Deposit Rates

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ALL DEPOSIT RATES -Effective 3/1/23

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Saving/Checking Rates

The minimum opening deposit required for a Savings account is $1.00.

Account Balance Rate APY1
$1.00 and up
0.05%
0.05%

1Annual 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.All AMOCO Federal Credit Union accounts are federally insured by the Nation al 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.

The minimum opening deposit required for a youth A-ZONE Savings account is $1.00.

Account Balance Rate APY1
$1.00 and up
0.05%
0.05%

1Annual 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. 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.

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.

No minimum opening deposit required for a Checking account; however $50.00 is encouraged.

Account Balance Rate APY1
$500.00 and up
0.01%
0.01%

1Annual 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. 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.

The minimum opening deposit required for a Money Market account is $2,000.00.

Account Balance Rate APY1
$2,000 to open
Below $2,000.00
0.05%
0.05%
$2,000.00 and up
0.20%
0.20%

1Annual 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. 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.

No minimum opening deposit required.

Account Balance Rate APY1
$1.00 and up
0.20%
0.20%

1Annual 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. 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.

Term Share Certificates Rates

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

Terms Rate
$1,000.00 and up
 APY1
$1,000.00 and up
12 Months / 1 Year
5.00%
5.12%
24 Months / 2 Years
5.00%
5.12%
36 Months / 3 Years
4.50%
4.59%
48 Months / 4 Years
4.25%
4.33%
60 Months / 5 Years
4.00%
4.07%
84 Months / 7 Years
3.75%
3.82%
Start Saving

Subject to membership eligibility. 1APY = Annual Percentage Yield. Advertised APY is valid as of 02/06/2023 and is available for all types of Term Share Certificate products with 12 and 24 month terms. Early withdrawals are subject to penalty. Your Term Share Certificate may qualify for a Member Loyalty Bump Up. The special promotion of  0.85% Anniversary Bump-Up Rate offer cannot be combined with posted rates. Visit AMOCOfcu.org/deposit-rates for a complete list of rates and terms. Offer subject to change without notice.

MemberLoyaltyRewards_White_0322

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

Check Your Rate

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

Terms Rate
$1,000.00 and up
 APY1
$1,000.00 and up
12 Months / 1 Year
5.00%
5.12%
24 Months / 2 Years
5.00%
5.12%
36 Months / 3 Years
4.50%
4.59%
48 Months / 4 Years
4.25%
4.33%
60 Months / 5 Years
4.00%
4.07%
84 Months / 7 Years
3.75%
3.82%
Start Saving

Subject to membership eligibility. 1APY = Annual Percentage Yield. Advertised APY is valid as of 02/06/2023 and is available for all types of Term Share Certificate products with 12 and 24 month terms. Early withdrawals are subject to penalty. Member Loyalty Certificate Rate Bump Up can be applied to all Term Share Certificate product types. The special promotion of  0.85% Anniversary Bump-Up Rate offer cannot be combined with posted rates. Visit AMOCOfcu.org/deposit-rates for a complete list of rates and terms. Offer subject to change without notice.

MemberLoyaltyRewards_White_0322

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

Check Your Rate