Business Details
50+ Years
experience
Your Trusted Credit Union in Houston, TX
AMOCO Federal Credit Union Federal Credit Union has served members' financial needs since 1937, evolving from a small Pan Am employees' credit union to a $1.4 billion institution with over 106,500 members. Our cooperative structure prioritizes member ownership and community impact, offering personalized financial solutions across Texas. With 11 branches and digital tools like mobile banking and Zelle, we combine local expertise with modern convenience. Our leadership team brings decades of credit union experience, focusing on financial education, affordable lending, and community reinvestment.Recognized as a top Houston/Galveston credit union, we maintain strong industry partnerships while preserving the stability of the AMOCO Federal Credit Union brand through organizational changes. Our commitment to the 'People Helping People' philosophy drives both our service approach and community engagement initiatives.
Services
Savings Accounts
Checking Accounts
Auto Loans
Mortgage Loans
Credit Cards
Insurance Plans
Investment Services
Business Banking
Financial Education
Mobile Banking
Details
- Year established: 1937
Highlights and features
- We've served Texas communities for 87 years with financial expertise
- Our local decision-making ensures personalized service and community understanding
- Digital banking tools combine convenience with robust security features
- 93% member recommendation rate reflects our service excellence
- Community investment includes $1.1 billion in funded loans and scholarships
What people say
Excellent customer service
Competitive loan rates
User-friendly mobile app
Community involvement
Quick loan approvals
Services
Savings Accounts
Our savings solutions help members grow their money with competitive rates and flexible options. From basic savings to high-yield certificates, we offer tools for short-term goals and long-term wealth building. Members benefit from FDIC insurance and digital tracking features to monitor progress toward financial objectives.
Auto Loans
We provide affordable auto financing for new and used vehicles with competitive APRs and flexible terms. Our loan specialists help members find payment plans that fit their budgets while maintaining vehicle ownership. Online calculators assist with pre-approval estimates and payment planning.
Mortgage Loans
Our mortgage programs help members achieve homeownership with conventional, FHA, and specialized loan options. Competitive rates, down payment assistance programs, and personalized guidance support both first-time buyers and refinancing needs.
Credit Cards
Our credit card offerings include rewards programs, low introductory rates, and security-focused features. Members earn points on everyday purchases while benefiting from fraud protection and credit-building opportunities through responsible usage.
Financial Education
We provide free educational resources covering budgeting, debt management, and investment basics. Workshops and online tools help members make informed financial decisions at every life stage.
People
Shawn Bailey
Chief Executive Officer
Shawn Bailey has led AMOCO Federal Credit Union since 2004, growing assets to $1.3 billion and expanding to 11 branches. With over 20 years in credit unions, he emphasizes community service and strategic growth while maintaining operational excellence.
Ashley Carner
President / Chief Operating Officer
Ashley Carner oversees AMOCO Federal Credit Union's operations with 20 years of credit union experience. She manages accounting, finance, and technology divisions while maintaining community engagement through local board memberships.
Eddie Bonilla
Chief Lending Officer
Eddie Bonilla leads lending operations with expertise in developing member-focused loan products. His 15+ years in credit unions emphasize accessible financing solutions and internal process improvements for efficient service delivery.
Gail Figueroa
Chief Administration Officer
Gail Figueroa directs AMOCO Federal Credit Union's administrative functions including HR, marketing, and branch expansion. With 25+ years at the credit union, she combines frontline experience with strategic leadership to enhance member and employee experiences.
Claudia Maldonado
Chief Experience Officer
Claudia Maldonado oversees member experience across all channels. Her 20+ years in financial services focus on seamless omnichannel service delivery and product innovation to meet evolving member expectations.
Questions
What membership benefits does AMOCO offer?
Members receive competitive rates, personalized service, financial education resources, and access to community programs.
How can I access my AMOCO account online?
Our mobile app provides 24/7 access for account management, transfers, and bill payments.
What loan options are available?
We offer auto loans, mortgages, personal loans, credit cards, and business financing solutions.
Are there local branch locations?
We operate 11 branches across the Houston/Galveston area with convenient ATM access.
How does AMOCO support the community?
Through scholarships, local sponsorships, and $1.1 billion in member loans supporting Texas businesses.
Videos
Reviews (6)
Macario Cardenas
Feb 01, 2022
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Cant ever get someone on the phone. Denied an auto loan when Ive already paid off 2 cars threw them. Never received the credit for the referrals I sent them or discounted rates from loyalty program. Credit over 700 and income over 100k/yr. Guess Ill try BofA or Chase bank.
Audrey Gonzalez
Jan 01, 2022
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Hilda was amazing! She walked me through the online application process... I had to wait for my updated ID to come in the mail and she was more than kind and answered all my questions along the way. I switched from Wellby (Formerly JSC) due to their increased fees, service charges, and horrible customer service, and I couldn't be happier.
Kristina Shaver
Nov 21, 2021
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I highly recommend AMOCO for all of your financial needs! It is highly personalized! When you call you will be able to talk to an employee that will go above and beyond for you! This year alone I have had 3 employees go above and beyond for me and I really appreciate them! Christina helped with our jeep loan, Brandee D helped with a personal loan, and Cody helped with our account! Thank you so much!
Michelle Keesler
Nov 04, 2021
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Amoco Federal Credit Union Texas City, I hope you know what kind of employees you have representing you behind the phones. I have never felt compelled to get online and write a negative review, but this couldnt be avoided. The mother of my grandson had a new auto loan with you and fell 2 months delinquent on her payments due to the pandemic and another personal reason. Instead of being more understanding, your employee Will Smith chose to handle the matter in a condescending manner. He was the one that alerted myself and my daughter of the delinquent payments. After speaking to my grandsons
Victoria Hunt
Oct 30, 2021
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I was going to go today to get a auto loan, after seeing these reviews I think im going to go elsewhere.
Texas Slaughter
Oct 29, 2021
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Have had a checking account 20 years at Amoco ,Due to pandemic and prices on everything spiking I voluntary turned my vehicle back over only to find out as a punishment they turned off my debit card and I will not ever be issued another card.Pretty unprofessional and a desperate attempt to punish me.My advice don't get any type of loan there if you like using the bank for transactions.Ive moved my business to another credit union,Have a nice day!
