Member Rewards

Each month, members have the opportunity to level up based on usage of the qualifying products and services. To check your Member Rewards level, you can use the point chart above or send a Member Rewards Level Request.

Member Rewards points are calculated at the end of each month. The amount of points each member receives at the end of the month determines the Member Rewards level.

Saving matters. Whether it is for a financial emergency or a memorable moment, depositing funds on a regular basis will prepare you for whatever life brings your way. To receive Member Rewards points for Direct Deposit, the primary owner’s account must have $500 or more ACH deposits within 35 days beginning the first of the month.

You’ve worked hard to save for whatever life brings your way and we applaud you. Member Rewards points for Deposit Balance are determined by the primary owner’s cumulative balance on all of their accounts. The account types include; Savings (Share), Checking (Share Draft), Money Market, Certificates of Deposit (Term Share Certificates), and IRAs. 

Your money when you need it – with a tap or swipe of your card. To receive Member Rewards points for Debit Card, the primary account holder must make at least one debit card transaction per month, excluding ATM transactions. Be sure to add your AMOCO debit card to your mobile wallet for easy online purchases!

Credit cards are safer to carry and offer stronger fraud protection. To receive Credit Card Member Rewards points, the primary owner of the membership must have an AMOCO Credit Card.

There’s no better place than AMOCO to house your Mortgage. Member Rewards points are given to primary owners who have a Mortgage Loan with AMOCO.

The Mortgage Lender Credit applies specifically to AMOCO’s Lender Fee and can only apply to mortgage closing fees at the time of closing. Our Lender Fee is $1,500 for all mortgage loans except government loans (FHA & VA). If we have reduced our Lender Fee for any reason, for example, matching an offer from a competitor, the Lender Fee will be credited towards closing costs. The difference in the amount cannot be applied to third-party fees such as appraisals, title fees, or other closing costs.

To receive Member Rewards points for Auto loan, the primary owner of a membership must have an Auto loan with AMOCO. 

Everyone needs a checking, but you shouldn’t have to pay a monthly service fee or worry about a minimum balance to keep it open. If you are the primary owner of your membership and have a Checking Account (Share Draft), then you qualify to receive Member Rewards points!

The ATM Surcharge and Service fee will be reversed one business day after the fees have been charged. ATM fees will be reversed in one daily lump sum and will be reflected in your account.