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