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
  • Free coin counting service
  • Complimentary gift at account opening
  • Kids 12 or under are automatically enrolled in our A-ZONE Kids Club

To open an A-ZONE account, a parent or legal guardian must sign as the joint owner of the A-ZONE account. This account can be opened at the branch or through Video Banking. However, if the minor will be granted access to the A-ZONE 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.

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.

  • 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
  • Use your Member Rewards to increase your savings for Standard Certificates or Bump-Up Certificates
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Calculate Your Savings
Member Rewards White Ribbons

Use Member Rewards to increase your savings for all Term Share Certificate product types.

This offer is subject to change without notice.

 A Bump-Up Certificate has all the same features as a term share certificate; however, when our term share certificate rates go up, you can use your one-time bump-up option to raise your rate anytime during the term of your certificate. A one-time bump-up will not change the terms of the certificate, and the rate must be equivalent to existing term.

  • 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
  • Fixed, steady growth for your long-term savings needs
  • Use your Member Rewards to increase your savings for Standard Certificates or Bump-Up Certificates
Get Started Now
Calculate Your Savings
Member Rewards White Ribbons

Use Member Rewards to increase your savings for all Term Share Certificate product types. 

This offer is subject to change without notice.

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
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Consult with your tax advisor. 

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.

  • Open with a minimum deposit of $1,000
  • Ideal rollover savings option
  • Traditional and Roth options available
  • Unlimited annual contribution deposits*

Consult with your tax advisor. To open an IRA Term Share Certificate, please stop by a branch or through Video Banking. *Cannot override IRS IRA rules for annual contributions, rollover, or transfer limitations.

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.