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 9/1/23

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Saving/Checking Rates

Savings

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

Account Balance	Rate	APY¹
$1.00 and up	0.05%	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.

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	0.05%	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.

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	0.05%	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.

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.

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	4.00%	4.07%
24 Months / 2 Years	4.00%	4.07%
36 Months / 3 Years	4.00%	4.07%
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. Early withdrawals are subject to penalty. Your Term Share Certificate may qualify for a Member Rewards Certificate Rate Bump Up. Offer subject to change without notice.

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

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	4.00%	4.07%
24 Months / 2 Years	4.00%	4.07%
36 Months / 3 Years	4.00%	4.07%
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 = Annual Percentage Yield. Early withdrawals are subject to penalty. Member Rewards Certificate Rate Bump Up can be applied to all Term Share Certificate product types. Offer subject to change without notice.

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

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