☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
Amoco Federal Credit Union

iAdvertiser Disclosure

Amoco Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Amoco Federal Credit Union?

Current rates for Amoco Federal Credit Union include: 12-Month CD: 3.60%, 24-Month CD: 3.70%, 60-Month CD: 3.85%, Savings: 0.01%, MMA: 0.20%

Q: What CD terms does Amoco Federal Credit Union offer?

Amoco Federal Credit Union CD rates are 3.75% APY for a 12 month CD, 3.85% APY for a 2 year CD, 4.50% APY for a 3 year CD, 4.00% APY for a 4 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Amoco Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Amoco Federal Credit Union's 36 Month CD rates are at 4.50%, 48 Month CD rates are at 4.00%, 60 Month CD rates are at 4.00%, 24 Month CD rates are at 3.85%, 12 Month CD rates are at 3.75%. Amoco Federal Credit Union's savings rates are at 0.01%. Amoco Federal Credit Union's money market rates are at 0.20%. Amoco Federal Credit Union's checking rates are as high as 4.00%. Amoco Federal Credit Union's Personal Loan Rates are as low as 10.05%. Amoco Federal Credit Union's CD rates are 39% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Amoco Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.70%. Rates last updated and verified on 10/28/2026.

Amoco Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Amoco Federal Credit Union? Share your experience about Amoco Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Amoco Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.70%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Amoco Federal Credit Union
Texas City Admin & Training Facility

6807 Emmett F Lowry Expy Ste 200
Texas City, TX 77591

https://www.amocofcu.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Amoco Federal Credit Union CD Rates

Product	Rate	APY	Term
36 Month Certificate	4.41%	4.50%	36 Months / 3 Years
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 and up; Early withdrawal penalty: 120 days' dividends Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
36 month / 3 years Jumbo and Jumbo Plus Certificates	4.41%	4.50%	36 months / 3 years
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
36 month / 3 years Jumbo Certificate	4.41%	4.50%	36 months / 3 years
Min Balance $100,000 Details Jumbo and Jumbo Plus Certificates; $100,000 and up; APY $100,000 and up Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Bump-Up Certificate - 36 month / 3 Years	4.27%	4.35%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 and up; Advertised APYs valid as of 10/01/2026; Early withdrawal penalty: 120 days' dividends Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05% Oct 4, 20264.35%▲ from 4.05% Sep 25, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
36 month / 3 years Bump-Up Jumbo Certificate	4.27%	4.35%	36 months / 3 years
Min Balance $100,000 Details Balance: $100,000 and up; Table heading: Bump-Up Jumbo and Jumbo Plus Certificates Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
48 Month Certificate	3.93%	4.00%	48 Months / 4 Years
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 and up; Early withdrawal penalty: 270 days' dividends Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
60 Month Certificate	3.93%	4.00%	60 Months / 5 Years
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 and up; Early withdrawal penalty: 270 days' dividends Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
24 month / 2 years Jumbo and Jumbo Plus Certificates	3.93%	4.00%	24 months / 2 years
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
48 month / 4 years Jumbo and Jumbo Plus Certificates	3.93%	4.00%	48 months / 4 years
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
60 month / 5 years Jumbo and Jumbo Plus Certificates	3.93%	4.00%	60 months / 5 years
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
24 month / 2 years Jumbo Certificate	3.93%	4.00%	24 months / 2 years
Min Balance $100,000 Details Jumbo and Jumbo Plus Certificates; $100,000 and up; APY $100,000 and up Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
48 month / 4 years Jumbo Certificate	3.93%	4.00%	48 months / 4 years
Min Balance $100,000 Details Jumbo and Jumbo Plus Certificates; $100,000 and up; APY $100,000 and up Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
60 month / 5 years Jumbo Certificate	3.93%	4.00%	60 months / 5 years
Min Balance $100,000 Details Jumbo and Jumbo Plus Certificates; $100,000 and up; APY $100,000 and up Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
12 month / 1 years Jumbo and Jumbo Plus Certificates	3.83%	3.90%	12 months / 1 years
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
12 month / 1 years Jumbo Certificate	3.83%	3.90%	12 months / 1 years
Min Balance $100,000 Details Jumbo and Jumbo Plus Certificates; $100,000 and up; APY $100,000 and up Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
24 Month Certificate	3.78%	3.85%	24 Months / 2 Years
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 and up; Early withdrawal penalty: 120 days' dividends Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Bump-Up Certificate - 48 month / 4 Years	3.78%	3.85%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 and up; Advertised APYs valid as of 10/01/2026; Early withdrawal penalty: 270 days' dividends Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 4.10% → 3.85% ▼ 0.25 pts · high 4.10% / low 3.85% Oct 4, 20263.85%▼ from 4.10% Sep 25, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Bump-Up Certificate - 60 month / 5 Years	3.78%	3.85%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 and up; Advertised APYs valid as of 10/01/2026; Early withdrawal penalty: 270 days' dividends Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 4.10% → 3.85% ▼ 0.25 pts · high 4.10% / low 3.85% Oct 4, 20263.85%▼ from 4.10% Sep 25, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
24 month / 2 years Bump-Up Jumbo Certificate	3.78%	3.85%	24 months / 2 years
Min Balance $100,000 Details Balance: $100,000 and up; Table heading: Bump-Up Jumbo and Jumbo Plus Certificates Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
48 month / 4 years Bump-Up Jumbo Certificate	3.78%	3.85%	48 months / 4 years
Min Balance $100,000 Details Balance: $100,000 and up; Table heading: Bump-Up Jumbo and Jumbo Plus Certificates Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
60 month / 5 years Bump-Up Jumbo Certificate	3.78%	3.85%	60 months / 5 years
Min Balance $100,000 Details Balance: $100,000 and up; Table heading: Bump-Up Jumbo and Jumbo Plus Certificates Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
12 Month Certificate	3.69%	3.75%	12 Months / 1 Year
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 and up; Early withdrawal penalty: 90 days' dividends Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
12 month / 1 years Bump-Up Jumbo Certificate	3.69%	3.75%	12 months / 1 years
Min Balance $100,000 Details Balance: $100,000 and up; Table heading: Bump-Up Jumbo and Jumbo Plus Certificates Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Bump-Up Certificate - 24 month / 2 Years	3.64%	3.70%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 and up; Advertised APYs valid as of 10/01/2026; Early withdrawal penalty: 120 days' dividends Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Bump-Up Certificate - 12 month / 1 Year	3.54%	3.60%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 and up; Advertised APYs valid as of 10/01/2026; Early withdrawal penalty: 90 days' dividends Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
30 Month Stack-It Certificate	3.45%	3.50%	30 Months
Min Deposit $100 Min Balance $100 Details Youth Accounts Only; available only to members ages 0-17 connected to a youth account membership; $100.00 and up; early withdrawal penalty: 120 days' dividends Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%

