Brew Up Bigger Savings

Open a Certificate
Certificate Rates As High As 4.50% APY

Something magical is brewing. Earn up to 4.50% APY* with our Certificate and watch your savings grow. It’s a smart, secure way to grow the money you’ve worked hard to save.

How do I get started?

  • Minimum opening deposit of only $1,000
  • Jumbo Certificates are available for a minimum opening balance of $100,000
  • Jumbo Plus Certificates are available for a minimum opening balance of $200,000
  • Fixed, steady growth for your long-term savings needs
Get Started Now
Calculate Your Savings

Subject to membership eligibility. *APY = Annual Percentage Yield. Advertised APY is valid as of 10/01/2026 for Certificate products with 84 month terms and excludes Bump-Up and Stack-It Certificate options. Other rates and terms are available. Early withdrawals are subject to penalty. Offer subject to change without notice and cannot be combined with special promotions. Visit www.AMOCOfcu.org/deposit-rates(opens in a new tab) for a complete list of rates and terms. Federally insured by NCUA.

Double up the Magic!

For even more earning potential, open an Advantage Checking account to start earning dividends on your checking balance!
Learn More
Advantage Checking Rate: 4.00% APY*

How Do Certificates Work?

Investing in a Certificate can be a good choice for people who want to keep their savings safe and secure and build wealth over time. A Certificate allows you to make money from your investment by offering a higher interest rate than a traditional savings account. Certificates are a safe, low-risk investment at a fixed and guaranteed rate and term of your choosing. It’s also an opportunity for you to invest in yourself or save for something you’ve been wanting to do like a luxurious vacation, a remodeling project at home, or for higher education — just to name a few!

Money with a protection lock

Lock in your rate and term of
your choosing.

Clock

Wait and watch your money grow.

Checking

At maturity, access your funds or roll them into a new Term Share!

Certificate Rates

Terms Rate
$1,000.00 and up
 APY1
$1,000.00 and up
12 Months / 1 Year
3.69%
3.75%
24 Months / 2 Years
3.78%
3.85%
36 Months / 3 Years
4.41%
4.50%
48 Months / 4 Years
3.93%
4.00%
60 Months / 5 Years
3.93%
4.00%
84 Months / 7 Years
3.93%
4.00%
Start Saving

The minimum deposit required for a Certificate is $1,000.

Subject to membership eligibility. 1APY is annual percentage yield and is based on dividend compounding monthly. Advertised APYs are valid as of 10/01/2026. Early withdrawals are subject to penalty. For all certificate accounts, the early withdrawal penalty is as follows: Terms of 12 months = 90 days’ dividends, Terms of 24 – 36 months = 120 days’ dividends, Terms of 48 – 60 months = 270 days’ dividends, Terms of 84 months = 365 days’ dividends. Rates are subject to change without notice. Federally insured by NCUA.

Terms Rate APY1
$100,000 and up
12 Mths / 1 Yr
3.83%
3.90%
24 Mths / 2 Yrs
3.93%
4.00%
36 Mths / 3 Yrs
4.41%
4.50%
48 Mths / 4 Yrs
3.93%
4.00%
60 Mths / 5 Yrs
3.93%
4.00%
84 Mths / 7 Yrs
3.93%
4.00%
Start Saving

Subject to membership eligibility. 1APY = Annual Percentage Yield. Advertised APYs are valid as of 10/01/2026. Early withdrawals are subject to penalty. Minimum Deposit Required for a Jumbo Certificate is $100,000.00. Minimum Deposit Required for a Jumbo Plus Certificate is $200,000.00. Early withdrawals are subject to penalty. For all certificate accounts, the early withdrawal penalty is as follows: Terms of 12 months = 90 days’ dividends, Terms of 24 – 36 months = 120 days’ dividends, Terms of 48 – 60 months = 270 days’ dividends, Terms of 84 months = 365 days’ dividends. Rates are subject to change without notice. Federally insured by NCUA.