- Save
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What Are You Saving For?
We all know how important saving money is. Whether you’re a dedicated saver or just beginning to build your savings; we offer a variety of safe and secure savings plans to help your money grow.
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Savings Accounts
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Open an Account Online
When you join AMOCO Federal Credit Union you begin your membership by opening a basic savings. This account establishes your ownership in the credit union and is the foundation you can build on to achieve your financial goals.
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- Spend
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What Are You Spending For?
Spending money is a daily part of living; however, smart spending allows you to save for your future. At AMOCO, we believe in investing in you and helping you build your nest egg to take care of yourself and your family.
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Spend Accounts
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Want Affordable Checking?
We believe that checking should be made simple, so we have one FREE checking account for all of our members. That’s right, no minimum balance requirements, no direct deposit requirements, no monthly service fee and unlimited transactions!
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- Borrow
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What Are You Borrowing For?
Our goal to make your financial dreams come true. Whether you are purchasing your first car, looking for a great credit card or want to own vacation homes, we help you fund your future.
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Loans
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Apply for a Loan Online
At AMOCO, we have loans for your wants and needs. We work hard to provide members with high-quality service, lower rates, and flexible payment options so you can get the most for your money.
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- Insure
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Protect What Matters!
Prepare for the unexpected. Our insurance plans can help you save big while offering excellent coverage. Don’t wait until it’s too late – contact us today to learn more about your options.
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Insurance
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Explore Coverage Plans
We’ve broadened our insurance offerings by partnering with reputable organizations. Let us help you find the coverage you need for the things that matter most to you. And the best part? You can potentially save hundreds of dollars annually.
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- Invest
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Invest In Yourself!
Plan our financial dreams – from saving for college to planning retirement. We’ll discover where you want to go and how you will get there.
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Start Investing
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Manage Your Investments
Through LPL Financial, you have the ability to manage multiple types of investments, access your account anywhere, anytime and partner with a professional to help understand your unique financial situation.
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- Business
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Ready to Take Your Business to New Heights?
Unlock the full potential of your business with our business account options! Our business accounts provide comprehensive
solutions for managing finances efficiently and effectively.
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Business Accounts
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Business Savings Account
Our Business Savings Account provides entrepreneurs a secure place to store operating capital, and save for business related purchases. With as little as $1, you can open a business savings account with AMOCO and start your financial foundation.
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- ACCESS MY ACCOUNT
Overdraft Protection Plans
We understand oversights happen, that’s why we offer Overdraft Protection. This service gives you the flexibility you need to manage your money with peace of mind when you face an emergency or unexpected expenses. Think of it as your very own safety bubble.
Account Management
Stay Up-To-Date On Your Balances.
The best way to minimize exposure to overdrafts is to actively manage your checking account by:
- Maintaining a monthly budget
- Register for Online Banking to view balances and transactions
- Set-up Account Alerts
- Reconcile your checking account on a timely basis.
Standard Overdraft Protection
Protect Your Checking Account.
Standard Overdraft Protection ensures your transactions are covered if you have insufficient funds. Your checking account can be linked to a savings account or a signature line of credit. It will automatically move the funds you have available in another linked account to the overdrawn account. Applicable interest will be incurred when standard Overdraft Protection is used from a Line of Credit loan.
Courtesy Pay
Your Own Little Safety Bubble.
This service allows the credit union to overdraft your checking account to cover checks and ACH transactions when all other funding sources are exhausted. The credit union will charge a fee of $20.00 for each overdraft and may pay your item(s) up to $520.00 (including fees), which will save you additional fees charged by merchants for returned checks or ACH transactions.
Standard Practices for Courtesy Pay:
- You will only pay a fee if and when you use the service.
- The Courtesy Pay fee will be waived if the amount of overdraft leaves your account balance negative $10.00 or less.
- The credit union will charge a fee of $20.00 each time we pay an overdraft.
- There is no limit of fees per day we will charge.
- The Courtesy Pay limit is $520.00 (including fees).
Courtesy Pay Plus
Protect Your Debit Card.
This protection plan requires your authorization. This service will add an additional layer of coverage to Courtesy Pay, by allowing the credit union to overdraft your checking account to cover debit card and ATM transactions when all other funding sources are exhausted. The credit union will charge a fee of $20.00 for each overdraft and may pay/authorize your item(s), debit card and ATM transactions up to $520.00 (including fees). To opt in visit a branch location near you or call us at 800.231.6053.
Standard Practices for Courtesy Pay Plus:
- You will only pay a fee if and when you use the service.
- The Courtesy Pay fee will be waived if the amount of overdraft leaves your account balance negative $10.00 or less.
- The credit union will charge a fee of $20.00 each time we pay an overdraft.
- There is no limit of fees per day we will charge.
- The Courtesy Pay limit is $520.00 (including fees).
The credit union pays overdrafts at its sole discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined and you will be charged a $20.00 NSF fee. Any overdraft incurred must be repaid immediately. The credit union may revoke your Courtesy Pay/Courtesy Pay Plus privileges at any time.