- 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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Checking 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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- 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 CUNA Brokerage Services, Inc., 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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- ACCESS MY ACCOUNT
- Special Offers
Deposit Accounts
Each of us have different reasons for saving our money. With some of the best rates on the market, AMOCO wants to make your savings possibilities endless. Whether you are wanting to start an emergency fund, stock away money for a vacation, or save for retirement, we have an account designed just for you!

Savings Account
Build Your Financial Foundation.
Building a financial future starts with a savings account. With as little as $1, you can open a savings account with AMOCO and start your financial foundation. Additionally, your savings account can be easily accessed if an emergency arises.
- Earn dividends on balances greater than $1
- No monthly maintenance fees
- Automatically deposit with payroll deduction or automatic transfer

A-ZONE Savings
Teach Responsible Savings Early.
Teaching responsible saving habits to your children prepares them to be successful adults. Not only are you laying a healthy financial foundation, this savings account has great perks for all minors under the age of 18.
- Earn dividends on balances greater than $1
- Free coin counting service
- Complimentary gift at account opening
To open an A-ZONE account, a parent or legal guardian must sign as the joint owner of the A-ZONE account. This account can be opened at the branch or through Video Banking. However, if the minor will be granted access to the A-ZONE account, the minor will need to complete the process by signing in-branch. Once the minor reaches the age of majority, he/she will now have full access to the account. If you have questions, please call us at 800.231.6053.

Certificates of Deposit
Earn Serious Dividends with a CD.
Certificates of Deposit return the greatest amount of interest if you do not plan to spend the deposit amount within your certificate term. You can save for one to seven years and see a greater return on your investment.
- Minimum opening deposit of only $1,000
- Jumbo certificates are available for a minimum opening balance of $100,000+
- Fixed, steady growth for your long-term savings needs
- Use your Member Loyalty Rewards to increase your savings for standard CDs or Jumbo CDs
Bump Up CD: A Bump Up CD has all the same terms as Standard CDs, but the interest rates are .15 bps lower across the board. Throughout the term of the CD, a member can use their one-time Bump Up to increase their rate. The Bump Up can be used during anytime of your CD term and will Bump Up to the standard CD rate of the same term. IRA One Time Bump Up CD options are also available.
The interest rate and maturity date is fixed. Early withdrawals are subject to penalty. IRA Standard CD options are also available. Member Loyalty Rewards cannot be applied to Bump Up Certificate of Deposit. Bump Up Certificate of Deposit has a one-time bump up that can be used once throughout the term of the Certificate of Deposit.

Individual Retirement Account (IRA)
Enjoy Huge Tax Advantages.
An IRA offers significant tax advantages that allows you to set aside money for retirement or education. At AMOCO, we offer Traditional, SEP, Roth and Coverdell ESA IRAs that help you achieve your financial goals.
- Earn dividends on balances greater than $1
- No annual fee
- Ideal rollover savings option

IRA Certificates of Deposit
Earn More with an IRA Certificate.
An IRA Certificate of Deposit is a great alternative for a retirement account or saving for education. You’ll get all the benefits of an IRA with added security, flexibility, and at a higher rate of return.
- Open with a minimum deposit of $1,000
- Ideal rollover savings option
- Traditional and Roth options available
To open an IRA Certificate of Deposit, please stop by a branch or through Video Banking.