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 5/01/22

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 of Deposit

Terms Rate APY1
12 Mths / 1 Yr
0.65%
0.65%
24 Mths / 2 Yrs
0.75%
0.75%
36 Mths / 3 Yrs
0.85%
0.85%
48 Mths / 4 Yrs
1.05%
1.06%
60 Mths / 5 Yrs
1.15%
1.16%
84 Mths / 7 Yrs
1.25%
1.26%

Bump Up Certificates of Deposit

Rate APY1
0.50%
0.50%
0.60%
0.60%
0.70%
0.70%
0.90%
0.90%
1.00%
1.00%
1.10%
1.11%

Hassle Free Certificates of Deposit

Rate APY1
0.50%
0.50%

The minimum deposit required for Certificates of Deposit are $1,000.

1APY is annual percentage yield and is based on dividend compounding monthly. Early withdrawals are subject to penalty except on the 12 month Hassle Free CDs. For all other CD terms, the early withdrawal penalty is as follows: 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 CD product types including Hassle Free CD and the Bump Up CD.

MemberLoyaltyRewards_White_0322

Use Member Loyalty Rewards to increase your savings for all Certificates of Deposit product types, including Bump Up CDs and Hassle Free CDs.

Jumbo Certificates Rates

Jumbo Certificates of Deposit

Terms Rate APY1
12 Mths / 1 Yr
0.75%
0.75%
24 Mths / 2 Yrs
0.85%
0.85%
36 Mths / 3 Yrs
0.95%
0.95%
48 Mths / 4 Yrs
1.15%
1.16%
60 Mths / 5 Yrs
1.25%
1.26%
84 Mths / 7 Yrs
1.35%
1.36%

Jumbo Bump Up Certificates of Deposit

Rate APY1
0.60%
0.60%
0.70%
0.70%
0.80%
0.80%
1.00%
1.00%
1.10%
1.11%
1.20%
1.21%

Jumbo Hassle Free Certificates of Deposit

Rate APY1
0.60%
0.60%

The minimum deposit required for Jumbo Certificates of Deposit are $100,000.

1APY is annual percentage yield and is based on dividend compounding monthly. Early withdrawals are subject to penalty except on the 12 month Hassle Free CDs. For all other CD terms, the early withdrawal penalty is as follows: 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 CD product types including Hassle Free CD and the Bump Up CD.

MemberLoyaltyRewards_White_0322

Use Member Loyalty Rewards to increase your savings for all Certificates of Deposit product types, including Bump Up CDs and Hassle Free CDs.

Jumbo Plus Certificates Rates

Jumbo Plus Certificates of Deposit

Terms Rate APY1
12 Mths / 1 Yr
0.85%
0.85%
24 Mths / 2 Yrs
0.95%
0.95%
36 Mths / 3 Yrs
1.05%
1.05%
48 Mths / 4 Yrs
1.25%
1.26%
60 Mths / 5 Yrs
1.35%
1.36%
84 Mths / 7 Yrs
1.45%
1.46%

Jumbo Plus Bump Up Certificates of Deposit

Rate APY1
0.70%
0.70%
0.80%
0.80%
0.90%
0.90%
1.10%
1.11%
1.20%
1.21%
1.30%
1.31%

Jumbo Plus Hassle Free Certificates of Deposit

Rate APY1
0.70%
0.70%

The minimum deposit required for Jumbo Plus Certificates of Deposit are $200,000.

1APY is annual percentage yield and is based on dividend compounding monthly. Early withdrawals are subject to penalty except on the 12 month Hassle Free CDs. For all other CD terms, the early withdrawal penalty is as follows: 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 CD product types including Hassle Free CD and the Bump Up CD.

MemberLoyaltyRewards_White_0322

Use Member Loyalty Rewards to increase your savings for all Certificates of Deposit product types, including Bump Up CDs and Hassle Free CDs.