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.

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ALL DEPOSIT RATES -Effective 07/01/26

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Saving/Checking Rates

Savings
Savings Account Account Balance Rate APY1 Minimum Opening Deposit
Savings
$1.00 and up
0.01%
0.01%
$1.00
Youth Savings2
$1.00 and up
0.01%
0.01%
$1.00
Open an Account

Subject to membership eligibility. 1APY = 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. 2To open a Youth Savings account, an adult in good standing must sign as the joint owner of the account. 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.  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.

Checking
Checking Account Account Balance Rate APY1 Minimum Opening Deposit
AMOCO Checking2
$500 and up
0.01%
0.01%
No mimimum
Youth Checking
$1.00 and up
0.01%
0.01%
$25
Advantage Checking
Up to $20,000
3.93%
4.00%
$500
Advantage Checking
$20,000 and up
0.01%
0.01%
$500

View and compare all our Checking Accounts.

Open an Account

Subject to membership eligibility. 1APY = 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. 2The AMOCO Checking product is no longer available as a new account option and applies only to AMOCO Checking accounts opened on or before March 2025. 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 (CUMMA)
Account Balance Rate APY1
$2,000 to open
$1.00 and up
0.20%
0.20%

Subject to membership eligibility. 1APY = 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. 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
0.01%
0.01%

Subject to membership eligibility. 1APY = 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. 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

Certificates

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

Terms Rate
$1,000.00 and up
 APY1
$1,000.00 and up
12 Months / 1 Year
3.45%
3.50%
24 Months / 2 Years
3.45%
3.50%
36 Months / 3 Years
3.54%
3.60%
48 Months / 4 Years
3.54%
3.60%
60 Months / 5 Years
3.64%
3.70%
84 Months / 7 Years
3.64%
3.70%
Start Saving

Subject to membership eligibility. 1APY is annual percentage yield and is based on dividend compounding monthly. Advertised APYs are valid as of 06/01/2026. 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.

Jumbo and Jumbo Plus Certificates
Terms Rate APY1
$100,000 and up
12 Mths / 1 Yr
3.45%
3.50%
24 Mths / 2 Yrs
3.45%
3.50%
36 Mths / 3 Yrs
3.64%
3.70%
48 Mths / 4 Yrs
3.64%
3.70%
60 Mths / 5 Yrs
3.83%
3.90%
84 Mths / 7 Yrs
3.83%
3.90%
Start Saving

Subject to membership eligibility. 1APY = Annual Percentage Yield. Advertised APYs are valid as of 06/01/2026. Early withdrawals are subject to penalty. Minimum Deposit Required for a Jumbo Certificate is $100,000.00. Minimum Deposit Required for a Jumbo Plus Certificate 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 Certificates

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

Terms Rate
$1,000.00 and up
 APY1
$1,000.00 and up
12 Months / 1 Year
3.30%
3.35%
24 Months / 2 Years
3.30%
3.35%
36 Months / 3 Years
3.40%
3.45%
48 Months / 4 Years
3.40%
3.45%
60 Months / 5 Years
3.49%
3.55%
84 Months / 7 Years
3.49%
3.55%
Start Saving

Subject to membership eligibility. 1APY = Annual Percentage Yield. Advertised APYs are valid as of 06/01/2026. 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 Jumbo and Jumbo Plus Certificates
Terms Rate APY1
$100,000 and up
12 Mths / 1 Yr
3.30%
3.35%
24 Mths / 2 Yrs
3.30%
3.35%
36 Mths / 3 Yrs
3.49%
3.55%
48 Mths / 4 Yrs
3.49%
3.55%
60 Mths / 5 Yrs
3.69%
3.75%
84 Mths / 7 Yrs
3.69%
3.75%
Start Saving

Subject to membership eligibility. 1APY = Annual Percentage Yield. Advertised APYs are valid as of 06/01/2026. Early withdrawals are subject to penalty. Minimum Deposit Required for a Jumbo Certificate is $100,000.00. Minimum Deposit Required for a Jumbo Plus Certificate 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.

Stack-It Certificate (Youth Accounts Only)

The minimum deposit required for a Stack-It Certificate is $100.

Terms Rate
$100.00 and up
 APY1
$100.00 and up
30 Months
2.96%
3.00%
Start Saving

Subject to membership eligibility. 1APY = Annual Percentage Yield. Advertised APYs are valid as of 06/01/2026. Early withdrawals are subject to penalty. The early withdrawal penalty is as follows: Term of 30 months = 120 days’ dividends. Available only to members ages 0-17 and must be connected to a youth account membership. Rates are subject to change without notice. Federally insured by NCUA.