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DEPOSIT RATES - Effective 12/01/18
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Account Type
Minimum Opening Deposit Required
Minimum Balance to Earn Dividends
Rate
APY*
Regular Shares
$5.00
$5.00
0.05%
0.05%
Share Draft
$0.001
$500.00
0.01%
0.01%
Azone
$5.00
$5.00
0.05%
0.05%
Holiday Club
$5.00
$5.00
0.05%
0.05%
C.U.M.M.A.
$2000.00
$100,000.00
0.75%
0.75%
$2000.00
$25,000.00
0.50%
0.50%
$2000.00
$2000.00
0.30%
0.30%
$2000.00
$5.00
0.05%
0.05%
IRA, Roth, Coverdell
$5.00
$5.00
0.30%
0.30%

*Annual Percentage Yield. Fees may reduce earnings. The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors. 1Minimum Deposit not required for Share Draft Account, however $50.00 is encouraged. All AMOCO Federal Credit Union accounts are federally insured by the National Credit Union Administration (NCUA). For most account owners, the NCUA limits of $250,000 is enough. For those needing more coverage, separate ownership of accounts may provide a convenient answer.

Term
Minimum Opening Deposit Required
Rate
APY*
12 Months
$1000.00
2.30%
2.32%
24 Months/2 Yrs
$1000.00
2.50%
2.53%
36 Months/3 Yrs
$1000.00
2.65%
2.68%
48 Months/4 Yrs
$1000.00
2.80%
2.84%
60 Months/5 Yrs
$1000.00
2.90%
2.94%

*The Annual Percentage Yield is based on the dividend compounding monthly. Minimum Deposit Required for a Term Share Account is $1000.00. For all certificate accounts, the amount of early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: Terms of Up to 1 year 90 days' dividends, Terms of Greater than 1 year, but less than 3 years 120 days' dividends, Terms of Greater than 3 years 270 days' dividends.

Term
Rate with $100,000 Minimum Requirement
APY*
Rate with $200,000 Minimum Requirement
APY*
12 Months
2.45%
2.48%
2.60%
2.63%
24 Months/2 Yrs
2.65%
2.68%
2.80%
2.84%
36 Months/3 Yrs
2.80%
2.84%
2.95%
2.99%
48 Months/4 Yrs
2.95%
2.99%
3.10%
3.14%
60 Months/ 5 Yrs
3.05%
3.09%
3.20%
3.25%

*APY is annual percentage yield. Minimum deposit to open and balance required to earn APY is $100,000. For all certificate accounts, the amount of early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: Terms of Up to 1 year 90 days' dividends, Terms of Greater than 1 year, but less than 3 years 120 days' dividends, Terms of Greater than 3 years 270 days' dividends.


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