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 02/1/25

Piggy bank

Saving/Checking Rates

Savings

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

Account Balance Rate APY1
$1.00 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 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.

A-ZONE Savings

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

Account Balance Rate APY1
$1.00 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.

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.

Checking

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.

Money Market

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
0.01%
0.01%
$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.

IRA, Roth, Coverdell

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.

Certificates Rates

Special Term Share Certificates Rates

Term Share Certificates (Standard, Jumbo, and Jumbo Plus)

Terms Rate
$1,000.00 and up
APY1
$1,000.00 and up
12 Months / 1 Year
3.69%
3.75%
24 Months / 2 Years
4.17%
4.25%
36 Months / 3 Years
4.17%
4.25%
48 Months / 4 Years
3.93%
4.00%
60 Months / 5 Years
3.69%
3.75%
84 Months / 7 Years
3.45%
3.50%

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

Jumbo and Jumbo Plus Term Share Certificates are available at the same rates.

Subject to membership eligibility. 1APY is annual percentage yield and is based on dividend compounding monthly. Advertised APYs are valid as of 02/01/2025. Offer subject to change without notice and cannot be combined with special promotions, including Member Rewards Certificate Rate Bump Up. Minimum Deposit Required for a Jumbo Term Share is $100,000.00. Minimum Deposit Required for a Jumbo Plus Term Share is $200,000.00. 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.  Rates are subject to change without notice. Federally insured by NCUA. 

Bump Up Term Share Certificates (Standard, Jumbo, and Jumbo Plus)

Terms Rate
$1,000.00 and up
APY1
$1,000.00 and up
12 Months / 1 Year
3.54%
3.60%
24 Months / 2 Years
4.02%
4.10%
36 Months / 3 Years
4.02%
4.10%
48 Months / 4 Years
3.78%
3.85%
60 Months / 5 Years
3.54%
3.60%
84 Months / 7 Years
3.30%
3.35%

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

Jumbo and Jumbo Plus Bump Up Term Share Certificates are available at the same rates.

 Subject to membership eligibility. 1APY is annual percentage yield and is based on dividend compounding monthly. Advertised APYs are valid as of 02/01/2025. Offer subject to change without notice and cannot be combined with special promotions, including Member Rewards Certificate Rate Bump Up. Minimum Deposit Required for a Bump Up Jumbo Term Share is $100,000.00. Minimum Deposit Required for a Bump Up Jumbo Plus Term Share is $200,000.00. 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. Rates are subject to change without notice. Federally insured by NCUA.