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 2/1/24

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

Term Share Certificates Rates

Term Share Certificates (Including IRA Certificates)

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
3.50%
3.56%
24 Months / 2 Years
3.50%
3.56%
36 Months / 3 Years
3.00%
3.04%
48 Months / 4 Years
3.00%
3.04%
60 Months / 5 Years
3.00%
3.04%
84 Months / 7 Years
3.00%
3.04%

Subject to membership eligibility. 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. Your Term Share Certificate may qualify for a Member Rewards Certificate Rate Bump Up. Rates are subject to change without notice. Federally insured by NCUA. Subject to membership eligibility.

Member Rewards White Ribbons

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

Jumbo Term Share Certificates

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

Terms Rate APY1
$100,000 and up
12 Mths / 1 Yr
3.60%
3.66%
24 Mths / 2 Yrs
3.60%
3.66%
36 Mths / 3 Yrs
3.10%
3.14%
48 Mths / 4 Yrs
3.10%
3.14%
60 Mths / 5 Yrs
3.10%
3.14%
84 Mths / 7 Yrs
3.10%
3.14%

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. Your Jumbo Term Share Certificate may qualify for a Member Rewards Certificate Rate Bump Up. Rates are subject to change without notice. Federally insured by NCUA. Subject to membership eligibility.

wMemberRewards-WhiteRibbons_0823.png

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

Jumbo Plus Term Share Certificates

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

Terms Rate APY1
$200,000 and up
12 Mths / 1 Yr
3.70%
3.76%
24 Mths / 2 Yrs
3.70%
3.76%
36 Mths / 3 Yrs
3.20%
3.25%
48 Mths / 4 Yrs
3.20%
3.25%
60 Mths / 5 Yrs
3.20%
3.25%
84 Mths / 7 Yrs
3.20%
3.25%

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. Your Jumbo Plus Term Share Certificate may qualify for a Member Rewards Certificate Rate Bump Up. Rates are subject to change without notice. Federally insured by NCUA. Subject to membership eligibility.

wMemberRewards-WhiteRibbons_0823.png

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

Bump Up Term Share Certificates

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
3.50%
3.56%
24 Months / 2 Years
3.50%
3.56%
36 Months / 3 Years
3.00%
3.04%
48 Months / 4 Years
3.00%
3.04%
60 Months / 5 Years
3.00%
3.04%
84 Months / 7 Years
3.00%
3.04%

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. Your Bump Up Term Share Certificate may qualify for a Member Rewards Certificate Rate Bump Up. Rates are subject to change without notice. Federally insured by NCUA. Subject to membership eligibility.

Member Rewards White Ribbons

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

Bump Up Jumbo Term Share Certificates

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

Terms Rate APY1
$100,000 and up
12 Mths / 1 Yr
3.60%
3.66%
24 Mths / 2 Yrs
3.60%
3.66%
36 Mths / 3 Yrs
3.10%
3.14%
48 Mths / 4 Yrs
3.10%
3.14%
60 Mths / 5 Yrs
3.10%
3.14%
84 Mths / 7 Yrs
3.10%
3.14%

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. Your Bump Up Jumbo Term Share Certificate may qualify for a Member Rewards Certificate Rate Bump Up. Rates are subject to change without notice. Federally insured by NCUA. Subject to membership eligibility.

wMemberRewards-WhiteRibbons_0823.png

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

Bump Up Jumbo Plus Term Share Certificates

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

Terms Rate APY1
$200,000 and up
12 Mths / 1 Yr
3.70%
3.76%
24 Mths / 2 Yrs
3.70%
3.76%
36 Mths / 3 Yrs
3.20%
3.25%
48 Mths / 4 Yrs
3.20%
3.25%
60 Mths / 5 Yrs
3.20%
3.25%
84 Mths / 7 Yrs
3.20%
3.25%

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. Your Bump Up Jumbo Plus Term Share Certificate may qualify for a Member Rewards Certificate Rate Bump Up. Rates are subject to change without notice. Federally insured by NCUA. Subject to membership eligibility.

wMemberRewards-WhiteRibbons_0823.png

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