Assembly of God Credit Union: Everything You Need to Know

When it comes to banking, there are a lot of options out there. From big banks to local credit unions, it can be tough to decide where to put your money. If you’re a member of the Assembly of God church or another Pentecostal denomination, however, one option worth considering is the Assembly of God Credit Union.

Assembly of God Credit Union: Everything You Need to Know

In this guide, we’ll dive into all the details you need to know about Assembly of God Credit Union. We’ll explore its history and mission, as well as its products and services. Finally, we’ll cover how to become a member and what sets this credit union apart from other financial institutions.

What Is Assembly of God Credit Union?

Assembly of God Credit Union is a financial institution that serves members of the Assemblies of God (AG) denomination and other Pentecostal organizations. Its official name is AGCU – The Credit Union for Ministries and Members.

The credit union was founded in 1951 by AG pastors who wanted their congregants to have access to affordable banking services. Today, AGCU has over 29,000 members across the United States.

AGCU’s mission is simple: “To serve our members with excellence while glorifying Jesus Christ.” This goal underlies everything AGCU does – from the products it offers to the way it interacts with members.

Products and Services

AGCU offers a range of financial products and services designed to meet the needs of its members. Here are some examples:

Checking Accounts

AGCU offers four different checking account options:

  • Basic Checking: A no-frills account with no minimum balance requirements.
  • Dividend Checking: Pays interest on balances greater than $500.
  • Senior Checking: Designed for members over 55 years old; pays interest on balances greater than $500.
  • Premier Checking: Offers higher interest rates and extra perks like free checks and overdraft protection.

Savings Accounts

AGCU offers several savings account options as well, including:

  • Regular Savings: A basic savings account with a competitive interest rate.
  • Share Certificates: CDs with terms ranging from 6 to 60 months.
  • Money Market Accounts: Tiered accounts that pay higher interest rates on larger balances.


AGCU provides various types of loans to its members. These include:

  • Auto Loans: Competitive rates for new and used vehicles.
  • Personal Loans: Up to $10,000 for any purpose.
  • Home Equity Loans: Financing options for home improvements, debt consolidation, and more.
  • Mortgage Loans: Fixed and adjustable-rate mortgages with flexible terms.

In addition to these products, AGCU also offers credit cards, online banking services, and more.

Membership Requirements

To become a member of AGCU, you must meet one of the following criteria:

  1. Be a member or attendee of an Assemblies of God church
  2. Be a member or employee of an organization affiliated with the Assemblies of God
  3. Have an immediate family member who is an AGCU member

Once you become a member, you maintain your membership even if you later leave the Assemblies of God or stop attending church altogether.

How Does Assembly of God Credit Union Differ from Other Financial Institutions?

So what sets AGCU apart from other banks and credit unions? Here are a few key factors:

Christian Values

As a Christian-based financial institution, AGCU operates according to Biblical principles. This means that it prioritizes honesty, integrity, and stewardship above profits.


Like all credit unions, AGCU is owned by its members rather than shareholders. This means that profits are reinvested back into the institution or returned to members through lower fees or better rates.

Personal Service

As a smaller financial institution, AGCU is able to provide more personalized service to its members. This means that you’re more likely to work directly with a staff member who knows you and your financial goals.

Competitive Rates

Despite being a smaller credit union, AGCU still offers competitive rates on its products and services. In fact, its interest rates on savings accounts and CDs are often higher than what you’d find at big banks.

Non-Profit Status

Since credit unions are non-profit institutions, they don’t have the same profit-driven incentives as big banks. This allows them to focus solely on serving their members’ needs.


If you’re a member of the Assemblies of God or another Pentecostal organization, Assembly of God Credit Union could be a great choice for all your banking needs. With a commitment to Christian values, personalized service, and competitive rates, AGCU stands out from other financial institutions in several important ways.

So why not consider becoming an AGCU member today? Whether you need a checking account, a loan, or anything in between – AGCU has got you covered.


What is Assembly of God Credit Union?

Assembly of God Credit Union is a not-for-profit financial institution that provides banking services to individuals who belong to the Assemblies of God denomination.

Can anyone join Assembly of God Credit Union?

No, only members of the Assemblies of God denomination can become members of the credit union. However, family members of eligible members are also allowed to join.

What services does Assembly of God Credit Union offer?

Assembly of God Credit Union offers a range of banking services, including checking and savings accounts, loans, mortgages, and online banking. They also offer financial counseling and education programs to their members.

How does Assembly of God Credit Union differ from a traditional bank?

Unlike traditional banks, Assembly of God Credit Union is owned by its members and operates on a not-for-profit basis, which means that revenue is returned to members in the form of lower interest rates on loans and higher dividends on savings accounts. Additionally, credit unions typically have more favorable terms and fees than traditional banks.

Is my money safe at Assembly of God Credit Union?

Yes, your money is insured up to $250,000 by the National Credit Union Administration (NCUA), which is backed by the full faith and credit of the U.S. government.

Can I access my account online at Assembly of God Credit Union?

Yes, Assembly of God Credit Union offers online banking services that allow you to check your account balances, transfer funds between accounts or other financial institutions, pay bills online, and more.

Does Assembly of God Credit Union offer mobile banking?

Yes! Members can use AGCU’s Mobile Banking App for Apple & Android Devices! You can check balances/payments/make transfers/apply for loans and more!

How can I apply for a loan at Assembly of God Credit Union?

You can apply for a loan by filling out an online application, visiting a branch location, or calling the credit union’s loan department. The credit union offers a variety of loans, including auto loans, personal loans, and home equity loans.

What is the membership fee for Assembly of God Credit Union?

There is no membership fee to join Assembly of God Credit Union. However, there may be fees associated with specific accounts or services. These fees are typically lower than those charged by traditional banks.

Can I get financial counseling at Assembly of God Credit Union?

Yes! All members have access to free financial counseling through AGCU’s partnership with GreenPath Financial Wellness.

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