Amoco Federal Credit Union Business CD Rates

Product	Rate	APY	Term
Business Certificate - 36 month / 3 Years	4.41%	4.50%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 and up; Early withdrawal penalty: 120 days' dividends Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 4.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Business Bump-Up Certificate - 36 month / 3 Years	4.27%	4.35%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Rate $1,000.00 and up; Bump-Up Certificate Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 4.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
36 month / 3 years Business Bump-Up Jumbo Certificate	4.27%	4.35%	36 months / 3 years
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 and up; Minimum deposit for Business Bump-Up Jumbo Plus Certificate is $200,000.00; Early withdrawal: 24-36 months = 120 days' dividends Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Business Certificate - 48 month / 4 Years	3.93%	4.00%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 and up; Early withdrawal penalty: 270 days' dividends Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Business Certificate - 60 month / 5 Years	3.93%	4.00%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 and up; Early withdrawal penalty: 270 days' dividends Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Business Bump-Up Certificate - 48 month / 4 Years	3.78%	3.85%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Rate $1,000.00 and up; Bump-Up Certificate Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Business Bump-Up Certificate - 60 month / 5 Years	3.78%	3.85%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Rate $1,000.00 and up; Bump-Up Certificate Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
24 month / 2 years Business Bump-Up Jumbo Certificate	3.78%	3.85%	24 months / 2 years
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 and up; Minimum deposit for Business Bump-Up Jumbo Plus Certificate is $200,000.00; Early withdrawal: 24-36 months = 120 days' dividends Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Business Certificate - 24 month / 2 Years	3.78%	3.85%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 and up; Early withdrawal penalty: 120 days' dividends Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
12 month / 1 years Business Bump-Up Jumbo Certificate	3.69%	3.75%	12 months / 1 years
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 and up; Minimum deposit for Business Bump-Up Jumbo Plus Certificate is $200,000.00; Early withdrawal: 12 months = 90 days' dividends Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Business Certificate - 12 month / 1 Year	3.69%	3.75%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 and up; Early withdrawal penalty: 90 days' dividends Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Business Bump-Up Certificate - 24 month / 2 Years	3.64%	3.70%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Rate $1,000.00 and up; Bump-Up Certificate Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Business Bump-Up Certificate - 12 month / 1 Year	3.54%	3.60%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Rate $1,000.00 and up; Bump-Up Certificate Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%

