Loyalty Rewarded

At AMOCO, we appreciate loyalty

When you join AMOCO, you become a part of a credit union community. A community that understands the importance of relationships and the value of working together.

Member Loyalty Rewards

Loyalty Rewarded

Because relationships are everything.

As a member, you’ll always receive favorable rates on loans and deposits and pay little to no fees for checking account services. To show our gratitude, we celebrate our most loyal and active members by offering Member Loyalty Rewards. This program offers exclusive loan rate discounts, certificate rate bonus options,  ATM fee credits, and a mortgage lender credit! There are three levels of loyalty; Gold, Silver, and Bronze.

Gold

Member Loyalty Rewards*
  • 0.30% Loan Rate Discount1
  • 0.30% Certificate Rate Bump Up2
  • Up to $30.00 Monthly ATM Fee Credit
  • $1,500.00 Mortgage Lender Credit

Silver

Member Loyalty Rewards*
  • 0.20% Loan Rate Discount1
  • 0.20% Certificate Rate Bump Up2
  • Up to $20.00 Monthly ATM Fee Credit
  • $1,000.00 Mortgage Lender Credit

Bronze

Member Loyalty Rewards*
  • 0.10% Loan Rate Discount1
  • 0.10% Certificate Rate Bump Up2
  • Up to $10.00 Monthly ATM Fee Credit
  • $500.00 Mortgage Lender Credit

*Member Loyalty Rewards cannot be combined with other offers; and is subject to change and can be discontinued at any time without notice. 1Member Loyalty Loan Discount Rewards are available on new loans only and exclude the following loan types: real estate, credit cards, line of credit, share secured, and special promotional loan rates. 2Member Loyalty Certificate Bonus Rewards are available on new certificates only; including renewals.

Earn Points

Member Loyalty points are easy to earn and are based on the products and services you use at AMOCO.  The program is designed to offer instant rewards. Plus, you have the opportunity each month to level up to a higher Member Loyalty Reward tier when you use additional AMOCO products and services! Think of it as a ‘Thank You’ just for choosing AMOCO! 

Products and Services Point Value
Direct Deposit
7 points
Deposit Balance (minimum $50,000)
7 points
Debit Card (minimum one transaction per month)
5 points
Credit Card
5 points
Mortgage Loan
3 points
Auto Loan
2 points
Checking Account (Share Draft)
1 point

Member Loyalty Rewards FAQs

Browse Our Frequently Asked Questions Below.

Each month, members have the opportunity to level up based on usage of the qualifying products and services. To check your Member Loyalty level, you can use the point chart above, send a Member Loyalty Request, contact our Call Center at 800.231.6053, or stop by a branch.

Loyalty points are calculated at the end of each month. The amount of points each member receives at the end of the month determines the member’s loyalty level.

Saving matters. Whether it is for a financial emergency or a memorable moment, depositing funds on a regular basis will prepare you for whatever life brings your way. To receive Direct Deposit loyalty points, the primary owner’s account must have three consecutive months of  $500 or more ACH deposits. What can direct deposit help you save for?  

You’ve worked hard to save for whatever life brings your way and we applaud you. Loyalty points for Deposit Balance are determined by the primary owner’s cumulative balance on all of their accounts. The account types include; Savings (Share), Checking (Share Draft), Money Market, Certificates of Deposit (Term Share Certificates), and IRAs. 

Your money when you need it – with a tap or swipe of your card. To receive Debit Card loyalty points, the primary account holder must make at least one debit card transaction per month, excluding ATM transactions. Be sure to add your AMOCO debit card to your mobile wallet for easy online purchases!

Credit cards are safer to carry and offer stronger fraud protection. To receive Credit Card loyalty points, the primary owner of the membership must have an AMOCO Credit Card.

There’s no better place than AMOCO to house your Mortgage. Loyalty points are given to primary owners  who have a Mortgage Loan with AMOCO.

The Mortgage Lender Credit applies specifically to AMOCO’s Lender Fee and can only apply to mortgage closing fees at the time of closing. Our Lender Fee is $1,500 for all mortgage loans except government loans (FHA & VA). If we have reduced our Lender Fee for any reason, for example, matching an offer from a competitor, the Lender Fee will be credited towards closing costs. The difference in the amount cannot be applied to third-party fees such as appraisals, title fees, or other closing costs.

To receive the Auto Loan loyalty points, the primary owner of a membership must have an Auto loan with AMOCO. 

Everyone needs a checking, but you shouldn’t have to pay a monthly service fee or worry about a minimum balance to keep it open. If you are the primary owner of your membership and have a Checking Account (Share Draft), then you qualify to receive loyalty points!

The ATM Surcharge and Service fee will be reversed one business day after the fees have been charged. ATM fees will be reversed in one daily lump sum and will be reflected in your account.

2021 Rewards

MEMBERS EARNED

$701,898

In additional certificate dividends

MEMBERS SAVED

$1,310,184

In loan interest

Share AMOCO, Pocket Rewards!

We love referrals and rewarding members for it! Learn how you can give and receive a $50 e-Gift Card through our Share AMOCO Referral program.