Deposit Rates

With our high-yield rates, we make your efforts even more worthwhile by growing your money with our attractive rates. Check out our high yield rates below.

ALL DEPOSIT RATES -Effective 12/1/22

Saving/Checking Rates

Savings Account

  • Minimum Opening Deposit Required $1.00
  • Minimum Balance to Earn Dividends $1.00
  • Rate 0.05%
  • APY 0.05%

Money Market

  • Minimum Opening Deposit Required $2,000.00
  • Minimum Balance to Earn Dividends $25,000.00
  • Rate 0.20%
  • APY 0.20%

Money Market

  • Minimum Opening Deposit Required $2,000.00
  • Minimum Balance to Earn Dividends $2,000.00
  • Rate 0.20%
  • APY 0.20%

Money Market

  • Minimum Opening Deposit Required $2,000.00
  • Minimum Balance to Earn Dividends $1.00
  • Rate 0.05%
  • APY 0.05%

Annual percentage yield. Fees may reduce earnings. The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors. 1Minimum Deposit not required for Share Draft Account, however $50.00 is encouraged. All AMOCO Federal Credit Union accounts are federally insured by the National Credit Union Administration (NCUA). For most account owners, the NCUA limits of $250,000 is enough. For those needing more coverage, separate ownership of accounts may provide a convenient answer.

Certificates Rates

Term Share Certificates

Terms Rate APY1
12 Mths / 1 Yr
3.15%
3.20%
24 Mths / 2 Yrs
3.15%
3.20%
36 Mths / 3 Yrs
3.15%
3.20%
48 Mths / 4 Yrs
3.15%
3.20%
60 Mths / 5 Yrs
3.15%
3.20%
84 Mths / 7 Yrs
3.15%
3.20%

Bump Up Term Share Certificates

Rate APY1
3.00%
3.04%
3.00%
3.04%
3.00%
3.04%
3.00%
3.04%
3.00%
3.04%
3.00%
3.04%

Hassle Free Term Share Certificates

Rate APY1
2.85%
2.89%

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

1APY 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, excluding special promotions.

.85% Anniversary Bump-Up Plus Member Loyalty Rewards Ribbons

We’re celebrating 85 years in business by offering a special 0.85% Rate Bump-Up* on a new Term Share Certificate now through December 31, 2022! Plus, use Member Loyalty Rewards to increase your savings for all Term Share Certificate product types.

*Offer valid 10/17/22 – 12/31/22. Existing Term Share Certificates and automatic renewals do not qualify for the 0.85% rate bump-up. To qualify, the 0.85% rate bump-up must be mentioned upon the 10-day grace period prior or after renewal. Early withdrawals are subject to penalty. Member Loyalty Certificate Rate Bump Up can be applied in addition to 0.85% rate bump-up to all Term Share Certificate terms and product types. This offer is subject to change without notice. Rates are subject to change during promotional period. Federally insured by NCUA.

Jumbo Certificates Rates

Jumbo Term Share Certificates

Terms Rate APY1
12 Mths / 1 Yr
3.25%
3.30%
24 Mths / 2 Yrs
3.25%
3.30%
36 Mths / 3 Yrs
3.25%
3.30%
48 Mths / 4 Yrs
3.25%
3.30%
60 Mths / 5 Yrs
3.25%
3.30%
84 Mths / 7 Yrs
3.25%
3.30%

Jumbo Bump Up Term Share Certificates

Rate APY1
3.10%
3.14%
3.10%
3.14%
3.10%
3.14%
3.10%
3.14%
3.10%
3.14%
3.10%
3.14%

Jumbo Hassle Free Term Share Certificates

Rate APY1
2.95%
2.99%

The minimum deposit required for a Jumbo Term Share Certificate is $100,000.

1APY 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, excluding special promotions.

MemberLoyaltyRewards_White_0322

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

.85% Anniversary Bump-Up Plus Member Loyalty Rewards Ribbons

We’re celebrating 85 years in business by offering a special 0.85% Rate Bump-Up* on a new Term Share Certificate now through December 31, 2022! Plus, use Member Loyalty Rewards to increase your savings for all Term Share Certificate product types.

*Offer valid 10/17/22 – 12/31/22. Existing Term Share Certificates and automatic renewals do not qualify for the 0.85% rate bump-up. To qualify, the 0.85% rate bump-up must be mentioned upon the 10-day grace period prior or after renewal. Early withdrawals are subject to penalty. Member Loyalty Certificate Rate Bump Up can be applied in addition to 0.85% rate bump-up to all Term Share Certificate terms and product types. This offer is subject to change without notice. Rates are subject to change during promotional period. Federally insured by NCUA.

Jumbo Plus Certificates Rates

Jumbo Plus Term Share Certificates

Terms Rate APY1
12 Mths / 1 Yr
3.35%
3.40%
24 Mths / 2 Yrs
3.35%
3.40%
36 Mths / 3 Yrs
3.35%
3.40%
48 Mths / 4 Yrs
3.35%
3.40%
60 Mths / 5 Yrs
3.35%
3.40%
84 Mths / 7 Yrs
3.35%
3.40%

Jumbo Plus Bump Up Term Share Certificates

Rate APY1
3.20%
3.25%
3.20%
3.25%
3.20%
3.25%
3.20%
3.25%
3.20%
3.25%
3.20%
3.25%

Jumbo Plus Hassle Free Term Share Certificates

Rate APY1
3.05%
3.09%

The minimum deposit required for a Jumbo Plus Term Share Certificate is $200,000.

1APY 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, excluding special promotions.

MemberLoyaltyRewards_White_0322

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

.85% Anniversary Bump-Up Plus Member Loyalty Rewards Ribbons

We’re celebrating 85 years in business by offering a special 0.85% Rate Bump-Up* on a new Term Share Certificate now through December 31, 2022! Plus, use Member Loyalty Rewards to increase your savings for all Term Share Certificate product types.

*Offer valid 10/17/22 – 12/31/22. Existing Term Share Certificates and automatic renewals do not qualify for the 0.85% rate bump-up. To qualify, the 0.85% rate bump-up must be mentioned upon the 10-day grace period prior or after renewal. Early withdrawals are subject to penalty. Member Loyalty Certificate Rate Bump Up can be applied in addition to 0.85% rate bump-up to all Term Share Certificate terms and product types. This offer is subject to change without notice. Rates are subject to change during promotional period. Federally insured by NCUA.