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Financial Services For Individuals & Families

LoyaltyPlus High Yield Checking

Loyalty Plus High Interest Checking 2.50% APY*A Free LoyaltyPlus checking account combines the convenience and functionality of a regular checking account with the interest rates that meet or exceed popular savings options such as a savings account, money market account, or certificate of deposit (CD). Like a traditional checking account, LoyaltyPlus comes with a debit, check-writing and electronic bill payments, and remote check deposit.

The LoyaltyPlus Checking account offers annual percentage yields (APYs) as high as 2.50%, far exceeding the national average.

  • Earn 2.50% APY on your average LoyaltyPlus Checking balance up to $10,000, and .05% APY on balances $10,000 and up!
  • LoyaltyPlus Checking accounts have no monthly fees.
  • With a LoyaltyPlus Checking account, AGCU will refund ATM fees up to $15 each month.
  • Free Visa® debit card

How to Qualify

Qualifying for an AGCU LoyaltyPlus Checking account is as easy as doing what you already do!

  • Make at least 12 AGCU debit card purchases during the month.
  • At least one automatic deposit every month
  • Enroll in e-Statements

Every month that you meet these qualifications, you’ll receive 2.50% APY on your average LoyaltyPlus Checking balance up to $10,000, and .05% APY on balances $10,000 and up! Use our convenient tracking tools to manage your accounts and watch your progress – And don’t worry, any month that you don’t meet the qualifications to earn the maximum annual percentage yield, your money will still earn .01% APY

Switching to LoyaltyPlus Checking Account

It’s easy to switch your existing AGCU free checking account to LoyaltyPlus Checking and start earning high interest! Visit any AGCU Branch, or contact one of our representatives today! Call (417) 831-4398 or fill out our contact form and we will reach out to you!


Free VISA Debit Card

AGCU’s VISA Debit Card provides you with the convenience of both a checkbook and an ATM card. It gives you a faster, more economical, more convenient way to buy the products and services you need. The free VISA debit card structure allows you to withdraw funds from your checking account without ever having to write a check. Plus, VISA Debit Card performs all the functions of an ATM card. It’s the checking and withdrawing card all in one.

Explore more information about these services:

You can use your VISA Debit Card wherever VISA is accepted. VISA Debit Cards are available to all account holders over the age of eighteen (18) with accounts in good standing. Minors ages 16 and 17 can get a VISA Debit Card with a qualifying adult on the account as a joint owner.  Contact us for complete details.


CO-OP ATM & Shared Branch Networks

Having access to your funds at any point in time and anywhere is important to most people. You never know when an emergency situation will come up, and you’ll need to access an ATM. Luckily, AGCU is a member of the Co-Op ATM and Shared Branch Network, meaning that it’s easy and convenient for customers to access their checking accounts.

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, members also have access to their accounts at over 5,000 Shared Branches nationwide through CO-OP Shared Branches.


Additional Account Services and Member Benefits

At AGCU, we pride ourselves on providing the best customer service, member benefits, and account resources. Learn about other account services – including FREE online banking, FREE e-statements, FREE bill pay, mobile banking, and more – on the Account Services page.


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!

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