Credit union · NCUA insured
AMOCO Federal Credit Union CD Rates
AMOCO Federal Credit Union’s best CD rate is 4.50% APY on a 3-year share certificate (CD). Terms run from 1 year to 7 years. Rates checked October 16, 2026.
How AMOCO Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where AMOCO Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
AMOCO Federal Credit Union
4.50%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,412
Certificate
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
AMOCO Federal Credit Union CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where AMOCO Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate
Up to 4.50%APY · 6 terms
Subject to membership eligibility. Dividends compound monthly. Early withdrawal penalties apply (12 months = 90 days dividends, 24-36 months = 120 days dividends, 48-60 months = 270 days dividends, 84 months = 365 days dividends). Minimum deposit required is $1,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty: 90 days’ dividends | 3.75% | $375 |
| 24 monthsEarly withdrawal penalty: 120 days’ dividends | 3.85% | $785 |
| 36 monthsEarly withdrawal penalty: 120 days’ dividends | 4.50% | $1,412 |
| 48 monthsEarly withdrawal penalty: 270 days’ dividends | 4.00% | $1,699 |
| 60 monthsEarly withdrawal penalty: 270 days’ dividends | 4.00% | $2,167 |
| 84 monthsEarly withdrawal penalty: 365 days’ dividends. Excludes Bump-Up and Stack-It Certificate options | 4.00% | $3,159 |
Sources (4)
- open.amocofcu.org/products
- amocofcu.org/certificates
- amocofcu.org/deposit-accounts
- amocofcu.org/deposit-rates
All captured Oct 6, 2026
Jumbo and Jumbo Plus Certificates
Up to 4.50%APY · 6 terms
Subject to membership eligibility. Early withdrawals are subject to penalty (12 months = 90 days dividends, 24-36 months = 120 days dividends, 48-60 months = 270 days dividends, 84 months = 365 days dividends). Minimum deposit required is $100,000.00 for Jumbo Certificate and $200,000.00 for Jumbo Plus Certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum deposit required for Jumbo Certificate is $100,000.00, Jumbo Plus Certificate is $200,000.00. Early withdrawal penalty: 90 days’ dividends | 3.90% | — |
| 24 monthsMinimum deposit required for Jumbo Certificate is $100,000.00, Jumbo Plus Certificate is $200,000.00. Early withdrawal penalty: 120 days’ dividends | 4.00% | — |
| 36 monthsMinimum deposit required for Jumbo Certificate is $100,000.00, Jumbo Plus Certificate is $200,000.00. Early withdrawal penalty: 120 days’ dividends | 4.50% | — |
| 48 monthsMinimum deposit required for Jumbo Certificate is $100,000.00, Jumbo Plus Certificate is $200,000.00. Early withdrawal penalty: 270 days’ dividends | 4.00% | — |
| 60 monthsMinimum deposit required for Jumbo Certificate is $100,000.00, Jumbo Plus Certificate is $200,000.00. Early withdrawal penalty: 270 days’ dividends | 4.00% | — |
| 84 monthsMinimum deposit required for Jumbo Certificate is $100,000.00, Jumbo Plus Certificate is $200,000.00. Early withdrawal penalty: 365 days’ dividends | 4.00% | — |
Sources (4)
- open.amocofcu.org/products
- amocofcu.org/certificates
- amocofcu.org/deposit-accounts
- amocofcu.org/deposit-rates
All captured Oct 6, 2026
Bump-Up Certificates
Up to 4.35%APY · 6 terms
Subject to membership eligibility. Lets you boost your rate one time if term rates go up at any point during your certificate's term. Early withdrawal penalties apply. Minimum deposit required is $1,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAllows a one-time rate bump if rates rise during term. Early withdrawal penalties apply | 3.60% | $360 |
| 24 monthsAllows a one-time rate bump if rates rise during term. Early withdrawal penalties apply | 3.70% | $754 |
| 36 monthsAllows a one-time rate bump if rates rise during term. Early withdrawal penalties apply | 4.35% | $1,363 |
| 48 monthsAllows a one-time rate bump if rates rise during term. Early withdrawal penalties apply | 3.85% | $1,631 |
| 60 monthsAllows a one-time rate bump if rates rise during term. Early withdrawal penalties apply | 3.85% | $2,079 |
| 84 monthsAllows a one-time rate bump if rates rise during term. Early withdrawal penalties apply | 3.85% | $3,027 |
Sources (3)
All captured Oct 6, 2026
Bump-Up Jumbo and Jumbo Plus Certificates
Up to 4.35%APY · 6 terms
Subject to membership eligibility. Early withdrawals are subject to penalty (12 months = 90 days dividends, 24-36 months = 120 days dividends, 48-60 months = 270 days dividends, 84 months = 365 days dividends). Allows a one-time rate boost if rates increase during term. Minimum deposit required for Bump-Up Jumbo Certificate is $100,000.00, Bump-Up Jumbo Plus Certificate is $200,000.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum deposit required for Jumbo Certificate is $100,000.00, Jumbo Plus Certificate is $200,000.00. Early withdrawal penalty: 90 days’ dividends. Boost rate one time if rates go up | 3.75% | — |
| 24 monthsMinimum deposit required for Jumbo Certificate is $100,000.00, Jumbo Plus Certificate is $200,000.00. Early withdrawal penalty: 120 days’ dividends. Boost rate one time if rates go up | 3.85% | — |
| 36 monthsMinimum deposit required for Jumbo Certificate is $100,000.00, Jumbo Plus Certificate is $200,000.00. Early withdrawal penalty: 120 days’ dividends. Boost rate one time if rates go up | 4.35% | — |
| 48 monthsMinimum deposit required for Jumbo Certificate is $100,000.00, Jumbo Plus Certificate is $200,000.00. Early withdrawal penalty: 270 days’ dividends. Boost rate one time if rates go up | 3.85% | — |
| 60 monthsMinimum deposit required for Jumbo Certificate is $100,000.00, Jumbo Plus Certificate is $200,000.00. Early withdrawal penalty: 270 days’ dividends. Boost rate one time if rates go up | 3.85% | — |
| 84 monthsMinimum deposit required for Jumbo Certificate is $100,000.00, Jumbo Plus Certificate is $200,000.00. Early withdrawal penalty: 365 days’ dividends. Boost rate one time if rates go up | 3.85% | — |
Sources (3)
All captured Oct 6, 2026
Special-purpose accounts
Stack-It Certificate
3.50%APY · 1 term
Available only to members ages 0-17 and must be connected to a youth account membership. Minimum opening deposit $100. Unlimited deposits allowed. Early withdrawal penalty: 120 days' dividends. Subject to membership eligibility.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsYouth accounts only (members ages 0-17 connected to a youth account membership). Unlimited deposits allowed. Early withdrawal penalty: 120 days’ dividends | 3.50% | $898 |
Who can join AMOCO Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of more than 560 partner companies offering AMOCO @Work as an employee benefit are eligible for membership.
Membership information collected October 5, 2026.