Energy One is offering a summer payment deferral on any loans except first mortgages. Don't have a loan with us? Ask us about refinancing today and pocket a loan payment this summer. Contact your loan department today or apply online.

Get your deferral form here.

Consumer Loans

Energy One makes loans for almost anything! New car rates apply to used cars, too, and we can almost always find a loan product for what you want to buy.

Recreational Vehicles
• RVs, travel trailers, and campers
• Motorcycles
• Boats

Share Secured
• Savings
• Certificates
• Stocks

Debt Consolidation
• Fixed-rate signature loan
• Get out of debt faster

Credit Builder
• Choose a monthly payment and length of time that works for you
• Make loan payments
• You'll end up with a nest egg and good credit history!

E1 Line of Credit
• Revolving line of credit
• Use for overdraft protection, or access directly online or at ATM
• Advance cash to yourself, or use where Visa is accepted
• Free identity theft protection included!

Real Estate
• Mortgages - first and second, purchase or refinance
• Home equity loans and lines of credit
• Home improvement

Rates

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Signature Loans
Use the money for debt consolidation, electronics, vacations, taxes, the possibilities are endless!

Debt Consolidation
• Fixed-rate signature loan
• Get out of debt faster

Credit Builder
• Choose a monthly payment and length of time that works for you
• Make loan payments
• You'll end up with a nest egg and good credit history!

E1 Line of Credit
• Revolving line of credit
• Use for overdraft protection, or access directly online or at ATM
• Advance cash to yourself, or use where Visa is accepted
• Free identity theft protection included!

Rates

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Real Estate Loans
Purchase or refinance a home with one of Energy One's many home loan options. You can also borrow against your equity and spend the money any way you choose!

Do you have an Adjustable Rate Mortgage that will be resetting? Click here to find out more about your options.

Rates

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Rates

Payment Calculator

FACT Act Info
Fair and Accurate Credit Transactions Act : This legislation will provide consumers, companies, consumer reporting agencies, and regulators with important new tools that expand access to credit and other financial services for all Americans, enhance the accuracy of consumers' financial information, and help fight identity theft. These reforms make permanent the uniform national standards of our credit markets, and institute new, strong consumer protection and free credit reports.
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Free Credit Report
You are entitled to one free credit report each year from each of the three credit bureaus. If you would like your credit score, each bureau charges a fee for that. There are many websites that claim to offer free credit reports, but the one that was set up by the FACT Act is www.annualcreditreport.com. If you would like to call to request your report(s), the number is 877-322-8228.

If you would like help making sense of your credit report, please contact the loan department at your branch and we will be happy to go over it with you.
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