Personal Banking

Personal Banking

A full range of banking products are available to meet your personal needs such as checking accounts, savings accounts, investments, loans, credit cards and more. 

At Archer Credit Union, you'll find that we happy to see you and happy to help with anything from the day-to-day to complex financial solutions. We truly value every member and are proud to help people right here in our community.

 

Horizontal Tabs

Loans
Loans

Home Mortgage Loans

Your largest single life investment is the purchase of a home. Whatever home you decide to buy, your Credit Union can help you with a mortgage loan. Our rates are great and our mortgage professionals are even better at matching your needs, from pre-qualification to closing. Call us to check out our in-house program and if you need more options talk with one of our loan officers.

You can start the application process in person, or complete an application online at our Mortage Loan Center.  You can also view the status of your application, see the latest rates, calculate monthly payments and more.

Home Equity Loans

Your Credit Union’s Home Equity Loan may be used to fund home improvements, refinance existing debt or finance a special purchase! Visit with us as to the options available.

Consumer Loans

Consumer loans cover a wide area of personal and household needs. Needs may be the refinance of bills or credit card debt, a vacation, a new freezer or that new riding lawn mower. Loan terms are typically short-term but can be arranged to fit your ability to repay the loan.  Credit Application

Vehicle Loans

We make your car buying experience a breeze! Finance your new or used car, truck or van at your Credit Union. We offer flexible financing terms and competitive rates.  Credit Application

Share Certificate Loans

Use your Share Certificate at Archer Credit Union as collateral for a reduced interest rate loan to fund whatever need you have! It is the easiest loan to process.

Sallie Mae’s Smart Option Student Loan

For college expenses not covered by scholarships and federal loans, Archer Credit Union has partnered with Sallie Mae to bring you loans with great repayment options and competitive rates. Click here to apply and learn more details.

GreenPath Debt Solutions

Archer Credit Union partners with GreenPath. GreenPath offers Free Financial Counseling, Debt Management Plan, Housing Services, Student Loan Counseling, Credit Report Review and Financial Education. A non-profit credit counseling organization that has been helping people reach their financial goals since 1961, GreenPath offers financial counseling and debt counseling without the pressure of a sales pitch. See what GreenPath can do for you today! Visit our affiliated website for more information.

Checking
Checking

Checking Accounts

A checking account from your credit union offers you the savings and convenience you want to manage your personal day-to-day finances. Our checking accounts are truly “free” checking. Unlike our competitors, check orders are provided at cost.  You will not find any monthly fees on your statement.

NOW Accounts

Interest bearing checking account typically used by farm, ranch and business operations. Account restrictions apply.

 

Savings & Investments
Savings & Investments

Passbook Savings Account

Whether you just need to place a stash of cash short term or you’re looking for long-term investment vehicles, your Credit Union has what you need.
 

Junior Growers Program

Archer Credit Union is celebrating National Credit Youth Month by introducing our NEW Junior Growers Account. The Junior Growers Savings account is for members 12 years and under. This account has several features and benefits to help encourage our youngest members to save their money and also have fun when they visit Archer Credit Union! Fun features of the account include:
  • Children will receive a piggy bank and/or Archer mood cup at account opening
  • Deposit Punch Card: they will receive a punch for every $5 deposit that the child makes in person. Once the card is full ($50), it is entered for a quarterly drawing.
  • Treasure Chest: kids can pick a small prize each time a deposit is made.
  • Higher interest rate and APY than our regular savings.
  • Archer Bucks: reedemable for a $5 deposit into a new (or converted) Junior Growers account. These will be given out from time to time to promote the account.
  • Periodic Junior Growers events/promotions (TBD)

Share Certificates

Certificates of Deposits from your Credit Union are an excellent investment opportunity if you do not need immediate access to your funds and want to invest for longer periods to obtain high rates of return.  Click here to check our current rates.
 

Student Share Certificates

Archer Cooperative Credit Union supports its youth members by offering a Student Share Certificate at rates above current market rates. Increased youth member returns help students save for college or other educational needs. Visit with Credit Union staff to answer any of your questions.

Health Savings Accounts (HSAs)

A Health Savings Account gives you more flexibility and control over your health care costs.  You will be able to deduct contributions to your HSA, the account earnings will accumulate on a tax-deferred basis.  Best of all, distributions from you HSA are tax-free if they are used for qualified medical expenses.  To open an HSA you must select a high deductible health plan.  Contributions and plan deductible limits change frequently so consult you tax professional regarding your individual circumstances.

Vacation & Christmas Club Accounts

The perfect savings account to help you save for the perfect vacation or Christmas gift. You can start saving today with a deposit of $25.00 and continue to save each month up to $3,600 per year.

IRAs/SEP

Start planning for your retirement today by opening an IRA account at your Credit Union. With outstanding rates and funds that grow tax deferred year after year, an IRA account is an important part of your long-term savings portfolio. A Traditional IRA offers tax-deferred earnings and the possibility of tax deductible contributions. A Roth IRA is funded by non-deductible contributions but gives owners the opportunity for tax-free withdrawals.
 
 

 

Debit Cards
Debit Cards

Debit Cards

Your Archer Credit Union debit card lets you make cash withdrawals, transfer funds and make balance inquiries from your share or share draft (checking) account 24 hours a day, 7 days a week using an ATM. Also you can make over the counter purchases using a point of sale (POS) terminal debiting the money directly from your share draft account. Best of all it is accepted worldwide at millions of merchants displaying the MasterCard logo.

If you need to report your card lost or stolen you can call 1-833-462-0798, 7 days a week, 24 hours a day.

To dispute a transaction, please call one of our locations and we'll be happy to walk you through the process.

Reloadable Prepaid VISA Card

For wherever you go and whatever you need the prepaid VISA card will work for you.  You can make purchases domestically or internationally.  You can deposit funds from your credit union checking or savings visa a secure website or at any ACCU location.  Just present your card at time of purchase and the amount will be deducted from the card balance.

VISA Gift Card

For a wedding, a shower, a birthday, a graduation, or any occasion you can get the perfect gift by giving a VISA gift card.  These are accepted anywhere VISA is accepted including retail and online merchants, mail and phone orders.  We offer reloadable and non reloadable.  Ask any Credit Union staff member about these.



Meet our Lenders

Shay Hinrichs

NMLS #
1575921
(308) 754-2400
Learn More

Shay Hinrichs

Ag Loan Officer
(308) 754-2400

I have been in the financial industry for 10 years with 7 of those years specializing in the Ag Industry. I graduated with my Bachelor's in Business in 2016 from Bellevue University. As an Ag Loan Officer I am committed to develop and maintain strong relationships with area farmers, ranchers and agribusiness professionals. With my experience and education I, along with our great team, can assist you and your operation in meeting financial needs associated with the ever-changing Ag Industry.

I grew up 45 miles south of St. Paul in a small town called Giltner. I currently live with my longtime girlfriend Shelbea Mamot in Palmer, who is a 2nd grad teacher and volleyball coach for Palmer Public Schools. Shelbea and I together have 3 boys, Braylon, Paxton, Memphis, and 1 daughter, Briyer, as well as a dog, Bristol. We are excited and look forward to learning more about the community and becoming more involved in community events.

In our free time, Shelbea and I love to golf (I golf, she drives the cart), spend time on the boat at the lake, travel with the kids and spend quality time with friends and family.

Pages