Business Rates

With our high-yield rates, we make your efforts even more worthwhile by growing your money with our attractive rates. Check out our high yield rates below.

ALL BUSINESS RATES -Effective 7/1/24

Business Account Rates

Savings

The minimum opening deposit required for a Savings account is $1.00.

Account Balance Rate APY1
$1.00 and up
0.01%
0.01%

1Annual 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.All AMOCO Federal Credit Union accounts are federally insured by the Nation al 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.

Money Market

The minimum opening deposit required for a Money Market account is $2,000.00.

Account Balance Rate APY1
$2,000 to open
Below $2,000.00
0.01%
0.01%
$2,000.00 and up
0.20%
0.20%

1Annual 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. 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 Share Certificates

The minimum deposit required for a Term Share Certificate is $1,000.

Terms Rate
$1,000.00 and up
 APY1
$1,000.00 and up
12 Months / 1 Year
3.50%
3.56%
24 Months / 2 Years
3.50%
3.56%
36 Months / 3 Years
3.00%
3.04%
48 Months / 4 Years
3.00%
3.04%
60 Months / 5 Years
3.00%
3.04%
84 Months / 7 Years
3.00%
3.04%

Subject to membership eligibility. 1APY is annual percentage yield and is based on dividend compounding monthly. Early withdrawals are subject to penalty. For all certificate accounts, the early withdrawal penalty is as follows: Terms of 12 months = 90 days’ dividends, Terms of 24 – 36 months = 120 days’ dividends, Terms of 48 – 60 months = 270 days’ dividends, Terms of 84 months = 365 days’ dividends. Rates are subject to change without notice. Federally insured by NCUA. Subject to membership eligibility.

Jumbo Term Share Certificates

The minimum deposit required for a Jumbo Term Share Certificate is $100,000.

Terms Rate APY1
$100,000 and up
12 Mths / 1 Yr
3.60%
3.66%
24 Mths / 2 Yrs
3.60%
3.66%
36 Mths / 3 Yrs
3.10%
3.14%
48 Mths / 4 Yrs
3.10%
3.14%
60 Mths / 5 Yrs
3.10%
3.14%
84 Mths / 7 Yrs
3.10%
3.14%

1APY is annual percentage yield and is based on dividend compounding monthly. Early withdrawals are subject to penalty. For all certificate accounts, the early withdrawal penalty is as follows: Terms of 12 months = 90 days’ dividends, Terms of 24 – 36 months = 120 days’ dividends, Terms of 48 – 60 months = 270 days’ dividends, Terms of 84 months = 365 days’ dividends. Rates are subject to change without notice. Federally insured by NCUA. Subject to membership eligibility.

Jumbo Plus Term Share Certificates

The minimum deposit required for a Jumbo Plus Term Share Certificate is $200,000.

Terms Rate APY1
$200,000 and up
12 Mths / 1 Yr
3.70%
3.76%
24 Mths / 2 Yrs
3.70%
3.76%
36 Mths / 3 Yrs
3.20%
3.25%
48 Mths / 4 Yrs
3.20%
3.25%
60 Mths / 5 Yrs
3.20%
3.25%
84 Mths / 7 Yrs
3.20%
3.25%

1APY is annual percentage yield and is based on dividend compounding monthly. Early withdrawals are subject to penalty. For all certificate accounts, the early withdrawal penalty is as follows: Terms of 12 months = 90 days’ dividends, Terms of 24 – 36 months = 120 days’ dividends, Terms of 48 – 60 months = 270 days’ dividends, Terms of 84 months = 365 days’ dividends. Rates are subject to change without notice. Federally insured by NCUA. Subject to membership eligibility.

Bump Up Term Share Certificates

The minimum deposit required for a Bump Up Term Share Certificate is $1,000.

Terms Rate
$1,000.00 and up
 APY1
$1,000.00 and up
12 Months / 1 Year
3.50%
3.56%
24 Months / 2 Years
3.50%
3.56%
36 Months / 3 Years
3.00%
3.04%
48 Months / 4 Years
3.00%
3.04%
60 Months / 5 Years
3.00%
3.04%
84 Months / 7 Years
3.00%
3.04%

1APY is annual percentage yield and is based on dividend compounding monthly. Early withdrawals are subject to penalty. For all certificate accounts, the early withdrawal penalty is as follows: Terms of 12 months = 90 days’ dividends, Terms of 24 – 36 months = 120 days’ dividends, Terms of 48 – 60 months = 270 days’ dividends, Terms of 84 months = 365 days’ dividends. Rates are subject to change without notice. Federally insured by NCUA. Subject to membership eligibility.

Bump Up Jumbo Term Share Certificates

The minimum deposit required for a Bump Up Jumbo Term Share Certificate is $100,000.

Terms Rate APY1
$100,000 and up
12 Mths / 1 Yr
3.60%
3.66%
24 Mths / 2 Yrs
3.60%
3.66%
36 Mths / 3 Yrs
3.10%
3.14%
48 Mths / 4 Yrs
3.10%
3.14%
60 Mths / 5 Yrs
3.10%
3.14%
84 Mths / 7 Yrs
3.10%
3.14%

1APY is annual percentage yield and is based on dividend compounding monthly. Early withdrawals are subject to penalty. For all certificate accounts, the early withdrawal penalty is as follows: Terms of 12 months = 90 days’ dividends, Terms of 24 – 36 months = 120 days’ dividends, Terms of 48 – 60 months = 270 days’ dividends, Terms of 84 months = 365 days’ dividends.  Rates are subject to change without notice. Federally insured by NCUA. Subject to membership eligibility.

Bump Up Jumbo Plus Term Share Certificates

The minimum deposit required for a Bump Up Jumbo Plus Term Share Certificate is $200,000.

Terms Rate APY1
$200,000 and up
12 Mths / 1 Yr
3.70%
3.76%
24 Mths / 2 Yrs
3.70%
3.76%
36 Mths / 3 Yrs
3.20%
3.25%
48 Mths / 4 Yrs
3.20%
3.25%
60 Mths / 5 Yrs
3.20%
3.25%
84 Mths / 7 Yrs
3.20%
3.25%

1APY is annual percentage yield and is based on dividend compounding monthly. Early withdrawals are subject to penalty. For all certificate accounts, the early withdrawal penalty is as follows: Terms of 12 months = 90 days’ dividends, Terms of 24 – 36 months = 120 days’ dividends, Terms of 48 – 60 months = 270 days’ dividends, Terms of 84 months = 365 days’ dividends. Rates are subject to change without notice. Federally insured by NCUA. Subject to membership eligibility.