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.

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Rewards Credit Card

The only credit card you’ll ever need.

Our Best Rate: 11.40% 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
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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

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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.

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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
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Money with a protection lock

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
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FFA loans We help you become a Future Farmer

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
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Debt Consolidation Loan

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
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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
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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.

Subject to membership eligibility. 1Members with an AMOCO Mortgage must provide necessary documents for purchases to qualify for the rate discount. This offer is for new loans only and cannot be combined with other promotional offers. Rates and terms based on borrower’s credit qualifications and credit score. For a complete list of all rates and terms, visit us online at www.AMOCOfcu.org/loan-rates. Subject to credit approval.
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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.

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