Deposit Rates

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ALL DEPOSIT RATES -Effective 05/1/25

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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
0.01%
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 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%

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.

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%

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.

Advantage Checking

The minimum opening deposit required for an Advantage Checking account is $500.00.

Account Balance Rate APY1
$500 to open
Up to $20,000.00
4.00%
4.07%
$20,000.00 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.

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%

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
0.20%
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.

Certificates Rates

Special Term Share Certificates Rates

Term Share Certificates (Standard, Jumbo, and Jumbo Plus)

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
3.69%
3.75%
24 Months / 2 Years
3.93%
4.00%
36 Months / 3 Years
4.17%
4.25%
48 Months / 4 Years
4.17%
4.25%
60 Months / 5 Years
4.17%
4.25%
84 Months / 7 Years
4.17%
4.25%

Jumbo and Jumbo Plus Term Share Certificates are available at the same rates.

Subject to membership eligibility. 1APY is annual percentage yield and is based on dividend compounding monthly. Advertised APYs are valid as of 05/01/2025. Offer subject to change without notice and cannot be combined with special promotions. Minimum Deposit Required for a Jumbo Term Share is $100,000.00. Minimum Deposit Required for a Jumbo Plus Term Share 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 Term Share Certificates (Standard, Jumbo, and Jumbo Plus)

Terms Rate
$1,000.00 and up
 APY1
$1,000.00 and up
12 Months / 1 Year
3.54%
3.60%
24 Months / 2 Years
3.78%
3.85%
36 Months / 3 Years
4.02%
4.10%
48 Months / 4 Years
4.02%
4.10%
60 Months / 5 Years
4.02%
4.10%
84 Months / 7 Years
4.02%
4.10%

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

Jumbo and Jumbo Plus Bump-Up Term Share Certificates are available at the same rates.

Start Saving

Subject to membership eligibility. 1APY = Annual Percentage Yield. Advertised APYs are valid as of 05/01/2025. Early withdrawals are subject to penalty. Offer subject to change without notice and cannot be combined with special promotions. Minimum Deposit Required for a Bump-Up Jumbo Term Share is $100,000.00. Minimum Deposit Required for a Bump-Up Jumbo Plus Term Share 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.