Deposit Accounts

Each of us have different reasons for saving our money. With some of the best rates on the market, AMOCO wants to make your savings possibilities endless. Whether you are wanting to start an emergency fund, stock away money for a vacation, or save for retirement, we have an account designed just for you!

Building a financial future starts with a savings account. With as little as $1, you can open a savings account with AMOCO and start your financial foundation. Additionally, your savings account can be easily accessed if an emergency arises.

Teaching responsible saving habits to your children prepares them to be successful adults. Not only are you laying a healthy financial foundation, this savings account has great perks for all minors under the age of 18.

Term Share Certificates return the greatest amount of interest if you do not plan to spend the deposit amount within your certificate term. You can save for one to seven years and see a greater return on your investment.

Special 24-Month Term: Special 24-month term offer is valid as of July 18, 2022. Early withdrawals are subject to penalty. This special 24-month term share is not valid with Member Loyalty or Hassle Free Certificates. This offer is subject to change without notice. Subject to membership eligibility.

Bump Up Certificate: A Bump Up Certificate has all the same terms as Standard Certificates, but the interest rates are .15 bps lower across the board. Throughout the term of the certificate, a member can use their one-time Bump Up to increase their rate. The Bump Up can be used during anytime of your certificate term and will Bump Up to the standard certificate rate of the same term. IRA One Time Bump Up Certificates are also available.

Hassle Free Certificate: A Hassle Free Certificate can be applied to any Standard, Jumbo or Jumbo Plus Certificate. A Hassle Free Certificate will allow members to close their certificate at any time during the term and will not be subject to an early withdrawal penalty. A Hassle Free Certificate has all the same terms as regular certificates, but the interest rates are .15 bps lower across the board. Our Member Loyalty Rewards Bump Up can be applied to Hassle Free Certificates.

APY is annual percentage yield and is based on dividend compounding monthly. 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. The Member Loyalty Certificate Rate Bump Up can be applied to all Term Share Certificate product types including Hassle Free Certificates and the Bump Up Certificates, excluding special promotions.


Use Member Loyalty Rewards to increase your savings for all Term Share Certificate product types, including Bump Up Certificates and Hassle Free Certificates.

An IRA offers significant tax advantages that allows you to set aside money for retirement or education. At AMOCO, we offer Traditional, SEP, Roth and Coverdell ESA IRAs that help you achieve your financial goals.

An IRA Term Share Certificate is a great alternative for a retirement account or saving for education. You’ll get all the benefits of an IRA with added security, flexibility, and at a higher rate of return.

To open an IRA Term Share Certificate, please stop by a branch or through Video Banking.