Amoco Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Amoco Federal Credit Union's highest tracked CD (share certificate) rate is 4.50% APY on a 36-month CD ($1,000 minimum). That is 3.2 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 3.60% to 4.50% APY.
Tracking began .
Amoco Federal Credit Union CD & share certificate rates
Membership required. Certificates and Bump-Up certificates ($1,000 minimum) from 1 to 7 years and the Stack-It certificate ($100); Jumbo and Jumbo Plus versions require $100,000 and $200,000 respectively. Early withdrawal penalties apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 12 months | Jumbo Certificate | $100,000 | 3.90% | −0.67% | Top 31% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Jumbo Plus Certificate | $200,000 | 3.90% | −0.67% | Top 31% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate | $1,000 | 3.75% | −0.82% | Top 43% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Bump-Up Jumbo Certificate | $100,000 | 3.75% | −0.82% | Top 43% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Bump-Up Jumbo Plus Certificate | $200,000 | 3.75% | −0.82% | Top 43% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Bump-Up Certificate | $1,000 | 3.60% | −0.97% | Top 50% of tracked 12-month CDs · Verified October 22, 2026 |
| 24 months | Jumbo Certificate | $100,000 | 4.00% | −0.87% | Top 25% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Jumbo Plus Certificate | $200,000 | 4.00% | −0.87% | Top 25% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Certificate | $1,000 | 3.85% | −1.02% | Top 29% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Bump-Up Jumbo Certificate | $100,000 | 3.85% | −1.02% | Top 29% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Bump-Up Jumbo Plus Certificate | $200,000 | 3.85% | −1.02% | Top 29% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Bump-Up Certificate | $1,000 | 3.70% | −1.17% | Top 38% of tracked 24-month CDs · Verified October 22, 2026 |
| 30 months | Stack-It Certificate Special | $100 | 3.50% | −1.41% | Verified October 22, 2026 |
| 36 months | Certificate | $1,000 | 4.50% | −0.45% | Top 5% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Jumbo Certificate | $100,000 | 4.50% | −0.45% | Top 5% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Jumbo Plus Certificate | $200,000 | 4.50% | −0.45% | Top 5% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Bump-Up Certificate | $1,000 | 4.35% | −0.60% | Top 8% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Bump-Up Jumbo Certificate | $100,000 | 4.35% | −0.60% | Top 8% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Bump-Up Jumbo Plus Certificate | $200,000 | 4.35% | −0.60% | Top 8% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate | $1,000 | 4.00% | −0.98% | Top 16% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Jumbo Certificate | $100,000 | 4.00% | −0.98% | Top 16% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Jumbo Plus Certificate | $200,000 | 4.00% | −0.98% | Top 16% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Bump-Up Certificate | $1,000 | 3.85% | −1.13% | Top 20% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Bump-Up Jumbo Certificate | $100,000 | 3.85% | −1.13% | Top 20% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Bump-Up Jumbo Plus Certificate | $200,000 | 3.85% | −1.13% | Top 20% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate | $1,000 | 4.00% | −1.01% | Top 21% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Jumbo Certificate | $100,000 | 4.00% | −1.01% | Top 21% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Jumbo Plus Certificate | $200,000 | 4.00% | −1.01% | Top 21% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Bump-Up Certificate | $1,000 | 3.85% | −1.16% | Top 24% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Bump-Up Jumbo Certificate | $100,000 | 3.85% | −1.16% | Top 24% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Bump-Up Jumbo Plus Certificate | $200,000 | 3.85% | −1.16% | Top 24% of tracked 60-month CDs · Verified October 22, 2026 |
| 84 months | Certificate | $1,000 | 4.00% | −1.09% | Verified October 22, 2026 |
| 84 months | Jumbo Certificate | $100,000 | 4.00% | −1.09% | Verified October 22, 2026 |
| 84 months | Jumbo Plus Certificate | $200,000 | 4.00% | −1.09% | Verified October 22, 2026 |
| 84 months | Bump-Up Certificate | $1,000 | 3.85% | −1.24% | Verified October 22, 2026 |
| 84 months | Bump-Up Jumbo Certificate | $100,000 | 3.85% | −1.24% | Verified October 22, 2026 |
| 84 months | Bump-Up Jumbo Plus Certificate | $200,000 | 3.85% | −1.24% | Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Amoco Federal Credit Union's best CD rates by term?
