Make Your Move!

Pop, Lock, & Grow It.

Open an Account

Pop it in, lock it down, and drop into bigger returns with Certificate rates up to 4.00% APY*.

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 04/01/2026 for Certificate products with 36, 48, 60, and 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
3.78%
3.85%
24 Months / 2 Years
3.78%
3.85%
36 Months / 3 Years
3.93%
4.00%
48 Months / 4 Years
3.93%
4.00%
60 Months / 5 Years
3.93%
4.00%
84 Months / 7 Years
3.93%
4.00%

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

Jumbo and Jumbo Plus Certificates are available at the same rates.

Start Saving

Subject to membership eligibility. 1APY = Annual Percentage Yield. Advertised APYs are valid as of 04/01/2026. Early withdrawals are subject to penalty. Offer subject to change without notice and cannot be combined with special promotions. Minimum Deposit Required for a Jumbo Share Certificate is $100,000.00. Minimum Deposit Required for a Jumbo Plus Share 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.