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Member Services

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Regular Share Account

  • A member must maintain a $5.00 minimum daily Share balance.
  • Share Accounts earn dividends from date-of-deposit to date of withdrawal.
  • Only six withdrawals or transfers are allowed per month without a service charge. This includes transfers to other credit unions, automatic transfers, or automatic withdrawals.
  • Dividends are compounded quarterly and credited to the account on a quarterly basis.

Christmas and Vacation Clubs, Secondary Savings Accounts

  • Dividends are compounded quarterly and are credited to the account quarterly.
  • No minimum is required to open either account.
  • Christmas Club funds are paid out the first of October each year. You may request the funds stay in the account, transfer to another account, or in a check.

Share Draft Account

  • Non-interest bearing account.
  • No minimum balance required.
  • No monthly service charges and no per check fees.
  • Automatic transfer of available funds from share (savings) to share draft account to cover insufficient checks presented daily.
  • Overdraft Protection line of credit is available to help guard against returned checks due to insufficient funds.
  • Duplicate copies of all checks are on file at the credit union in the event a copy is needed.

Insured Money Market Account

  • A minimum balance of $2,500.00 is required to open a Money Market Account.
  • No more than three withdrawals per month are allowed on the account.
  • Minimum deposits are $250.00 and minimum withdrawals are $500.00.
  • The rate is subject to change weekly.
  • Dividends are compounded quarterly and credited to the account on a quarterly basis.

Individual Retirement Accounts

  • 12 and 18 month certificate of deposits are offered on IRA accounts with a minimum deposit of $1,000.00.
  • IRA Accumulation accounts--dividends are compounded and credited to the account on a quarterly basis.

Certificate of Deposit Accounts

  • CD accounts available starting at 30 days to 18 months with a minimum deposit of $1,000.00.

Safety and Soundness

All accounts are insured up to $100,000.00 with the exception of Individual Retirement Accounts. These are insured up to $250,000.00. You have the backing of the government with the National Credit Union Share Insurance Fund.

Types of Loans

  • NEW SERVICE: Online Mortgages - Click Here!
  • New and Used Cars, Trucks, Boats, and Trailers
  • New and Used Recreation Vehicles, Motor Homes, and Campers
  • New Motorcycles, ATVs, and Jet Skis
  • Home Improvement Loans, Home Equity, and Home Equity Line of Credit
  • Single Payment Loans, Signature Loans, Vacation Loans, and Christmas Loans
  • Co-Maker/Guarantor Loans
  • Share and CD Secured Loans
  • Visa Credit Cards - Application

Additional Services

  • Prepaid Visa Travel Card (replaces paper Travelers Checks)
  • Visa Gift Cards
  • Free Notary Public Service
  • Certified Checks
  • Money Orders
  • Wire Transfers
  • Direct Deposit - Enrollment Form
  • Visa Check/Debit/ATM Cards - Application
  • U.S. Savings Bonds
  • Virtual Branch Online (home banking)
  • Online Bill Payment
  • Automatic transfer from one credit union account to another to cover checks, loan payments, etc.


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We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.                   Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government.
AGC Credit Union