Amoco Federal Credit Union's best rate is 4.50% APY on 36 months, verified October 22, 2026.
- 12 mo3.90%
- 24 mo4.00%
- 30 mo3.50%
- 36 mo4.50%
- 48 mo4.00%
- 60 mo4.00%
- 84 mo4.00%
How much interest could a Amoco Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$1,411.66 interest · $11,411.66 at maturity on $10,000.00.
4.50% APY · 36 months · Certificate · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 12 months | $187.503.75% APY · Certificate · Standard | $375.003.75% APY · Certificate · Standard | $937.503.75% APY · Certificate · Standard | $1,875.003.75% APY · Certificate · Standard |
| 24 months | $392.413.85% APY · Certificate · Standard | $784.823.85% APY · Certificate · Standard | $1,962.063.85% APY · Certificate · Standard | $3,924.113.85% APY · Certificate · Standard |
| 30 months | $449.313.50% APY · Stack-It Certificate · Special | $898.623.50% APY · Stack-It Certificate · Special | $2,246.543.50% APY · Stack-It Certificate · Special | $4,493.083.50% APY · Stack-It Certificate · Special |
| 36 months | $705.834.50% APY · Certificate · Standard | $1,411.664.50% APY · Certificate · Standard | $3,529.154.50% APY · Certificate · Standard | $7,058.314.50% APY · Certificate · Standard |
| 48 months | $849.294.00% APY · Certificate · Standard | $1,698.594.00% APY · Certificate · Standard | $4,246.464.00% APY · Certificate · Standard | $8,492.934.00% APY · Certificate · Standard |
| 60 months | $1,083.264.00% APY · Certificate · Standard | $2,166.534.00% APY · Certificate · Standard | $5,416.324.00% APY · Certificate · Standard | $10,832.654.00% APY · Certificate · Standard |
| 84 months | $1,579.664.00% APY · Certificate · Standard | $3,159.324.00% APY · Certificate · Standard | $7,898.294.00% APY · Certificate · Standard | $15,796.594.00% APY · Certificate · Standard |
How Amoco Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1095-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 10 of 375 tracked institutions with fresh 1095-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Amoco Federal Credit Union (this institution)Certificate · Standard | 36 months | $1,000 | Membership required · branches in TX | 4.50% | October 22, 2026 |
| Popular DirectCD · Standard | 36 months | $10,000 | Available nationwide | 4.85% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 36 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| Bread SavingsBread Savings CD · Standard | 36 months | $1,500 | Available nationwide | 4.60% | October 22, 2026 |
| Quorum Federal Credit Union (highest tracked APY for this term)36-Month Term Account · Standard | 36 months | $100 | Membership required · branches in NY | 4.90% | October 22, 2026 |
| Treasury (APY-equivalent) | 36 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.95% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Amoco Federal Credit Union on October 22, 2026.
About Amoco Federal Credit Union
- Legal name
- Amoco Federal Credit Union
- Regulator ID
- NCUA 2441
- Headquarters
- Texas City, TX
- Available in
- TX
- Total assets
- $1.5 billion
- Also known as
- Website
- www.amocofcu.org
Source: rates read from https://www.amocofcu.org/deposit-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Amoco Federal Credit Union?
Among the rates we track, 4.50% APY on a 36-month CD, as of October 22, 2026.
What is the minimum deposit for a Amoco Federal Credit Union CD?
The lowest minimum we found is $100; jumbo and higher balance tiers start at up to $200,000.
How does Amoco Federal Credit Union's best CD rate compare with Treasury yields?
4.50% APY is −0.45% versus the 36-month Treasury yield of 4.95% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.50% a good CD rate?
It is 3.2 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Amoco Federal Credit Union CDs insured?
Amoco Federal Credit Union is a federally insured credit union (NCUA 2441). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Amoco Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Amoco Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Amoco Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Amoco Federal Credit Union before opening an account. This page is not financial advice.