Savings That Snowball

Snowman

Transform your savings into something big and beautiful! With AMOCO’s Term Share Certificates, you can watch your savings snowball at rates as high as 4.00% APY* on a 60-month term. Whether it’s for education, a new car, your dream home, or retirement, place a freeze on your worries and maximize your future potential. Your bright future starts today!

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 12/01/2025 for all types of Term Share Certificate products with 60-month term. Early withdrawals are subject to penalty. Offer subject to change without notice and cannot be combined with special promotions. Other rates and terms are available. Visit www.AMOCOfcu.org/deposit-rates(opens in a new tab) for a complete list of rates and terms. Federally insured by NCUA.

Have an existing Term Share Certificate?

For a limited time, you can add funds to your existing Term Share Certificate and give your savings a boost. Make your deposit in three convenient ways:

  • Transfer funds using Online Banking
  • Connect with an AMOCO Representative using Video Banking
  • Visit a Branch

Offer valid 11/03/25 – 12/31/25 for all terms. Your current Term Share Certificate term and rate will not change. Early withdrawal penalties apply. Offer is subject to change without notice. Federally insured by NCUA.

How Do Term Shares Work?

Investing in a Term Share Certificate can be a good choice for people who want to keep their savings safe and secure and build wealth over time. A Term Share Certificate allows you to make money from your investment by offering a higher interest rate than a traditional savings account. Term Share 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!

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
3.69%
3.75%
36 Months / 3 Years
3.78%
3.85%
48 Months / 4 Years
3.78%
3.85%
60 Months / 5 Years
3.93%
4.00%
84 Months / 7 Years
3.93%
4.00%

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

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

Start Saving

Subject to membership eligibility. 1APY = Annual Percentage Yield. Advertised APYs are valid as of 12/01/2025. 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 Term Share is $100,000.00. Minimum Deposit Required for a Jumbo Plus Term Share 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.