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6 Ways to Enjoy a Budget-Friendly Summer
It’s time for summer vacation, but you don’t want to lose sight of your budget completely. What do you do? Fortunately, we’ve got plenty of tips to help!
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
5 Reasons To Open A Money Market Account
When you’re trying to save and manage your money, it can be tough to decide the right account to use. Savings accounts are ideal for funds you want to put away for emergency or special purposes, while checking accounts are the way to go for money you’ll spend. But what if you’re looking for something that will help you save with the flexibility to spend?
Look no further than a money market savings account. These are perfect for funds you don’t need immediate access to but may need to withdraw from in the future. Typically, you’ll earn a higher return without the risk of the stock market or the restrictions of a CD.
Here’s a look at the top five reasons to open a money market account
Accessibility of Funds
One of the most attractive features of money market savings accounts is how your funds are “liquid” — they don’t have a maturity date or term requirements. This means you can access money in your account anytime, usually without penalty*
The level of security combined with the ease of accessibility can be ideal if you have occasional, large expenses such as tuition payments, household repairs, or even unexpected medical fess. You’ll simply earn your dividend while waiting for a need to spend.
*withdraw funds up to six times a month with no fees. $10 fee for each withdrawal in excess of six per calendar month
You are in Control
Premier Money Market accounts offer flexibility in how you access funds. In fact, you can make deposits, Write Checks, make withdrawals, and transfer funds into your checking account, so you’re free to use your money in a pinch without any major effort at all!
Whatever purpose you have for your money — whether saving or spending — a money market savings account is an ideal place to keep your funds.
High-Interest Rates
Money market savings accounts offer a rate of return that surpasses your typical savings account. In most cases, the more money you keep in your account, the higher your interest rate is. This is especially beneficial in a rising-rate environment when rates are expected to increase — giving your money the best chance to grow!
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% |
Security
Funds in your Money Market account are insured by the NCUA up to $250,000. This means you can keep a large sum of money in your account without the risk of losing it to a market crash or a poor choice of investment. It’s a great opportunity to start saving with confidence!
Banking With A Purpose
AGCU shares your values and faith. We provide individuals, ministries, and businesses with the financial tools and knowledge they need to grow and thrive financially so they can transform our world through their generosity.
The money you deposit in AGCU helps churches grow, ministries expand, businesses succeed, and individuals thrive. Whether it’s constructing or remodeling a new church building or funding a home loan, your money is working in the Assemblies of God community.
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!
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.
Your Membership Matters
12 Days of Impact
At the Assemblies of God Credit Union, your membership actively supports ministry, education, and humanitarian causes. It’s more than just banking; it’s a faith-driven financial partnership we call Banking With A Purpose.
In the spirit of the holidays, let’s celebrate “12 Days of Impact” as we reflect on the incredible contributions your membership at AGCU makes to these and many more initiatives. Your membership truly matters, creating ripples of positive change that resonate far beyond the realms of traditional banking. As we step into the new year, let’s continue to make a difference together.
Convoy of Hope
A humanitarian, faith-based organization on a mission to feed the hungry and bring help and hope to communities in need. Through Disaster Services, Community Events, Agriculture, Women’s Empowerment, and Rural Initiatives, Convoy of Hope impacts lives globally, offering a helping hand where it’s needed the most.
Learn more about Convoy of Hope
AG World Missions
Assemblies of God World Missions (AGWM) finds strength in your commitment to global missions. Your membership supports AGWM in reaching, planting, training, and serving worldwide. Together, we’ve seen countless lives transformed and churches planted, fulfilling the core values of the AG Fellowship. Every 54 seconds, someone comes to Christ, a testament to the impact your faith has globally.
Learn more about Assemblies of God World Missions (AGWM)
AG U.S. Missions
Your commitment to AGCU extends beyond borders, reaching communities within the United States through AG U.S. Missions. By supporting windows like Adult and Teen Challenge, Chaplaincy Ministries, and Intercultural Ministries, your membership becomes a beacon of hope, providing resources and encouragement where it’s needed most.
Learn more about Assemblies of God U.S. Missions
Education: Nurturing Minds, Building Futures
Through AGCU, you’ve empowered educational initiatives, contributing to dozens of colleges, universities, public schools, and private Christian education. Your commitment to scholarship programs, educational materials, and financial education reflects a dedication to nurturing minds and shaping future leaders.
Project Rescue
Your membership takes a stand against human trafficking through support for Project Rescue. This multinational network fights to restore hope to survivors, and your involvement makes a significant impact in the ongoing battle against this global scourge.
Learn more about Project Rescue
YiPoA – Youth in Pursuit of Awakening
Your commitment to the Youth in Pursuit of Awakening (YiPoA) movement is a testament to your dedication to raising a generation that loves Jesus and lives out the gospel. Through events and programs, you’re actively participating in shaping future leaders who will impact the Kingdom.
