- 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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Spend 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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- Insure
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Protect What Matters!
Prepare for the unexpected. Our insurance plans can help you save big while offering excellent coverage. Don’t wait until it’s too late – contact us today to learn more about your options.
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Insurance
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Explore Coverage Plans
We’ve broadened our insurance offerings by partnering with reputable organizations. Let us help you find the coverage you need for the things that matter most to you. And the best part? You can potentially save hundreds of dollars annually.
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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 LPL Financial, 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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- Business
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Ready to Take Your Business to New Heights?
Unlock the full potential of your business with our business account options! Our business accounts provide comprehensive
solutions for managing finances efficiently and effectively.
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Business Accounts
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Business Savings Account
Our Business Savings Account provides entrepreneurs a secure place to store operating capital, and save for business related purchases. With as little as $1, you can open a business savings account with AMOCO and start your financial foundation.
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- ACCESS MY ACCOUNT
2025 Fee Schedule
The Fee Schedule provides a detailed list of the fees and minimum balances associated with each of the products and services AMOCO offers.
All Fees - Effective 03/10/25
Checking Account Maintenance Fees | |
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Advantage Checking | $8.00 per month* |
Perks Checking | $8.00 per month** |
Reset Checking | $10.00 per month |
*Fee will be waived with a qualifying monthly Direct Deposit of $1,000 or more, and an average daily balance of $1,000 or more. **Fee will be waived when the following requirements are met monthly: a qualifying Direct Deposit of $500 or more, 25 debit card transactions that are each $5 or greater, and eStatement enrollment. A qualifying Direct Deposit is a regular recurring ACH deposit to the checking account. Qualified ACH deposits are income (such as salary, pension, or investment income), government payments (such as social security), payroll or benefits from your employer, and self-employment income received through a secure payment system (such as Square, Stripe, or Clover) that occurs through the Automated Clearing House (ACH) Network.
Safe Deposit Box Rental & Maintenance | |
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3x5 | $40.00* |
5x5 | $60.00* |
3x10 | $70.00* |
5x10 | $100.00* |
7x10 | $120.00* |
10x10 | $150.00* |
15x10 | $175.00* |
Drilling if both keys are lost | $250.00 per drilling |
Replacement key | $25.00 per key |
*This is an annual fee per box rental. Safe deposit box sizes vary by location.
General Account Fees | |
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Account Reconciliation/Research | $20.00 per hour |
Cash Advance | 3% of cash advance amount | Minimum $10 | Maximum $25 |
Cashier's Check | $3.00 per item |
Cashier's Check (stop payment) | $30.00 per item |
Certified Check | $5.00 per item |
Coin Machine (loose coin only) | 5% of total |
Collection Item (incoming) | $25.00 per item |
Debit Card Dispute Denial Fee | $30.00 per denial |
Dormant Account (after 1 year of dormancy) | $10.00 per month |
Duplicate Deposit Fee | $30.00 per deposit |
FED Bank Wire Outgoing (United States) | $20.00 per wire |
FED Bank Wire Outgoing (Outside United States) | $35.00 per wire |
Garnish/Levy | $75.00 per item |
Insufficient Funds (Share Draft, ACH, Debit Card) | $20.00 per item |
Loan Payment by Phone | $10.00 per payment |
Money Order | $1.00 per item |
Non-AMOCO ATM Transactions - Some terminals have an additional fee for use of their machine. | $2.00 per transaction |
Overdraft Courtesy | $20.00 per item |
Printed Checks | Based on design and quantity |
Returned Loan Payments (Check or ACH) | $30.00 per item |
Returned Mail (account statements) | $5.00 per statement |
Stop Payment | $30.00 per item |
Non-AMOCO Members | |
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Cashier's Check | $10.00 per item |
Coin Machine (loose coin only) | 10% of total |
Fees are based on either the credit union’s direct cost for each service and/or the man hours necessary to offer each service or perform each service for our membership.