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!

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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
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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 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
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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.

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
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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.