Savings & CDs

By opening a savings account with AGCU you will:

• Start your savings experience with only a $25 deposit
• Become a member/owner of AGCU
• Access to many benefits
• Federally insured by the NCUA to at least $250,000

View our current savings rates and contact us to open an account.

Certificates of Deposits (CD)

CDs help your ministry save and earn more than traditional savings accounts. Our CDs offer a range of terms and rates, providing options for your unique goals. See our rates here.

Money Market Accounts

Grow your savings faster and earn higher dividends with easy access to funds. You’ll earn higher dividends with a money market account than with a regular savings account. Other features of this account include:

• 6 withdrawals Free (per calendar month)
• $10 monthly fee if the balance falls below $2,500
• Minimum balance of $2,500 is required to earn dividends

Health Savings Accounts (HSA)

If you have an HSA-qualified high deductible health plan (HDHP), you may be eligible to open a Health Savings Account. With an HSA, you can save money for medical expenses* while earning a high rate of dividends on the account. Some of the features of an HSA account include:

• No monthly fees
• Access to your money via a Free HSA debit card
• Contributions to HSAs are tax-free
• The balance in your HSA rolls over year after year – no “use it or lose it” rule
• Money can be used to pay for qualified medical expenses for yourself, your spouse and dependent children
• HSAs are portable…you can keep it even if you: change jobs, change medical coverage, become unemployed, move to another state, or change marital status

For more information about HSAs (including annual contribution rates), visit the Internal Revenue Service HSA website.

*includes most medical care and services, dental care, vision care, and prescriptions

CO-OP ATM & Shared Branch Networks

In order to serve our members nationwide and in more than 190 countries around the world, you have access to your money at nearly 30,000 surcharge-free ATMs in the United States and Canada and can make deposits to your account at over 9,000 deposit-taking ATMs through the CO-OP ATM Network. Plus. just like visiting an AGCU branch, members also have access to their accounts at over 5,000 Shared Branches nationwide through CO-OP Shared Branches.

Account Coverage

Each AGCU account is insured by the National Credit Union Administration (NCUA) to at least $250,000. Additional coverage of up to $250,000 per depositor for other types of accounts, such as IRAs, is also available. For more information about your account’s coverage, see the NCUA’s insurance estimator here or contact us. NCUA maintains one of the largest and strongest levels of financial reserves in America and is backed by the full faith and credit of the United States Government.

Contact AGCU

Contact one of our representatives today to open your account! Call (417) 831-4398 or fill out our contact form, and we will reach out to you!