Certificates
E1 Certificates are designed for members who want a dependable way to grow savings with fixed terms and competitive credit union rates. Choose short- or long-term options and lock in earnings with federally insured protection.
Features
Guaranteed Returns
NCUA Insured Security
Flexible Term Options
Jumbo Rate Opportunities
Higher Earnings Potential
Disciplined Savings Strategy
Benefits
- Predictable Growth
- Flexible Terms
- Credit Union Security
Fixed Terms
Choose certificate terms from 3 to 72 months.
Quarterly Compounding
Dividends compound quarterly for consistent growth.
Minimum Deposit Options
Standard certificates start at $500, with jumbo options available.
Automatic Renewal
Certificates renew automatically at maturity unless you choose otherwise.
Dividend Payout Flexibility
Dividends can remain in the certificate or be paid to another account.
Early Withdrawal Option
Access funds before maturity if needed, subject to applicable penalties.
Compare E1 Certificates vs Other Savings Options
| NCUA / FDIC Insured | Low Minimum Deposit | Flexible Term Options | Early Withdrawal Allowed | Local Member Support |
Energy One Credit Union | | | | | |
Big Bank Certificates (CDs) | | | | | |
Online Bank Certificates | | | | | |
Brokerage Certificates | | | | | |
Community Bank Certificates | | | | | |
FAQs
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.
Get Started
Plan for the future with Certificates at Energy One Federal Credit Union.
Become a member today.
Get started by opening a free checking account online today.
