Financial Education at Energy One
At Energy One Federal Credit Union, we believe financial education is key to long-term success. Explore easy-to-understand resources on checking accounts, budgeting, credit, and loans—designed to help you make smarter decisions at every stage of life.
Auto Loans
Yes. Refinancing may help lower your rate or monthly payment.
Yes. We offer used car finance and used auto loans for eligible vehicles.
Yes. Members can pre-qualify for a car loan or request auto loan pre-approval before visiting a dealer. Learn more about pre-qualification.
You can apply online or visit a branch to get started with an auto loan application.
Yes. Energy One offers competitive auto loans for new and used vehicles.
Yes. You can refinance an existing auto loan to potentially lower your rate or monthly payment.
Business Lending
Yes. Energy One offers a full suite of business Visa® credit cards.
Yes. Our lending team works with businesses at various stages, including startups and established companies.
Energy One offers business loans for commercial real estate, construction, equipment, vehicles, SBA 504 loans, and refinancing options.
Certificates
Yes. E1 Certificates are federally insured by the NCUA up to applicable limits.
Your certificate automatically renews unless you make changes during the 10-day grace period.
No. Once opened, additional deposits are not permitted until the certificate matures.
A certificate is a savings product with a fixed term and fixed rate that earns dividends until maturity.
Most certificates require a $500 minimum deposit. Jumbo certificates have higher minimums.
Checking
Yes. You can access your checking account at ATMs across the country.
Members have access to a large network of surcharge-free ATMs nationwide.
Yes. Your checking account includes security features, alerts, and federal insurance through the NCUA
No. With online banking, shared branching, mobile tools, and nationwide ATM access, you can bank from anywhere.
Yes. Direct deposit is available for paychecks, benefits, and other recurring income.
Yes. All checking accounts come with a Visa® debit card for everyday purchases and ATM access.
Yes. You can open a checking account online and manage it anytime using online banking and mobile tools.
Yes. Energy One offers free credit union checking account options with no required minimum balance.
Forms
Common forms are available online, including direct deposit forms and Skip-A-Pay requests.
Yes. Many forms can be completed and submitted online for convenience.
Locations
Shared branching allows you to access your credit union accounts at thousands of participating credit union locations nationwide.
Our main branch is located in Tulsa, Oklahoma. Visit the Branches page for details.
Use our Branch Locator to find a branch location and hours.
Membership
Becoming a member is easy. Simply open a credit union checking account online or in person to get started.
Most new members can open a checking account online in just a few minutes.
Membership is open to eligible individuals nationwide. You can join Energy One by opening a checking account online or visiting a branch.
Mortgages
Yes. Refinance options are available for eligible members.
Energy One offers fixed-rate mortgage loans with flexible terms for purchases, refinancing, jumbo loans, and eligible investment or vacation properties.
Yes. Refinance options are available for eligible members.
Yes. You can start the mortgage application process online or speak with a lending specialist.
Yes. Energy One offers mortgage loans with competitive rates and personalized guidance.
Online Banking
Yes. Energy One uses secure digital banking tools to help protect your account information.
No, you can enroll in online bank no matter what account type you have.
Yes. Energy One online banking and mobile banking tools are free for members.
No. With online banking, shared branching, mobile tools, and ATM access, you can bank from almost anywhere.
Personal Loans
A secured loan allows you to borrow against your savings or certificate while continuing to earn dividends.
Yes. Making on-time payments can help establish or rebuild your credit history. Learn how to build credit responsibly with a loan.
Loans under $5,000 may be financed for up to 36 months. Loans over $5,000 may be financed up to 48 months.
A signature loan is an unsecured personal loan that does not require collateral.
Rates
Yes. As a credit union, Energy One focuses on offering competitive rates and fewer fees.
Become a member today.
Get started by opening a free checking account online today.
