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 08/01/22

Piggy bank

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

Certificates Rates

Term Share Certificates

Terms Rate APY1
12 Mths / 1 Yr
2.50%
2.53%
24 Mths / 2 Yrs2
3.00%
3.04%
36 Mths / 3 Yrs
2.50%
2.53%
48 Mths / 4 Yrs
2.50%
2.53%
60 Mths / 5 Yrs
2.50%
2.53%
84 Mths / 7 Yrs
2.50%
2.53%

Bump Up Term Share Certificates

Rate APY1
2.35%
2.38%
N/A
N/A
2.35%
2.38%
2.35%
2.38%
2.35%
2.38%
2.35%
2.38%

Hassle Free Term Share Certificates

Rate APY1
2.35%
2.38%

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 including Hassle Free Certificates and the Bump Up Certificates, excluding special promotions.

2Special 24-month term offer is valid as of July 18, 2022. A minimum deposit required for a Term Share is $1,000.00. Early withdrawals are subject to penalty. This special 24-month term share is not valid with Member Loyalty, Bump Up Certificates, or Hassle Free Certificates. This offer is subject to change without notice. Subject to membership eligibility.

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.

Certificates Rates

Jumbo Certificates Rates

Jumbo Term Share Certificates

Terms Rate APY1
12 Mths / 1 Yr
2.60%
2.63%
24 Mths / 2 Yrs2
3.00%
3.04%
36 Mths / 3 Yrs
2.60%
2.63%
48 Mths / 4 Yrs
2.60%
2.63%
60 Mths / 5 Yrs
2.60%
2.63%
84 Mths / 7 Yrs
2.60%
2.63%

Jumbo Bump Up Term Share Certificates

Rate APY1
2.45%
2.48%
N/A
N/A
2.45%
2.48%
2.45%
2.48%
2.45%
2.48%
2.45%
2.48%

Jumbo Hassle Free Term Share Certificates

Rate APY1
2.45%
2.48%

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 including Hassle Free Certificates and the Bump Up Certificates, excluding special promotions.

2Special 24-month term offer is valid as of July 18, 2022. A minimum deposit required for a Term Share is $100,000.00. Early withdrawals are subject to penalty. This special 24-month term share is not valid with Member Loyalty, Bump Up Certificates, or Hassle Free Certificates. This offer is subject to change without notice. Subject to membership eligibility.

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.

Certificates Rates

Jumbo Plus Certificates Rates

Jumbo Plus Term Share Certificates

Terms Rate APY1
12 Mths / 1 Yr
2.70%
2.73%
24 Mths / 2 Yrs2
3.00%
3.04%
36 Mths / 3 Yrs
2.70%
2.73%
48 Mths / 4 Yrs
2.70%
2.73%
60 Mths / 5 Yrs
2.70%
2.73%
84 Mths / 7 Yrs
2.70%
2.73%

Jumbo Plus Bump Up Term Share Certificates

Rate APY1
2.55%
2.58%
N/A
N/A
2.55%
2.58%
2.55%
2.58%
2.55%
2.58%
2.55%
2.58%

Jumbo Plus Hassle Free Term Share Certificates

Rate APY1
2.55%
2.58%

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 including Hassle Free Certificates and the Bump Up Certificates, excluding special promotions.

2Special 24-month term offer is valid as of July 18, 2022. A minimum deposit required for a Term Share is $200,000.00. Early withdrawals are subject to penalty. This special 24-month term share is not valid with Member Loyalty, Bump Up Certificates, or Hassle Free Certificates. This offer is subject to change without notice. Subject to membership eligibility.

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.