrow inspires us to join him on the journey toward a brighter future.
With a heart full of compassion and a strong sense of faith, Ivan approaches each day with a determination to make a difference by learning about the people behind the loans, and helping them achieve their goals.
What Does Banking With A Purpose Mean to You?
It’s an opportunity to make a difference.
AGCU donates 10% of our profits back to help people. It’s just a better fellowship
If you could have any superpower, what would it be?
I’d want to know the future. That way I could help humanity improve.
What is your favorite hobby?
I’m really competitive, and I love playing board and card games with my family.
Tell us something about you that might surprise us.
I can play piano.
When I was younger, I played piano, synthesizer, and organ in a garage band with friends.
What’s the best piece of advice you’ve ever reveived?
When you have a problem, put it in perspective. Will this even matter in a few ,months or years?
If you won’t be focused on it then, why be focused now?
Video Banking and Beyond!
Video Banking and Beyond!
Safe. Secure. Easy to Use.
With AGCU Anywhere, You can launch a Video Banking session from your desktop, laptop, or tablet. Click the “Start a Call” button below.
We know our members enjoy the personalized clarity of a face-to-face visit with knowledgeable AGCU team members, ESPECIALLY when it comes to matters of finance, but in-person visits aren’t always practical.
Instead of having to go to a physical location, you can start a call and speak face-to-face with an AGCU Video Banking Representative from anywhere. Apply for a loan or open a new account right from your computer.
Through AGCU Anywhere Video Banking and Online Banking, managing your money from the convenience of your schedule is easy!
Video Banking Hours (CST): Mon – Fri: 9:00 a.m.- 5:00 p.m.
Or Download the App Today!
Need Help After Hours?
- Become a Member
- Apply for a Personal Loan
- Apply for a Vehicle Loan
Do you have questions regarding online banking? Call Call (417) 831-4398 and speak to a representative 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
Premier Money Market Account
Maximizing Your Savings: The Premier Money Market Account
In the world of personal finance, there’s a wide array of options to grow and safeguard your hard-earned money. A great option that’s gaining popularity among savvy savers is the AGCU Premier Money Market Account.
The Money Market Advantage
Liquidity and Earnings
One of the standout features of a Money Market Account is its ability to offer the best of both worlds: liquidity and earnings. Unlike a traditional checking account, which typically provides minimal to no interest on your balance, or a Certificate of Deposit, which locks your money away for a fixed term, a Money Market Account allows you to access your funds while still earning a competitive Annual Percentage Yield (APY).
Competitive Rates
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% |
Why Choose a Premier Money Market Account?
Accessibility
Unlike CDs, which often lock your funds away for months or years, a Money Market Account allows you to access your money whenever you need it. With our Premier Money Market Account, you can write checks, make electronic transfers, and use your funds with ease while still benefiting from attractive interest rates.
Safety
Your financial security is paramount. Rest assured that our Premier Money Market Account, is insured up to $250,000 by the National Credit Union Administration (NCUA), making it a safe and reliable choice for your savings.
Earnings Potential
The tiered structure of our Premier Money Market Account ensures that your earnings grow in proportion to your savings commitment. As your balance increases, your APY becomes more competitive, allowing you to maximize your savings without compromising on accessibility.
Versatility
Whether you’re saving for a rainy day, a dream vacation, or a significant life event, a Money Market Account offers the versatility to meet your financial goals. With our tiered system, you can start at an accessible entry level and work your way up as your savings grow.
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!
In conclusion, when it comes to growing your savings while maintaining access to your money, the Premier Money Market Account at AGCU offers an enticing solution. With its tiered interest rates, flexibility, and safety, it’s a powerful tool to help you achieve your financial goals. So, don’t wait; take the next step toward maximizing your savings potential by opening a Premier Money Market Account today. Your future self will thank you for it.
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.
Big Changes in 2024
Exciting Changes Coming to AGCU – A Fresh Look and Enhanced Features Await You!
As we step into the new year, we are thrilled to announce some big changes at AGCU. Get ready for a revamped website launching in March 2024 that not only boasts a fresh appearance but also introduces a range of exciting features to enhance your banking experience. But that’s not all—stay tuned for an upcoming mobile banking app with its own set of innovative features later in 2024. Let’s dive into the details of what you can expect!
