- 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
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.
Our Best Rate: 11.90% APR1
National Average: 24.61% APR2
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 premium merchandise, travel, gift cards, and more!
- 0% Intro APR for 6 months*
- Spend $3,500 in the first 3 months and receive 10,000 bonus points
- No annual, balance transfer, or over limit fees
- Earn 1 reward point for every $1 spent
- Flexible payment options with Buy Now, Pay Later program
- Redeem points for premium merchandise, travel, gift cards, 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
- Securely add your AMOCO Rewards card to your mobile wallet with Apple Pay, Samsung Pay, and Google Pay
- Manage and make payments online or with our mobile app
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. *Intro Fixed Rate applicable until the first day of the billing cycle that includes the 6 month anniversary date of the opening of your account. 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. 1Best Rate may vary based on personal credit history, terms, and other factors. 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. 2National Average Source: Lending Tree, as of November 7, 2024
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
- Member Rewards Loan Rate Discount
- Credit Builder and Credit Mender Loan options to build or rebuild your credit
- 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.
Credit Builder Loans
Build your credit and your savings.
If you need to build or rebuild your credit score, AMOCO offers Credit Builder and Credit Mender Loan options to improve your credit. Learn more about our Credit Builder Loans and view our frequently asked questions (FAQs).
- Members with limited and non-negative credit history are eligible
- Borrow up to $1,000 for Credit Builder Loan
- Borrow up to $2,500 for Credit Mender Loan
- Terms up to 24 months or 36 months
- The loan will be funded to a savings account and placed on hold to secure repayment
- Access to the funds once the loan is paid off
- Build payment history and savings at the same time
- 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.
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 have a loan designed to help you prepare for the unexpected. Get ahead of any potential inclement weather that can cause damages with our Disaster Preparedness Loan. Plus, if you currently have a Mortgage Loan with us, you could qualify for a rate discount!1
Ask us how we can save you hundreds per year on your insurance through 7 Insurance coverage.
- Home generators
- Storm windows
- Storm shutters
- Tree removal service
- Home solar power systems
Learn more by checking out our hurricane guide page here.
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
- Member Rewards Loan 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.