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 usage should be rewarded

Credit Card

The only credit card you’ll ever need.

Best Rate: 0% introductory rate, 9.40% after the first 6 months


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!

Borrow for less at AMOCO

Personal Loans

We take responsible lending personal.

Best Rates: 7.90% APR1

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.

Secured loans Invest in Your Credit

Share Secured Loans

Invest in Your Credit.

Best Rates: 4.90% APR1

With a share secured loan you can borrow against your own money at a low rate. A shared secured loan is also a great option for anyone looking to improve their credit score and quickly!

FFA loans We help you become a Future Farmer

FFA Loans

We help you become a Future Farmer.

Best Rates: 8.50% APR1

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
Save Money, Simplify Bills With A Debt Consolidation Loan

Debt Consolidation

Save Money, Simplify Bills With A Debt Consolidation Loan.

Best Rates: 9.90% APR1

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

Other Personal Loans

We Have A Loan For That.

Best Rate: Rates vary based on loan product

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.

1 APR is Annual Percentage Rate. Best Rate may vary based on personal credit history, value of collateral, loan to value (LTV), terms and other factors. AMOCO Federal Credit Union provides details upon completion of loan application. Rates are subject to change at any time. AMOCO Federal Credit Union membership is required. For additional information, visit our Disclosures.

External Link Disclosure

By accessing this link, you will be leaving AMOCO FCU's website and entering a website hosted by another party.

Although AMOCO has approved this as a reliable partner site, please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the credit union's website. The other party is solely responsible for the content of its website.

We encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different than those of the credit union.

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Important Notice: Please be advised we will be performing system maintenance Saturday, August 17 from approximately 11:00 p.m. until Sunday, August 18 at approximately 5:00 a.m. We apologize for this inconvenience.
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Welcome to AMOCO

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Welcome to AMOCO

What are you looking to do?