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!

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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.

  • Earn dividends on balances greater than $1
  • No monthly maintenance fees
  • Automatically deposit with payroll deduction or automatic transfer
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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.

  • Earn dividends on balances greater than $1
  • Complimentary gift at account opening
  • Kids 12 or under are automatically enrolled in our ACE's Club

To open a youth savings account, a parent or legal guardian must sign as the joint owner of the account. This account can be opened at the branch or through Video Banking. However, if the minor will be granted access to the account, the minor will need to complete the process by signing in-branch. Once the minor reaches the age of majority, he/she will now have full access to the account. If you have questions, please call us at 800.231.6053. 

Certificates of Deposit

Certificates

Grow your savings with the confidence of a locked‑in rate. Our Certificates offer fixed, reliable returns designed to support your long‑term financial goals.
  • 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
  • 12, 24, 36, 48, 60, and 84-month terms available
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Subject to membership eligibility. Early withdrawal penalties apply. 

Bump-Up Term Share Certificates

Bump-Up Certificates

Enjoy guaranteed growth with the potential to earn even more. A Bump‑Up Certificate lets you boost your rate one time if our term rates go up at any point during your certificate’s term—same term, higher earnings.
  • Minimum opening deposit of only $1,000
  • Bump-Up Jumbo Certificates are available for a minimum opening balance of $100,000
  • Bump-Up Jumbo Plus Certificates are available for a minimum opening balance of $200,000
  • 12, 24, 36, 48, 60, and 84-month terms available
Open Today
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Subject to membership eligibility. Early withdrawal penalties apply. 

IRA Certificates of Deposit

IRA Certificates

An IRA 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.

  • Minimum opening deposit of only $1,000
  • Ideal rollover savings option
  • Traditional and Roth options available
  • Unlimited annual contribution deposits*
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*Consult with your tax advisor. To open an IRA Certificate, please stop by a branch or through Video Banking. Cannot override IRS IRA rules for annual contributions, rollover, or transfer limitations. 

Stack of money

Stack-It Certificate

Give your children a head start with our Stack‑It Certificate. This certificate offers a simple and flexible way for young savers (members ages 0-17 only) to grow their money while learning smart long-term saving habits as they grow.
  • Minimum opening deposit of $100
  • Unlimited deposits
  • 30-month term
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Subject to membership eligibility. Early withdrawal penalties apply. $100 minimum opening deposit required. Available only to members ages 0-17 and must be connected to a youth account membership. Stack-It Certificates must be opened in a branch or via Video Banking. 

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.

  • Earn dividends on balances greater than $1
  • No annual fee
  • Ideal rollover savings option

Consult with your tax advisor. To learn more about IRAs offered at AMOCO, please stop by a branch or through Video Banking.

Checking

Money Market Account (CUMMA)

Enjoy Checking Convenience With Savings Power Built In.

A Money Market is the perfect account for someone that may need to access their funds but would like a higher interest rate while saving. At AMOCO, we offer a competitive interest rate, while giving you the flexibility of a checking account.

  • Earn dividends on balances of $1 or greater
  • No monthly maintenance fees
  • Multiple ways to access your account
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National Credit Union Share Insurance Coverage

Deposit Insurance - Coverage Portal

 Share Drafts, Joint Accounts, or Retirement Accounts coverage? We are here to help! 

The National Credit Union Share Insurance Fund provides deposit insurance to protect the accounts of credit union members at federally insured institutions in the United States.

To begin, please fill out the Share Insurance Estimator:

  • Click here to start the Share Insurance Estimator.

For questions about the NCUA’s Share Insurance Coverage, call 1.800.755.1030, option 1, Monday through Friday, 8:00 a.m. to 5:00 p.m. Eastern, or send an email to DCAmail@ncua.gov.