Learn more about Youth in Pursuit of Awakening (YiPoA)
Fellowship of Christian Athletes
With your membership, Fellowship of Christian Athletes (FCA) has the power to use the platform of sport to reach coaches and athletes with the transforming power of Jesus Christ. Your commitment to integrity, serving, teamwork, and excellence resonates through FCA’s mission to lead every coach and athlete into a growing relationship with Jesus Christ.
Learn more about Fellowship of Christian Athletes (FCA)
REVFresh
Your benevolence through REVFresh refreshes ministry leaders, addressing personal needs and encouraging generous living. Your partnership supports a culture of support and care, reflecting the values of integrity, accountability, responsibility, and dedication.
Learn more about REVFresh
Springfield Giants
Your support of Springfield Giants Inc. signifies your commitment to character development through competition. The attributes of a Giant—character, accountability, responsibility, and dedication—are instilled in the youth, shaping them into confident future leaders.
Learn more about Springfield Giants
Simply Loved Orphan Care
Through Simply Loved Orphan Care, your membership contributes to projects and funding for orphanages in Eastern Europe. Your support ensures better care and preparation for life after the orphanage, reflecting your commitment to making a difference in the lives of these children.
Learn more about Simply Loved Orphan Care
Light The Way Ministry
Your membership supports Light The Way Ministry, spreading the light and hope of Jesus Christ beyond the church walls. Through gatherings, events, and year-round efforts, your involvement becomes a source of transformation, bringing healings, deliverances, baptisms, salvations, and breakthroughs.
Learn more about Light The Way Ministry
The Young Entrepreneurs Showcase
Your commitment to the Young Entrepreneurs Showcase provides a platform for young people to showcase their talents and entrepreneurial spirit. Through your support, you’re actively nurturing young minds and fostering a culture of innovation.
Learn more about Young Entrepreneurs Showcase
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
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 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.
A 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.
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
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
If you’ve ever received a suspicious call demanding immediate payment for a debt you don’t recognize, you’re not alone. Debt collection scams are on the rise, and criminals are getting more sophisticated in how they target consumers.
Learning how to spot a debt collection scam can protect you — and your wallet — from serious financial harm. Here’s what to know, and how AGCU can help keep your finances safe.
What Is a Debt Collection Scam?
A debt collection scam happens when a fake collector pretends to be from a legitimate agency and pressures you into paying money you don’t owe. These collection scams often involve threats, urgent language, or requests for payment via unusual methods like gift cards, wire transfers, or prepaid debit cards.
Some scammers even impersonate real companies, making it harder to tell if the communication is legitimate. You may have heard of a Credit Collection Services scam, where fraudsters pose as actual agencies to sound more convincing.
Red Flags of a Collection Scam
Watch for these warning signs that a debt collection scam may be in play:
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High-pressure tactics: Demands to pay immediately or face arrest/legal action.
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Missing documentation: Legitimate debt collectors are required to provide a written validation notice.
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Unfamiliar debts: If the debt doesn’t sound right, it’s worth investigating.
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Untraceable payment methods: Asking for payment via wire transfer, prepaid card, or cryptocurrency is a red flag.
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Refusal to give details: Real collectors will identify their company and provide contact information.
How to Protect Yourself from Debt Collection Scams
If you’re contacted by someone claiming you owe a debt, follow these steps before sending any money:
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Ask for written validation of the debt. Legit collectors must send this by law.
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Verify the debt by checking your records and contacting your original creditor.
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Don’t give personal info (like your SSN or banking info) unless you’re 100% sure the collector is legitimate.
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Report suspicious activity to the FTC at reportfraud.ftc.gov.
Still unsure? AGCU members can always contact us for help verifying suspicious financial communications.
What to Do If You’ve Been Scammed
If you believe you’ve fallen victim to a credit collection services scam or any kind of debt collection scam, don’t panic — act fast:
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File a report with the FTC and your state attorney general.
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Place a fraud alert on your credit report through one of the major credit bureaus.
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Monitor your accounts for unauthorized activity.
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Contact AGCU so we can help protect your accounts and walk you through next steps.
Stay Vigilant with AGCU
At AGCU, your financial safety is our priority. We provide fraud protection tools, secure account access, and friendly support when you need help. Whether you’re dealing with collection scams or just want to know how to spot a suspicious email or call, our team is here for you.
Pro tip: Keep your contact information up to date with AGCU so we can reach you quickly if there’s an issue with your account.
Final Thought: When in Doubt, Reach Out
Scammers are smart, but you’re smarter. Knowing the signs of debt collection scams — and taking steps to verify any contact you receive — can save you from costly mistakes.
If you ever feel unsure, reach out to AGCU. We’re happy to review the situation and help you sort fact from fraud.
Banking With A Purpose
Much more than a catchphrase, our tagline is our passion, our reason why we do what we do. This is the impact of your membership with AGCU.
Learn More About Banking with a Purpose
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
