- 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 offer a variety of Checking Accounts to fit your needs, whether you’re looking for no monthly fees, easy access to funds, or interest-earning options, all providing you with flexibility and convenience.
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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
Perks Checking
A checking account that offers more.
Boost your finances with our most popular checking account! Our Perks Checking is designed to reward you with money-saving benefits. With a minimum opening deposit of $50, you’ll receive discounts on shopping, dining, travel, and more. Additionally, you’ll have access to telemedicine, cell phone protection, roadside assistance, credit monitoring, early direct deposit, online and mobile banking, and more. It’s all the essentials you need bundled into one account.
- $50 Minimum opening deposit
- $8 Monthly maintenance fee*

*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 Perks 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.
Exclusive Benefits
Shop Local, Save Local1
Local discounts and national retailer deals to save you money on shopping, dining, travel and more.
Cell Phone Protection2,3
Receive up to $1,000 per claim ($2,000 per year) if your cell phone is broken or stolen.
Roadside Assistance
Available 24/7 and free to use, up to $80 in covered service charges.
Identity Monitoring2,4
Monitors the dark web to identify activity associated with your identity, including public records, change of address, social security, and non-credit loans.
Telemedicine4
Members have 24/7 access to licensed clinicians who perform healthcare services through video or telephone. No copay required.
Billshark4
Let experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.
BaZing Fuel5
Earn 10¢ or more per gallon for up to 20 gallons each month with just 15 debit card swipes.
ATM Refunds
Up to $10 per month in ATM service fee refunds available with your Perks Checking Account.
1Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals. 2Subject to the terms and conditions detailed in the Guide to Benefits. 3Insurance products are: NOT A DEPOSIT. NOT NCUA-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE CREDIT UNION. 4Requires activation to begin. 5You’ll receive a one-time activation reward of $0.10 per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice. 6 Qualification cycle: This term means a period beginning the 25th of the month through the 24th of the following month. *Savings may vary.
Additional Benefits
Free Credit Monitoring
Credit IQ is our credit monitoring tool powered by Savvy Money. AMOCO members have access to daily credit score updates, credit reports, and personalized offers.
Anywhere Banking Tools
Our Online Banking and Mobile App let you conveniently access your funds anytime, anywhere.
Early Direct Deposit
When you set up direct deposit, you can get paid ahead of time and access your funds up to one day earlier than your scheduled pay date1.
1Electronic payment may vary based on your employer’s payroll date.
Download The AMOCO Perks App
Unlock all of the exclusive Perks Checking benefits from your phone.
1. Download the “AMOCO Perks” app or visit www.BaZing.com on your computer and click “Get Started”.
2. Log in using your email and the temporary password sent to you upon account opening. You should have an activation email (from customer.service@bazing.com) in your email inbox after you open your account. If not, please contact BaZing at 1.855.822.9464.
3. Follow the on-screen prompts to complete your enrollment.
4. Start enjoying all that your Perks Checking Account has to offer.
Compare Our Checking Accounts
Fee - Free Perks
Meet the simple requirements each month and enjoy all of the perks without the fee.
Direct Deposit
Direct Deposit of $500 or more into your Perks Checking Account
Debit Card Usage
25 Debit Card swipes, each $5 or more.
eStatements
Enroll in eStatements.