Savings Rates

Certificate of Deposit Rates:*

6 month 1.00% 1.00%
12 month 3.01% 3.05%
18 month 2.10% 2.12%
24 month 2.25% 2.27%
36 month 2.00% 2.02%
48 month 1.75% 1.76%
60 month 1.50% 1.51%


*Minimum Deposit $1,000. Certificate dividends paid monthly. Rates accurate as of 10/25/2022.
APR = Annual Percentage Rate
APY = Annual Percentage Yield
Penalty may apply for early withdrawal. Rates subject to change.

Money Market Rate in APY:**

Minimum Balance




**Compounded monthly. Rates accurate as of 5/1/19.
APY = Annual Percentage Yield
Rates subject to change

Savings Rates in APY:***

Savings Accounts


Primary Savings
Individual Retirement Account (IRA)
Health Savings Account (HSA)

Minimum savings account balance $100+
***Savings are compounded quarterly. Rates accurate as of 9/1/22.
APY = Annual Percentage Yield
Rates subject to change

Checking Rate in APY:****

Earn 2.50% APY on your average LoyaltyPlus Checking balance up to $10,000, and .05% APY on balances $10,000 and up!


Minimum Balance


Up to $10,000* 2.50%
$10,000+ 0.05%
Minimum requirements not met

****Compounded monthly. Rates accurate as of 9/1/2021.
* Qualifying for an AGCU LoyaltyPlus Checking – Make at least 12 AGCU debit card purchases during the month. – At least one automatic deposit every month – Enroll in e-Statements

APY = Annual Percentage Yield
Rates subject to change

Accounts are 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 one of our representatives today to open your account! Call (417) 831-4398 or CLICK HERE and we will contact you!

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