There’s no better time to safely invest your money with our tried and proven Term Share and Bump-Up Certificates with rates as high as 5.12% APY1. Our certificates help you know what you’re saving and when, by offering multiple terms from – one to seven years — to help you save for a rainy day, remodeling projects at home, education, and more! Plus, the best part, with Member Loyalty Rewards, you can increase your rate even more!

Visit one of our branches or take advantage of our Video Banking and virtually speak with a live AMOCO representative who can help your money soar with our Term Share Certificate options to help you build sound investments!

How do I get started?

Subject to membership eligibility. 1APY = Annual Percentage Yield. Advertised APY is valid as of 02/06/2023 and is available for all types of Term Share and Bump-Up Certificate products with 12- and 24-month terms. Early withdrawals are subject to penalty. Member Loyalty Certificate Rate Bump-Up can be applied to all Term Share Certificate product types. The special promotion of 0.85% Anniversary Bump-Up Rate offer cannot be combined with posted rates. Visit for a complete list of rates and terms. Offer subject to change without notice.

How Do Term Shares Work?

Investing in a Term Share Certificate can be a good choice for people who want to keep their savings safe and secure and build wealth over time. A Term Share Certificate allows you to make money from your investment by offering a higher interest rate than a traditional savings account. Term Share Certificates are a safe, low-risk investment at a fixed and guaranteed rate and term of your choosing. It’s also an opportunity for you to invest in yourself or save for something you’ve been wanting to do like a luxurious vacation, a remodeling project at home, or for higher education — just to name a few!

Lock in your rate and term of
your choosing.

Wait and watch your money grow.

Withdraw at the end of your term or roll your savings into a new Term Share!