- 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 an essential part of everyday life, but smart spending can bring you true financial peace of mind. At AMOCO, we offer a variety of checking products designed to provide convenience and flexibility, money-saving benefits, and opportunities to earn interest.
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Spend Accounts
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Want Affordable Checking?
We offer a variety of Checking Accounts to fit your needs, whether you’re looking for money-saving perks, no monthly fees, easy access to funds, or interest-earning options, all providing you with flexibility and convenience.
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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
Special Offers

Limited-Time Offers
Score Big Savings!
Term Share Certificates
Spring may be almost over, but your financial growth doesn’t have to be! With our Term Share Certificates, enjoy competitive rates up to to 4.25% APY*.It’s like a delightful picnic for your finances. Spring into action and save today!
Subject to membership eligibility. *APY = Annual Percentage Yield. Advertised APY is valid as of 05/01/2025 for all types of Term Share Certificate products with 36, 48, 60, and 84-month terms. Early withdrawals are subject to penalty. Offer subject to change without notice and cannot be combined with special promotions. Other rates and terms are available. Visit www.AMOCOfcu.org/deposit-rates for a complete list of rates and terms. Federally insured by NCUA.
You Could Be Surprised and Win a Trip!
Whether at your favorite coffee shop or local bookstore, use your AMOCO Mastercard* to receive an entry for a chance to win a 4-night trip to San Juan, Punta Cana, or the Bahamas – or a $50 Mastercard Prepaid” card: From 4/1/25 through 12/31/25, each eligible in-store purchase you make will earn one (1) entry for a chance to win:
• Round-trip air transportation
• Ground transportation
• Hotel accommodation
• Select onsite activities
• $500 Mastercard Prepaid” card
*NO PURCHASE NECESSARY. Void where prohibited. Open only to existing Mastercard cardholders who are legal residents of the 50 U.S. & DC, and legal age of majority before 4/1/25. PIN-based debit, international, corporate, online transactions, and transactions processed on a non-Mastercard operated network are ineligible. Non coffee shop and bookstore Mastercard transactions also qualify. Ends 12/31/25. For Official Rules & complete details, click here. Mastercard, Mastercard Prepaid, Priceless, and the circles design are trademarks of Mastercard International Incorporated. ©2025 Mastercard. All rights reserved.
Protection Bundle Discounts
Our Protection Bundle Discount program is designed to reward you with a rate discount when you choose to purchase add-on protection products for your loan. Check out how you can get a discount on your loan rate!
Member Discounts
More Discounts, More Savings!
Moody Gardens One Day Value Pass
We’re partnered with Moody Gardens to bring you exclusive discounts on their day passes, so you can enjoy all the fun and attractions at a great value!
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Moody Gardens Day Pass Only
Code: AMOCOEMP
A Checking Account That Offers More
Discover the advantages of our Perks Checking account, which is designed to offer you money-saving benefits. Enjoy discounts on local and online shopping, travel, and theme parks. Additionally, you’ll receive extra perks like fuel discounts, telemedicine, roadside assistance, cell phone protection, and more — all bundled into one account.
Access Cash Without Paying ATM Fees
When you need cash and can’t get to an AMOCO ATM, look for one of more than 55,000 surcharge-free Allpoint ATMs. You’ll find Allpoint ATMs in retail locations such as HEB, Kroger, Target, CVS, Walgreens and more. Just look for the Allpoint logo and use your AMOCO MasterCard Debit Card for fast, convenient ATM transactions that are always surcharge-free; we guarantee it! If you ever have a surcharge assessed at an Allpoint ATM, just give us a call, and we’ll take care of it.
Click or tap the Allpoint logo to find the nearest ATM or download the mobile app (Apple, Google). To find a cash deposit-accepting ATM, look for the Allpoint+ name!
Meet-Up Groups
Network, Enjoy Life.
We believe that life is better spent with friends. At AMOCO, we like to provide our members with a fun, easy way to socialize with their peers in our Meet-up Groups!
Financial Educational Resources
Boost Your Knowledge.
MoneyEdu
AMOCO has partnered with MoneyEdu to provide free, online financial education through interactive and self-paced courses, activities and worksheets giving members and the community access to financial education. In addition, if you create an account, you can save your progress and never lose your work.
- New themes every week
- Featured resources
- Calculators and assessments
- Interactive courses on over dozens of topics
- Create a portfolio of your goals and achievements