# Amoco Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/amoco-federal-credit-union
Institution: Amoco Federal Credit Union (NCUA 2441)
Aliases: 
Status: live
Last verified: 2026-10-23T02:27:28.000Z (October 22, 2026)
Official source: https://www.amocofcu.org/deposit-rates/
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Jumbo Certificate | standard | 12 months | $100,000 | 3.90% | Not ZIP-priced | −0.67% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Jumbo Plus Certificate | standard | 12 months | $200,000 | 3.90% | Not ZIP-priced | −0.67% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Certificate | standard | 12 months | $1,000 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Bump-Up Jumbo Certificate | standard | 12 months | $100,000 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Bump-Up Jumbo Plus Certificate | standard | 12 months | $200,000 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Bump-Up Certificate | standard | 12 months | $1,000 | 3.60% | Not ZIP-priced | −0.97% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Jumbo Certificate | standard | 24 months | $100,000 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Jumbo Plus Certificate | standard | 24 months | $200,000 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Certificate | standard | 24 months | $1,000 | 3.85% | Not ZIP-priced | −1.02% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Bump-Up Jumbo Certificate | standard | 24 months | $100,000 | 3.85% | Not ZIP-priced | −1.02% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Bump-Up Jumbo Plus Certificate | standard | 24 months | $200,000 | 3.85% | Not ZIP-priced | −1.02% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Bump-Up Certificate | standard | 24 months | $1,000 | 3.70% | Not ZIP-priced | −1.17% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Stack-It Certificate | special | 30 months | $100 | 3.50% | Not ZIP-priced | −1.41% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Certificate | standard | 36 months | $1,000 | 4.50% | Not ZIP-priced | −0.45% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Jumbo Certificate | standard | 36 months | $100,000 | 4.50% | Not ZIP-priced | −0.45% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Jumbo Plus Certificate | standard | 36 months | $200,000 | 4.50% | Not ZIP-priced | −0.45% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Bump-Up Certificate | standard | 36 months | $1,000 | 4.35% | Not ZIP-priced | −0.60% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Bump-Up Jumbo Certificate | standard | 36 months | $100,000 | 4.35% | Not ZIP-priced | −0.60% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Bump-Up Jumbo Plus Certificate | standard | 36 months | $200,000 | 4.35% | Not ZIP-priced | −0.60% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Certificate | standard | 48 months | $1,000 | 4.00% | Not ZIP-priced | −0.98% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Jumbo Certificate | standard | 48 months | $100,000 | 4.00% | Not ZIP-priced | −0.98% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Jumbo Plus Certificate | standard | 48 months | $200,000 | 4.00% | Not ZIP-priced | −0.98% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Bump-Up Certificate | standard | 48 months | $1,000 | 3.85% | Not ZIP-priced | −1.13% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Bump-Up Jumbo Certificate | standard | 48 months | $100,000 | 3.85% | Not ZIP-priced | −1.13% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Bump-Up Jumbo Plus Certificate | standard | 48 months | $200,000 | 3.85% | Not ZIP-priced | −1.13% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Certificate | standard | 60 months | $1,000 | 4.00% | Not ZIP-priced | −1.01% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Jumbo Certificate | standard | 60 months | $100,000 | 4.00% | Not ZIP-priced | −1.01% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Jumbo Plus Certificate | standard | 60 months | $200,000 | 4.00% | Not ZIP-priced | −1.01% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Bump-Up Certificate | standard | 60 months | $1,000 | 3.85% | Not ZIP-priced | −1.16% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Bump-Up Jumbo Certificate | standard | 60 months | $100,000 | 3.85% | Not ZIP-priced | −1.16% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Bump-Up Jumbo Plus Certificate | standard | 60 months | $200,000 | 3.85% | Not ZIP-priced | −1.16% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Certificate | standard | 84 months | $1,000 | 4.00% | Not ZIP-priced | −1.09% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Jumbo Certificate | standard | 84 months | $100,000 | 4.00% | Not ZIP-priced | −1.09% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Jumbo Plus Certificate | standard | 84 months | $200,000 | 4.00% | Not ZIP-priced | −1.09% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Bump-Up Certificate | standard | 84 months | $1,000 | 3.85% | Not ZIP-priced | −1.24% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Bump-Up Jumbo Certificate | standard | 84 months | $100,000 | 3.85% | Not ZIP-priced | −1.24% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |
| Bump-Up Jumbo Plus Certificate | standard | 84 months | $200,000 | 3.85% | Not ZIP-priced | −1.24% | 2026-10-23T02:27:28.000Z | [Snapshot 892](https://apyledger.com/snapshots/892) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.