Unlike a bank, AMOCO has been managed and operated exclusively for the benefit of its members. That's because, AMOCO is a member-owned cooperative organization, which means - the profits earned by the credit union are reinvested so that members can enjoy lower interest rates on loans, higher rates on deposits, and significantly lower fees for convenient services. As an AMOCO member, you are an owner of a unique financial organization that exists solely for the benefit of its member/owners. Your AMOCO membership entitles you to take advantage of an array of services designed to help you more effectively manage your finances. Our Services: Deposit Accounts, Checking Accounts. Investment Accounts, Auto Loans, Credit Cards, Mortgage Loans, Electronic Services, Nationwide ATMs and More!