Give Your Savings a Glow-Up

Open a Certificate
Certificate Rates As High As 4.30% APY

Turn up the potential of your savings. Earn up to 4.30% APY* with our Certificate and lock in a guaranteed rate of return. 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 09/01/2026 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.

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
4.12%
4.20%
48 Months / 4 Years
4.17%
4.25%
60 Months / 5 Years
4.17%
4.25%
84 Months / 7 Years
4.22%
4.30%
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 09/01/2026. 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
4.12%
4.20%
48 Mths / 4 Yrs
4.17%
4.25%
60 Mths / 5 Yrs
4.17%
4.25%
84 Mths / 7 Yrs
4.22%
4.30%
Start Saving

Subject to membership eligibility. 1APY = Annual Percentage Yield. Advertised APYs are valid as of 09/01/2026. 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.