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Loyalty CD

AGCU Loyalty CD

Your Rates Deserve A Raise!

Your Rates Deserve a raise! Loyalty CD Rates based on length of membership

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!

Start a Call Video Banking

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

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 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

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APY=Annual Percentage Yield

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.

Don’t Get Caught in a Debt Collection Scam

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

Dealing with debt can be overwhelming, and scammers are all too eager to exploit this vulnerability. Debt collection scams are on the rise, targeting individuals who are already stressed by their financial situation. Understanding how these scams work and knowing how to protect yourself is crucial. Let’s take a closer look at debt collection scams and how to avoid becoming a victim.

How the Scams Play Out

In a typical debt-collection scam, a fraudster poses as a debt collector and contacts the victim, insisting on immediate payment for an outstanding debt. They are often unrelenting, demanding a specific means of payment, such as a wire transfer or a prepaid debit card. However, the truth is that the caller is not a legitimate debt collector, and any money paid will go directly into their own pocket.

Red Flags to Watch For

Recognizing the warning signs of a debt-collection scam is the first step in protecting yourself:

  • Immediate Payment Demands: Scammers often pressure victims for immediate payment, creating a sense of urgency and panic.
  • Specific Payment Method: Legitimate debt collectors provide various options for payment, while scammers typically insist on a single method, such as wire transfers or prepaid cards.
  • Lack of Debt Details: The scammer may know very little about the debt they claim you owe, lacking crucial information about the creditor, the amount owed, or the nature of the debt.
  • No Contact Information: Legitimate debt collection agencies will provide contact information for verification, but scammers avoid giving out any verifiable details.

Protecting Yourself

To safeguard yourself from falling victim to debt collection scams, follow these essential tips:

  • Verify the Debt: When contacted by an alleged debt collector, request written validation of the debt. This should include comprehensive information about the creditor, the debt amount, and the debt’s nature. Legitimate debt collectors should be able to provide this information easily.
  • Guard Personal Information: Never share sensitive personal information with an unverified contact. If someone you don’t know is asking for personal details, it’s a strong indicator of a potential scam.
  • Check Licensing and Credentials: Research the collector’s credentials and licensing status through your state’s attorney general’s office or consumer protection agency. Legitimate collectors are typically licensed and regulated.
  • Know Your Rights: Familiarize yourself with your rights under the Fair Debt Collection Practices Act (FDCPA). These laws outline the rules that legitimate debt collectors must follow when attempting to collect a debt. Understanding your rights will help you identify when a collector is acting outside the law.
  • Maintain Detailed Records: Keep thorough records of all communication you have with potential debt collectors. Document dates, times, names, and contact details to create a paper trail.
  • Request Written Communication: Legitimate collectors should be willing to provide written documentation of debts and any payment arrangements. Insist on written communication to verify the legitimacy of the debt.
  • Stay Informed: Regularly check your credit report for unfamiliar or fraudulent accounts. Staying up to date with the latest scams will help you identify and avoid potential threats.

Dealing with debt is challenging enough without falling victim to scams. By following these guidelines, you can better protect yourself and your financial well-being from unscrupulous individuals seeking to exploit your financial troubles. Stay informed, stay vigilant, and ensure your financial future remains secure.

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.

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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Protect Yourself From Credit Card Fraud

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

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Beware of Job Scams

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

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Employee Spotlight – Zandra Nelson

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

2023 Scholarship Recipients

AGCU Scholarship Recipients

 

SPRINGFIELD, Mo. –  We announced the recipients of our 2023 AGCU Scholarships Thursday, June 8 at the Annual Business Meeting held at Central Assembly.

Every year we award scholarships to a number of New Attitudes 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!

Annalise Goodwin

Annalise Goodwin

$1000 Scholarship
Merrell K. Cooper Memorial Scholarship

Annalise is graduating as a homeschooled student in Grand Rapids, Michigan, and plans to attend Southeastern Assemblies of God University – Ohio campus as a media and design major. She is a member of Timothy Teams at Ohio Ministry Network Kids Camp and assists with children’s ministry for Africa missionary field conferences. Annalise designed her parents’ missionary prayer cards for their ministry in Africa. She is also active in her church serving as a greeter and member of the choir and orchestra.

 

Jackson Hayes

Jackson Hayes

$4000 Scholarship

Jackson is graduating from New Covenant Academy in Springfield, Missouri, and plans to attend John Brown University as an electrical engineering major. He was accepted into the Missouri Boys State program and served on the House of Representatives in the program. Jackson is a member of National Honor Society.

