Credit union · NCUA insured
Energy One Federal Credit Union CD Rates
Energy One Federal Credit Union’s best CD rate is 4.10% APY on a 13-month share certificate (CD). Terms run from 3 months to 18 months. Rates checked October 15, 2026.
How Energy One Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Tulsa, OK, where Energy One Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Energy One Federal Credit Union
4.10%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $445
Share Certificate
Top rate
Communication Federal Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
2nd-highest rate
Oklahoma's Credit Union
4.30%APY
- Term
- 19 months
- Minimum
- $500
- Earns on $10,000
- $689
Energy One Federal Credit Union CD score
86
CD score
Higher than 72% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.25%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Energy One Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.10%APY · 6 terms
Dividends compound quarterly. Federally insured up to $250,000 by NCUA. Once opened, additional deposits are not permitted until maturity. Early withdrawal subject to penalty. Renews automatically with a 10-day grace period.
| Term | APY · $500 – $1,000 | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsTier for balances $1,000+ | — | 3.50% | — | 3.50% | $86 |
| 3 monthsTier for balances $100,000+ | — | — | 3.50% | —3.50% from $100k | — |
| 6 monthsTier for balances $1,000+ | — | 3.25% | — | 3.25% | $161 |
| 6 monthsTier for balances $100,000+ | — | — | 3.35% | —3.35% from $100k | — |
| 7 monthsTier for balances $1,000+ | — | 4.00% | — | 4.00% | $231 |
| 7 monthsTier for balances $100,000+ | — | — | 4.00% | —4.00% from $100k | — |
| 12 monthsTier for balance $500 | 3.25% | — | — | —3.25% $500–$1000 | — |
| 12 monthsTier for balances $1,000+ | — | 3.25% | — | 3.25% | $325 |
| 12 monthsTier for balances $100,000+ | — | — | 3.35% | —3.35% from $100k | — |
| 13 monthsPromotional rate; tier for balance $500 | 4.10% | — | — | —4.10% $500–$1000 | — |
| 13 monthsPromotional rate; tier for balances $1,000+ | — | 4.10% | — | 4.10% | $445 |
| 13 monthsPromotional rate; tier for balances $100,000+ | — | — | 4.10% | —4.10% from $100k | — |
| 18–72 monthsTier for balance $500 | 3.25% | — | — | —3.25% $500–$1000 | — |
| 18–72 monthsTier for balances $1,000+ | — | 3.25% | — | 3.25% | $491 |
| 18–72 monthsTier for balances $100,000+ | — | — | 3.35% | —3.35% from $100k | — |
Sources (4)
- energyone.org/planning-investing
- energyone.org/about/fees-disclosures
- energyone.org/personal-banking/certificates
- energyone.org/rates
All captured Oct 15, 2026
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