Credit union · NCUA insured
Energy One Federal Credit Union Savings Rates
Energy One Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Premier One Money Market. Rates checked October 15, 2026.
How Energy One Federal Credit Union’s savings 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
0.50%APY
- Earns on $10,000 a year
- $50
Premier One Money Market
Top rate
MidFirst Bank
4.00%APY
- Earns on $10,000 a year
- $400
2nd-highest rate
Communication Federal Credit Union
3.75%APY
- Earns on $10,000 a year
- $375
Energy One Federal Credit Union savings score
80
Savings score
Higher than 50% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.50%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premier One Money Market
0.50%APY
Designed for higher balances with top dividend tiers. Monthly dividend compounding. Limited to six withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 and upTier 1 | 0.50% | $50 | Tier 1 |
| $20,000 and upTier 2 | 0.60% | — | Tier 2 |
| $30,000 and upTier 3 | 0.75% | — | Tier 3 |
| $50,000 and upTier 4 | 0.80% | — | Tier 4 |
| $100,000 and upTier 5 | 1.00% | — | Tier 5 |
| $250,000 and upTier 6 | 2.00% | — | Tier 6 |
Sources (2)
All captured Sep 18, 2026
Standard Money Market
0.30%APY
A flexible option for members with moderate balances. Monthly dividend compounding. Limited to six withdrawals per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $250,000Tier 1–4$2,500 – $250,000 | 0.30% | $30 | Tier 1–4 |
Sources (2)
All captured Sep 18, 2026
Ownership Share Account
0.30%APY
Open to Energy One members. Maintain a $100 daily balance to earn quarterly dividends. A $2 monthly service fee applies if balance drops below $100 at any time during the month and member has no other loans or accounts. ATM access included (restrictions may apply).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upQuarterly compounding; requires $100 daily balance to earn dividends. $2 monthly fee waived if balance stays at or above $100 or member has other loans/accounts.$100 and up | 0.30% | $30 | Quarterly compounding; requires $100 daily balance to earn dividends. $2 monthly fee waived if balance stays at or above $100 or member has other loans/accounts. |
Special-purpose accounts
One Start Youth Savings
0.30%APY
For youth members under the age of 17 (ages 17 and younger; children and grandchildren of current members). Joint account with parent or guardian required. Eligible for incentives (birthday deposits, savings rewards).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Ages 17 and younger. Joint account with parent/guardian. No monthly fees. | 3.00% | — | Ages 17 and younger. Joint account with parent/guardian. No monthly fees. |
| $5,001 and upAges 17 and younger. Joint account with parent/guardian. Earns normal share dividend rate on balances over $5,000. No monthly fees. | 0.30% | $30 | Ages 17 and younger. Joint account with parent/guardian. Earns normal share dividend rate on balances over $5,000. No monthly fees. |
Sources (2)
All captured Sep 18, 2026
IRA/Jumbo Money Fund
0.50%APY
Monthly dividend compounding. Limited to six withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100,000 and up | 0.50% | — |
Sources (3)
- energyone.org/planning-investing
- energyone.org/planning-investing/money-market-accounts
- energyone.org/rates
All captured Sep 18, 2026
IRA Money Fund
0.40%APY
Monthly dividend compounding. Limited to six withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.40% | $40 |
Sources (3)
- energyone.org/planning-investing
- energyone.org/planning-investing/money-market-accounts
- energyone.org/rates
All captured Sep 18, 2026
Holiday Club
0.30%APY
Plan ahead for holiday spending. Funds automatically transfer to your savings account on November 1 each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded monthly; requires $5 daily balance to earn dividends. Funds transfer automatically on November 1 annually.$5 and up | 0.30% | $30 | Dividends compounded monthly; requires $5 daily balance to earn dividends. Funds transfer automatically on November 1 annually. |
Youth Savings Account (Ages 15–24)
0.30%APY
Designed for ages 15–24. Proof of school enrollment required after age 18. ATM access included (restrictions may apply).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded quarterly with a $100 daily balance. Proof of school enrollment required after age 18. Listed as Student Account on rate schedule.$100 and up | 0.30% | $30 | Dividends compounded quarterly with a $100 daily balance. Proof of school enrollment required after age 18. Listed as Student Account on rate schedule. |
Who can join Energy One Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.