Amoco Federal Credit Union Savings Rates

Product	Rate	APY
Savings	0.01%	0.01%
Min Deposit $1 Min Balance $1 Details Balance: $1.00 and up; Account Balance: $1.00 and up Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Youth Savings	0.01%	0.01%
Min Deposit $1 Min Balance $1 Details Balance: $1.00 and up; Requires adult joint owner for minor account Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%

Amoco Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.01%	0.01%
Min Deposit $1 Min Balance $1 Details Balance: $1.00 and up; Effective 10/01/26 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%

Amoco Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market (CUMMA)	0.20%	0.20%
Min Deposit $2,000 Min Balance $1 Details Balance: $1.00 and up Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%

Amoco Federal Credit Union Business Money Market Rates

Product	Rate	APY	View More
Business Money Market	0.20%	0.20%
Min Deposit $2,000 Min Balance $1 Details Balance: $1.00 and up; Effective 10/01/26 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%

Amoco Federal Credit Union Checking Rates

Product	Rate	APY
Advantage Checking	3.93%	4.00%
Min Deposit $500 Details Balance: Up to $25,000 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Youth Checking	0.01%	0.01%
Min Deposit $25 Min Balance $1 Details Balance: $1.00 and up Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%

Amoco Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New And Used Autos	-	-	4.84%	Up to 36 Months
Details Maximum APR: 15.59%; Minimum APR includes 0.25% rate discount with protection bundle Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 4.84% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
New And Used Autos	-	-	5.09%	37 - 48 Months
Details Maximum APR: 15.84%; Minimum APR includes 0.25% rate discount with protection bundle Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.09% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
New And Used Autos	-	-	5.09%	49 - 60 Months
Details Maximum APR: 15.84%; Minimum APR includes 0.25% rate discount with protection bundle Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.09% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
New And Used Autos	-	-	5.24%	61 - 75 Months
Details Maximum APR: 16.74%; Minimum APR includes 0.25% rate discount with protection bundle Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
New And Used Autos	-	-	5.74%	76 - 84 Months
Details Maximum APR: 18.00%; Minimum loan amount is $35,000+; Minimum APR includes 0.25% rate discount with protection bundle Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%

Amoco Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New And Used Boat Loan	-	9.40%	Up to 60 months
Details Maximum APR: 18.00% Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.40% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
New And Used Jet Ski Loan	-	9.40%	Up to 60 Months
Details Minimum APR: 9.40%; Maximum APR: 18.00%; All rates shown are annual percentage rates. Rates and terms determined by borrower's credit qualifications. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.40% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
New And Used Motorcycle Loan	-	9.40%	Up to 60 Months
Details Minimum APR; Maximum APR: 18.00%; Rates and terms determined by borrower's credit qualifications Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.40% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
New And Used Boat Loan	-	9.65%	61 - 84 months
Details Maximum APR: 18.00% Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.65% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
New And Used Jet Ski Loan	-	9.65%	61 - 72 Months
Details Minimum APR: 9.65%; Maximum APR: 18.00%; All rates shown are annual percentage rates. Rates and terms determined by borrower's credit qualifications. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.65% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
New And Used Motorcycle Loan	-	9.65%	61 - 75 Months
Details Minimum APR; Maximum APR: 18.00%; Rates and terms determined by borrower's credit qualifications Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.65% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
New And Used Boat Loan	-	9.90%	85 - 96 months
Details Maximum APR: 18.00%; Minimum loan amount is $35,000+ and cannot be more than 7 years old Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
New And Used Boat Loan	-	10.15%	97 - 120 months
Details Maximum APR: 18.00%; Minimum loan amount is $35,000+ and cannot be more than 7 years old Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 10.15% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
New And Used RV/Motor Home Loan	-	10.15%	97 - 120 Months
Details Maximum APR: 18.00%; Used travel trailers/motor homes 85-120 months requires a loan amount of $35,000 or more and collateral seven (7) years old or newer; Annual percentage rates; Rates and terms determined by borrower's credit qualifications Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 10.15% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%