Natalie Vaughn

Natalie Vaughn

$4000 Scholarship

Natalie is graduating from Hillcrest High School in Springfield, Missouri, and plans to attend John Brown University as a biology major. She is valedictorian of her class, student body president, and vice-president of National Honor Society. Natalie serves as an assistant pre-K teacher at her church and is actively involved with her youth group. She also volunteers with numerous community service projects.

Nathan Buller

Nathan Buller

$4000 Scholarship

Nathan is graduating from Bauxite High School in Bauxite, Arkansas, and plans to attend Southwestern Assemblies of God University as a digital media major. He is vice-president of Student Congress, a member of Future Business Leaders of America, and National Honor Society. Nathan has also been a member of the AV Tech/Media Team at his school and church.

Oliver Puccini

Oliver Puccini

$4000 Scholarship

Oliver is graduating from Breck School in Golden Valley, Minnesota, and plans to attend the University of Notre Dame as an aerospace engineering major. He is a member of the Breck School Stampede Robotics team and writes for the school newspaper. Oliver is also a member of his school Bato Bato Marimba band and jazz orchestra. Additionally, he has been a mission team leader assisting a Ukrainian Refugee Center and tutors for the Neill Elementary’s Science Enrichment program.

Madeline Berkey

Madeline Berkey

$4000 Scholarship

Madeline is graduating from Rosslyn Academy in Nairobi, Kenya, and plans to attend Trinity Bible College as a Children’s Ministry and Missions major. She is a National Honor Society member. Madeline is member of the women’s basketball and volleyball teams. She serves in the children’s program at her church, as well as a member of the Spiritual Life Committee at her school.

 

 

 

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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Mortgage Lenders and Credit Checks

Navigating Mortgage Lenders and Credit Checks: Your Roadmap to Informed Choices

If you need a mortgage but you’re worried about the negative effect on your credit from a credit check, remember the 45-day rule. Learn about that and more in our guide!

Navigating Mortgage Lenders and Credit Checks: Q: What happens when a mortgage lender checks my credit score?

A: That’s a great question! Let’s explore the mortgage-shopping process, how credit checks can affect your score, and some helpful tips for choosing the right lender.

Understanding Credit Scores:

First off, what’s a credit score, and why should it matter to you?

Your credit score is a three-digit number that reflects your financial responsibility and creditworthiness. It considers factors like your payment history, credit utilization, types of credit, outstanding debt, and credit history. A higher credit score not only improves your chances of mortgage approval but also helps you secure more favorable interest rates.

Demystifying Credit Checks:

When you apply for a mortgage, the lender will likely request your credit report from one or more major credit bureaus. This process is commonly known as a credit check. The lender examines your credit report to evaluate your creditworthiness and determine whether you’re a suitable candidate for a mortgage. If any concerning red flags appear, it could lead to a higher interest rate or even a potential denial of your mortgage application.

Impact on Your Credit Score:

A credit check can have a temporary impact on your credit score. Each credit inquiry is noted on your credit report and might be viewed as a potential risk by lenders. However, the good news is that the effect is usually minor and short-lived. Your credit score typically bounces back within a few months.

Managing the Effect on Your Credit Score:

Contrary to common misconceptions, you don’t need to limit your mortgage applications out of fear of harming your credit score. Here’s the encouraging part: Multiple credit checks from mortgage lenders within a 45-day window are treated as a single inquiry on your credit report. Lenders understand that you’re in search of a single home loan, so these inquiries won’t be seen as multiple loan applications. This means you can take your time, explore various lenders, and gather loan estimates without worrying about negative consequences to your credit score.

Choosing the Right Mortgage Lender:

When seeking potential lenders, it’s always valuable to consider personal recommendations from family and friends who share your values. Additionally, you can explore online ratings and reviews of lenders to gain insights into their reputation and customer experiences. As you evaluate different options, prioritize lenders who demonstrate excellent customer service, transparent loan processes, reasonable closing costs, and fees, and offer favorable interest rates.

This knowledge will empower you as you embark on your homeownership journey. By understanding the impact of credit checks and making well-informed decisions, you can confidently select the mortgage lender that resonates with your beliefs and values.

 

AGCU is committed to helping you find the right home loan option for you. We offer a variety of products to meet your requirements. Whatever your lending needs are, AGCU is here to help you navigate the process.

Visit our Home Loan Center to get started!