# Amoco Federal Credit Union Advantage Checking: 4.00% APY

Canonical: https://dealaka.com/offers/amoco-federal-credit-union-advantage-checking-rate

- Status: Limited reports
- Bonus: 4.00% APY
- APY: 4.00% (ongoing APY)
- Requirement: $500 minimum opening deposit
- Expires: no published end date
- Availability: Nationwide
- Institution: Amoco Federal Credit Union
- Verified: Aug 11, 2026 against amocofcu.org
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the Advantage Checking.
2. Complete the requirement: $500 minimum opening deposit.

## Fine print that matters
- 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

## Sources
- amocofcu.org rate page <https://www.amocofcu.org/checking-accounts> (checked Aug 11, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._