Amoco Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	10.05%	Up to 60 Months
Details Minimum APR: 10.05%; Maximum APR: 18.00%; Rates and terms determined by borrower's credit qualifications Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 10.05% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Personal Loan	11.05%	61 - 84 Months
Details Minimum APR: 11.05%; Maximum APR: 18.00%; Rates and terms determined by borrower's credit qualifications Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 11.05% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Debt Consolidation Loan	12.05%	Up to 60 Months
Details Maximum APR: 18.00%; Minimum APR; rates and terms determined by borrower's credit qualifications Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 12.05% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Debt Consolidation Loan	13.05%	61 - 84 Months
Details Maximum APR: 18.00%; Minimum APR; rates and terms determined by borrower's credit qualifications Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 13.05% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%

Amoco Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder And Mender Loan	-	-	4.90%	Up to 24 Months
Details Minimum APR Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 4.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Credit Builder And Mender Loan	-	-	4.90%	Up to 36 Months
Details Minimum APR Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 4.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Disaster Preparedness Loan - 61 - 84 Months	-	-	11.05%	61-84 months
Details Minimum APR (has an AMOCO Mortgage Loan): 9.05%; Maximum APR: 18.00% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.05% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Disaster Preparedness Loan - Up to 60 Months	-	-	10.05%	Up to 60 Months
Details Minimum APR (has an AMOCO Mortgage Loan): 8.05%; Maximum APR: 18.00% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.05% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
FFA Term Loan	-	-	8.50%	12 Months
Details Minimum APR: 8.50%; Maximum APR: 18.00%; Rates and terms determined by borrower's credit qualifications Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Specialty Collateral Loan	-	-	9.40%	Up to 60 Months
Details Minimum APR: 9.40%; Maximum APR: 18.00% Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.40% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%
Specialty Collateral Loan	-	-	9.65%	61 - 75 Months
Details Minimum APR: 9.65%; Maximum APR: 18.00% Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.65% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.70%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Amoco Federal Credit Union’s Texas Ratio rose from 5.63% in Q3 2023 to 7.70% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.5B	7.70%	5.0	A
March 31, 2026	$1.5B	3.93%	5.0	A+
December 31, 2025	$1.5B	5.81%	5.0	A+
September 30, 2025	$1.4B	5.99%	5.0	A+
June 30, 2025	$1.4B	5.26%	5.0	A+
March 31, 2025	$1.4B	5.94%	5.0	A+
December 31, 2024	$1.4B	7.36%	5.0	A
September 30, 2024	$1.4B	5.76%	5.0	A+
June 30, 2024	$1.4B	4.96%	5.0	A+
March 31, 2024	$1.4B	5.17%	5.0	A+
December 31, 2023	$1.4B	6.42%	5.0	A
September 30, 2023	$1.4B	5.63%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Amoco Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Amoco Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Amoco Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Amoco Federal Credit Union

Website https://www.amocofcu.org

Address 6807 Emmett F Lowry Expy Ste 200, Texas City, TX 77591

Phone 409-948-8541

Fax

President Pat Tinsley

CEO Shawn Bailey

Full-Time Employees 302

Part-Time Employees 17

Branch Locations 11

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.70%

Return on Assets (ROA)

0.1786%

Return on Equity (ROE)

1.9408%

Non-Performing Loans Ratio (NPL)

0.93%

Total Assets

1,485,980,162

Total Amount of Shares and Deposits

1,307,184,516

Total Shares and Deposits < 1 Year

1,085,032,072

Total Shares and Deposits 1 3 Years

187,009,190

Total Shares and Deposits > 3 Years

35,143,254

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

131,088,292

Total Uninsured Shares and Deposits > $250K (F+J)

131,088,292

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,176,096,224

Total Interest Expense (Sum of items 6 8)

11,259,213

Share Certificates

7,954

Number of Accounts for Share Drafts

68,705

IRA KEOGH Accounts

2,914

Number of Accounts for Regular Shares

103,946

All other shares

Non Member Deposits

Money Market Shares

4,661

Net Income (unless the amount is already included in Undivided Earnings)

2,653,770

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

72,273,994

Total Liabilities

1,355,761,536

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Amoco Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/amoco-federal-credit-union-rates-review-2441">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Amoco Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Amoco Federal Credit Union

Frequently Asked Questions About Amoco Federal Credit Union

Does Amoco Federal Credit Union offer CDs?

