Special Offers

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Limited-Time Offers

Let Your Savings Fly High!

Layer on Rewards With Our Rewards Credit Card

Get your Rewards Credit Card now and enjoy a 0% Intro APR1 for the first 6 months while you layer up your rewards with every swipe. For every $1 you spend, you’ll earn double points2 to keep your winter wallet cozy. And just to warm things up even more, we’re adding 10,000 bonus points3.

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¹APR = Annual Percentage Rate. Offer valid 11/1/25 – 1/31/26. Fixed Rate applicable until the first day of the billing cycle that includes the six-month anniversary date of the opening of the credit card 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. ²Qualifying point-of-sale retail purchases made during the promotional period will earn double rewards points equal to (two) points for every $1 spent and will be credited to the credit card account within 60 days after the promotion ends. Cash advances and balance transfers are excluded from the promotional double rewards points offer. ³Bonus points offer is available to new credit cardholders only. Bonus points are separate from double rewards points and are credited as a lump sum after a minimum spend of $3,500 on qualifying purchases made within the first three months of the opening of the credit card account. Returned or disputed transactions may affect eligibility. It may take 7–10 business days after approval to receive your AMOCO Rewards Credit Card in the mail. Visit www.AMOCOfcu.org/disclosures to view our AMOCO REWARDS Program rules and disclosures. Additional restrictions may apply. AMOCO reserves the right to adjust or cancel the promotion at any time. Subject to membership eligibility.

Mortgage Rate Sale

Open the door to incredible savings with our Mortgage Rate Sale! Unlock a 0.50% APR* discount and receive up to $1,500 closing cost rebate1 when you lock in your rate by November 30.

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Offer valid only on new mortgage loans booked at AMOCO. *APR=Annual Percentage Rate. Mortgage loan rate locks submitted 09/10/25 – 11/30/25, will receive 0.50% off their APR. Mortgage loan rate locks are valid for up to 60 days. The actual rate may be higher based on the borrower’s credit score and the terms of the mortgage loan. Offer excludes government loans (FHA/VA) and manufactured homes. 1To qualify for AMOCO’s Home Loan Closing Cost Rebate, you must use one of our Preferred Realtors and book your mortgage through AMOCO. The rebate can only apply to closing costs at the time of closing. Total amount of credits not allowed to result in cash back to the borrower. The rebate amount is based on the amount of the mortgage loan and is paid from the Realtor commission and not by AMOCO. The rebate cannot be used for down payment, reserve requirements, or to meet borrower’s minimum required investment. AMOCO reserves the right to adjust or cancel this promotion at any time. Subject to membership eligibility.

Term Share Certificates

Soar beyond ordinary savings with our Term Share Certificates! When you lock in 4.00% APY* on a 60-month term, you’re not just saving — you’re setting your financial future on a path to soar.

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Subject to membership eligibility. *APY = Annual Percentage Yield. Advertised APY is valid as of 11/01/2025 for all types of Term Share Certificate products with 60-month term. 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

See Official Rules

*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!

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Discounts Save On Local Attractions

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!

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.

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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!

Allpoint ATMs
Meet-Up Groups Make Friends, Enjoy Life

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 Education

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