Personal Loans
Whether you are attending college, consolidating debt or just want new furniture, AMOCO has a loan for you. Our loans provide you access to the future that you desire.
Credit Card
The only credit card you’ll ever need.
We know there are a lot of options for credit cards, that’s why we’ve created the only credit card you’ll ever need. Our Rewards card is perfect for emergencies and cash-free convenience. Plus, cardholders can benefit from the reward points earned for gift cards, airfare, hotel stays, merchandise, and cash back!
- Introductory rates starting at 0%1
- No annual, balance transfer, or over limit fees
- Spend $3,500 in the first 3 months and receive 10,000 bonus points
- Earn 1 reward point for every $1 spent
- Redeem points for airfare, hotel stays, car rentals, cruises, and more
- No hidden charges or teaser rates that rise when you least expect it
- Credit line up to $30,000 depending on credit eligibility
Not ready to apply yet? If you have questions, we have answers. Ask us before you apply, and we will make sure we get your questions answered.
APR = Annual Percentage Rate. 10% introductory rate for 6 months on retail purchases and balance transfers. Standard rate thereafter. Rates and terms determined by borrower’s credit qualifications. The standard APRs will vary with the market based on the Prime Rate. For a complete list of all rates and terms, visit us online at www.AMOCOfcu.org/loan-rates. Some fees and restrictions may apply. Subject to membership eligibility.
Personal Loans
We take responsible lending personal.
Our personal loans allow you to borrow for many different reasons. From vacation, to car repairs, to an emergency, sometimes taking out a personal loan can help your finances and keep you on your feet. We believe in responsible lending and will not offer you a personal loan if it does not help your financial future.
- Low fixed rate and terms up to 84 months
- No collateral required
- Skip-A-Payment opportunities
Not ready to apply yet? If you have questions, we have answers. Ask us before you apply, and we will make sure we get your questions answered.
Share Secured Loans
Invest in Your Credit.
With a share secured loan you can borrow against your own money at a low rate. A share secured loan is also a great option for anyone looking to improve their credit score and quickly!
- Low interest rate
- Improve your credit rating in no time
- Terms up to 144 months
Not ready to apply yet? If you have questions, we have answers. Ask us before you apply, and we will make sure we get your questions answered.
FFA Loans
We help you become a Future Farmer.
FFA (Future Farmers of America) is a great program for our youth to learn about agriculture and what it takes to own a ranch or farm. Unfortunately, agricultural needs can be expensive, from livestock needs to operations, there are a lot of costs involved to be successful. We help alleviate that financial burden, while teaching fiscal responsibility with our FFA loan.
- Borrow up to $3,000
- 1 year/1 payment
- No pre-payment penalties
- Parent(s) must cosign
Not ready to apply yet? If you have questions, we have answers. Ask us before you apply, and we will make sure we get your questions answered.
Debt Consolidation
Save Money, Simplify Bills With A Debt Consolidation Loan.
Simplify your life by consolidating all your bills into one easy payment. You no longer have to run from the 21% or higher you’re paying for your credit card and retail charge account bills.
- Pay off accumulated debt faster by reducing your rate significantly
- Low fixed rate and terms up to 84 months
- No collateral is required
- No pre-payment penalties
Not ready to apply yet? If you have questions, we have answers. Ask us before you apply, and we will make sure we get your questions answered.
Disaster Preparedness Loan
Prepare For Natural Disasters.
At AMOCO, we continue to look for new practical ways to serve the needs of our members and provide peace of mind. Our Disaster Preparedness Loan can help you prepare for these natural disasters.
You can use the funds to help you prepare and secure your home this storm season, such as:
- Home generators
- Storm windows
- Storm shutters
- Tree removal service
- Home solar power systems
Not ready to apply yet? If you have questions, we have answers. Ask us before you apply, and we will make sure we get your questions answered.
Other Personal Loans
We Have A Loan For That.
At AMOCO, we realize there are many “non-typical” items that you may want to finance. We make lending easy and offer loans on, tractors, horse trailers, golf carts, scooters and more.
- Terms up to 144 months (based on loan type)
- Loans up to $50,000 based on eligibility
- No pre-payment penalties
- Get $250 cash back for refinances $10,000 - $14,999
- Get $500 cash back for loans $15,000 or greater
- Member Loyalty Rate Discount
- Several convenient ways to manage and pay
Not ready to apply yet? If you have questions, we have answers. Ask us before you apply, and we will make sure we get your questions answered.
