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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 12/01/20

Piggy bank

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 0.30%
  • APY* 0.30%

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 $5.00
  • 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 Rates

Minimum Deposit Required $1,000
Rate
APY*
12 Months

24 Months/2 Years

36 Months/3 Years

48 Months/ 4 Years

60 Months/5 Years

84 Months/7 Years

0.40%

0.50%

0.60%

0.70%

0.80%

0.90%


0.40%

0.50%

0.60%

0.70%

0.80%

0.90%

Hassle Free CD and Bump Up CD  are 0.15% lower than the standard CD of the same term.

*The Annual Percentage Yield is based on the dividend compounding monthly. For Hassle-Free Certificate of Deposit Term Share accounts, you are allowed one withdrawal of the entire balance during the term not subject to an early withdrawal penalty. The amount of early withdrawal penalty is based on the withdrawal amount only for all other certificate accounts. The penalty schedule is as follows: Terms of 12 months or less 90 days’ dividends, Terms of 24 – 36 months 120 days’ dividends, Terms of 48 – 60 months 270 days’ dividends, Terms of 84 months or longer 365 days’ dividends.

Certificates Rates

Jumbo Certificates Rates

Minimum Opening Deposit Required $100,000
Rate
APY*
12 Months

24 Months/2 Years

36 Months/3 Years

48 Months/ 4 Years

60 Months/5 Years

84 Months/7 Years

0.40%

0.50%

0.60%

0.80%

0.90%

1.00%


0.40%

0.50%

0.60%

0.80%

0.90%

1.00%

Minimum Opening Deposit Required $200,000
Rate
APY*
12 Months

24 Months/2 Years

36 Months/3 Years

48 Months/ 4 Years

60 Months/5 Years

84 Months/7 Years

0.40%

0.50%

0.60%

0.90%

1.00%

1.10%


0.40%

0.50%

0.60%

0.90%

1.00%

1.11%

Hassle Free CD and Bump Up CD  are 0.15% lower than the standard CD of the same term.

*The Annual Percentage Yield is based on the dividend compounding monthly. For Hassle-Free Certificate of Deposit Term Share accounts, you are allowed one withdrawal of the entire balance during the term not subject to an early withdrawal penalty.  For all other certificate accounts, the amount of early withdrawal penalty is based on the withdrawal amount only. The penalty schedule is as follows: Terms of 12 months or less 90 days’ dividends, Terms of 24 – 36 months 120 days’ dividends, Terms of 48 – 60 months 270 days’ dividends, Terms of 84 months or longer 365 days’ dividends.

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