Yes. Amoco Federal Credit Union current CD rates include its 36 Month CD at 4.50% APY, its 48 Month CD at 4.00% APY and its 60 Month CD at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Amoco Federal Credit Union NCUA insured?

Yes. Amoco Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Amoco Federal Credit Union?

The highest Amoco Federal Credit Union CD rate is its 36 Month CD at 4.50% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Amoco Federal Credit Union offer?

Amoco Federal Credit Union CD rates are 3.75% APY for a 12 month CD, 3.85% APY for a 2 year CD, 4.50% APY for a 3 year CD, 4.00% APY for a 4 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Amoco Federal Credit Union for its full lineup.

What is the highest savings rate at Amoco Federal Credit Union?

The highest Amoco Federal Credit Union savings rate is its Business Savings at 0.01% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Amoco Federal Credit Union?

The highest Amoco Federal Credit Union money market rate is its Business Money Market at 0.20% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Amoco Federal Credit Union?

The highest Amoco Federal Credit Union checking rate is its Advantage Checking at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at Amoco Federal Credit Union?

The lowest Amoco Federal Credit Union auto loan rate is its New And Used Autos at 4.84% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Amoco Federal Credit Union?

The lowest Amoco Federal Credit Union personal loan rate is its Personal Loan at 10.05% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Amoco Federal Credit Union operate?

Amoco Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Amoco Federal Credit Union?

Yes, to access services at Amoco Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Amoco Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Amoco Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Amoco Federal Credit Union offer online and mobile banking?

Most modern institutions like Amoco Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.amocofcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Amoco Federal Credit Union rates compare?

Amoco Federal Credit Union's CD rates are 39% higher than the MonitorBankRates national average, and it has an A health rating. Amoco Federal Credit Union's top rates are its 36 Month CD at 4.50% APY, its Business Savings at 0.01% APY, its Business Money Market at 0.20% APY, its Advantage Checking at 4.00% APY and its Personal Loan at 10.05% APR, verified by MonitorBankRates on October 28, 2026.

Current Amoco Federal Credit Union Rates

12-Month CD3.60%
24-Month CD3.70%
60-Month CD3.85%
Savings0.01%
MMA0.20%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Amoco Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Amoco Federal Credit Union Texas Ratio

Amoco Federal Credit Union Health Trend

Amoco Federal Credit Union CD Rates

Amoco Federal Credit Union Business CD Rates

Amoco Federal Credit Union Savings Rates

Amoco Federal Credit Union Business Savings Rates

Amoco Federal Credit Union Money Market Rates

Amoco Federal Credit Union Business Money Market Rates

Amoco Federal Credit Union Checking Rates

Amoco Federal Credit Union Auto Loan Rates

Amoco Federal Credit Union RV, Boat and Powersport Loan Rates

Amoco Federal Credit Union Personal Loan Rates

Amoco Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Amoco Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Amoco Federal Credit Union

Does Amoco Federal Credit Union offer CDs?

Are CDs from Amoco Federal Credit Union NCUA insured?

What is the highest CD rate at Amoco Federal Credit Union?

What CD terms does Amoco Federal Credit Union offer?

What is the highest savings rate at Amoco Federal Credit Union?

What is the highest money market rate at Amoco Federal Credit Union?

What is the highest checking rate at Amoco Federal Credit Union?

What is the lowest auto loan rate at Amoco Federal Credit Union?

What is the lowest personal loan rate at Amoco Federal Credit Union?

How many branches does Amoco Federal Credit Union operate?

Is a member application needed to join Amoco Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Amoco Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Amoco Federal Credit Union rates compare?

Current Amoco Federal Credit Union Rates

Compare to Other Credit Unions