{"slug":"amoco-federal-credit-union-advantage-checking-rate","category":"bank","institutionSlug":"amoco-federal-credit-union","product":"Advantage Checking","title":"Amoco Federal Credit Union Advantage Checking: 4.00% APY","bonus":"4.00% APY","unit":"cash","amount":0,"reqShort":"$500 minimum opening deposit","expiresOn":null,"status":"live","verifiedOn":"2026-08-11","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"$8 monthly fee, waived with $1,000 direct deposit and $1,000 average daily balance","keep":"","posts":"Interest compounds and is credited monthly","applyDomain":"amocofcu.org","applyUrl":"https://www.amocofcu.org/checking-accounts","summary":"Advantage Checking earns 4.00% APY on balances up to $25,000. Any balance above $25,000 earns 0.01% interest. The account requires a $500 minimum opening deposit and has an $8 monthly fee that can be waived with a qualifying direct deposit of $1,000 or more and an average daily balance of $1,000 or more.","reqSteps":[],"finePrint":["APY is subject to change; the credit union will stay competitive with current financial environment","Only balances up to $25,000 earn the advertised 4.00% APY; balances above $25,000 earn 0.01%","$8 monthly maintenance fee may be waived if requirements are met"],"apy":400,"apyTerm":"ongoing APY","listedOn":"2026-08-07","listedAt":"2026-08-07T13:06:32.001Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"amocofcu.org rate page","url":"https://www.amocofcu.org/checking-accounts","checkedOn":"2026-08-11"}],"needsVerification":false}