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In order to get started, select an account that works for you.

Youth Savings

Our Youth Savings Account makes it easy to teach the value of saving while giving your child a strong financial foundation. Designed especially for minors ages 0-17, this account comes with great perks to support their journey toward financial confidence.

Earn dividends on balances greater than $1
Kids learn age appropriate money management skills through Online and Mobile Banking
Kids 12 and under are eligible to join ACE's Club
Teens 13-17 are eligible to join AMOCO Academy

Standard Certificates

Grow your savings with the confidence of a locked‑in rate. Our Certificates offer fixed, reliable returns designed to support your long‑term financial goals.

Minimum opening deposit of only $1,000

Youth Checking

A checking account made for growing members. Designed for ages 8–17, AMOCO’s Youth Checking Account helps youth learn responsible money management with access to a checking account and debit card.

No monthly service fees
$25 minimum opening deposit
Receive account alerts, view account balances, and track purchases using Online Banking and Mobile App
Free debit card with card controls
Federally insured by NCUA

Stack-It Certificate

Give your children a head start with our Stack‑It Certificate. This certificate offers a simple and flexible way for young savers (members ages 0-17 only) to grow their money while learning smart long-term saving habits as they grow.

Minimum opening deposit of $100
Unlimited deposits
30-month term