The New Website: A Fresh Face with Powerful Features
AGCU’s online home is getting a makeover! We believe in continuous improvement to provide you with the best possible banking experience. Here’s what’s in store for you:
- Modern and Intuitive Design: The first thing you’ll notice is our updated look. We’ve given the website a modern and intuitive design to make your navigation smoother and your overall experience more enjoyable.
- Effortless Navigation: This large drop-down menu makes navigation a breeze. Whether you’re looking for personal or business banking or specific services like personal checking, finding what you need has never been easier.
- Interactive Financial Calculators: Planning your financial future is now more engaging with our interactive financial calculators. From savings to mortgages and auto loans, these calculators feature sliders that update in real-time as you make adjustments.
- Co-Op ATM and Shared Branch Locator: Traveling or need to find an ATM or branch in a pinch? Our interactive map will locate Co-Op ATMs and Shared Branches based on your device’s location or your specified city or zip code, providing over 30,000 ATMs and 5,000+ shared branches at your fingertips.
- Centralized Documents and Forms: No more searching for specific forms! Our new resource page brings together all the documents you need in one easy-to-find and searchable location on the site.
- Mobile Device Compatibility: In today’s smartphone-driven world, we understand the importance of a mobile-friendly site. The updated design is not just a facelift; it’s a significant improvement for a smoother experience on your mobile devices. The Mega-Menu ensures clean navigation even on smaller screens.
- FAQs and Site Search: Looking for answers or specific information? Our FAQ section and site search functionality are here to assist you. Find what you need quickly and efficiently.
Looking Forward to the New Mobile Banking App in 2024
But wait, there’s more! Later in 2024, AGCU will be launching a new and improved mobile banking app. Here’s a sneak peek at what’s coming your way:
- Web App Dashboard Redefined: Our web app dashboard is getting a facelift too, with more intuitive features and enhanced functionalities.
- Extended Account Information: Get a deeper understanding of your accounts with additional details right at your fingertips.
- Tag Transactions and Attach Receipts: Organize and provide context to your transactions by tagging them and attaching receipts directly within the app.
- Card Controls and Travel Protection: Enjoy advanced card controls, including the ability to temporarily freeze your credit card. Plus, let us know when you’re traveling to ensure stress-free card usage.
- Convenient Bill Pay Options: Pay your bills effortlessly, whether it’s to a business or a person. Schedule recurring payments, send overnight or second-day payments, and even make credit card payments seamlessly.
- Enhanced Transfer Features: Initiate internal, member-to-member, and external transfers with ease. Verify authentic accounts using micro-deposit verification for added security.
- Alerts for Smart Banking: Set custom notifications for low or high balances and large transactions. Stay in the loop with our alert features.
- Mobile Check Deposit: Snap a photo of your checks for hassle-free deposits, making banking on the go a breeze.And too many more features to list here!
In summary, the upcoming changes to our website and the launch of our new mobile banking app in 2024 are all about enhancing your banking experience. From a fresh look to powerful features, AGCU is committed to providing you with top-notch service that aligns with your needs. Stay tuned for a seamless, user-friendly, and feature-rich journey with AGCU in the coming year!
Employee Spotlight – Sherrie Spracklen
Employee Spotlight
Sherrie Spracklen
Insurance Services Manager
With AGCU 10 years
Committed Advocate
Sherrie is a beacon of warmth and determination. Her laughter and love for family game nights reveal a playful yet competitive side, while her commitment to policyholders reflects a genuine dedication to service. Beyond her professional role, Sherrie’s compassion extends to volunteering at church and supporting meaningful causes. Sherrie embodies a well-rounded and caring spirit, making her a cherished member of the AGCU family.
Sherrie’s dedication to helping policyholders, coupled with a keen understanding of navigating the insurance process, emphasizes her commitment to service and advocacy. In both her professional and personal endeavors, Sherrie genuinely cares for those around her.
What Does Banking With A Purpose Mean to You?
Supporting causes, people, and missions that are near and dear to my heart.
What chore do you absolutely hate?
I won’t go in the crawl space under my house, or really anywhere that might have bats or snakes.
What is your favorite hobby?
I’m really competitive, and I love playing board and card games with my family.
How do you define success?
By the number of people I’ve helped and the lives that I’ve touched
What is one thing that you wish people knew about your job?
Sometimes, the cheapest coverage isn’t the best option, and it’s always better to have an agent in your corner
