E1 Money Market Account

  • $2,500 minimum opening deposit
  • $2,500 minimum daily balance to earn dividends
  • Dividends compounded monthly
  • Jumbo rate option available
  • $3.50 service charge each month if balance falls below $200 at any time during the month
  • Monthly withdrawals limited to six
  • Federally insured by NCUA

E1 Certificates

Energy One offers several certificate options to help you save. Whether you want a short term certificate of 6 months or looking to save long term for six years, we have the option for you.

  • $500 minimum deposit
  • Minimum term of six months
  • Maximum term of 72 months
  • Dividends compound monthly
  • Jumbo rate option available
  • Federally insured by the NCUA
  • Penalty for early withdrawal or closure

View Certificate Disclosure

E1 IRA

Energy One can help you with traditional, Roth, and even education IRAs!

  • IRA savings account designed for members making periodic withdrawals
  • $5 minimum opening deposit
  • No minimum balance to earn dividends
  • Dividends compounded monthly
  • No fixed maturity or withdrawal penalties
  • See IRA Disclosure

Ladder Certificate Program

To leverage market volatility, try our laddered certificate program. It’s easy to get started.

How it works:

  • Many rates and terms are available, from three months to six years. To maximize earnings and minimize market volatility, try our laddered certificate program. It’s easy to get started.
  • Divide your initial investment amount by 5. For this example, we will assume you have $10,000 to invest.
  • Build your certificate ladder. Invest in $2,000 certificates, one each at 1 year, 2 years, 3 years, 4 years and 5 years.
  • When the 1-year certificate matures, re-invest it at 5 years. You now have one each with 1, 2, 3, 4 and 5 years until maturity.
  • Repeat every year. When one certificate matures, re-invest it at 5 years.

Using laddering, you are never more than one year away from a certificate maturing and you are investing in 5-year certificates, which earn more.

*APY = Annual Percentage Yield. Rates and promotional offers are subject to change or cancellation at any time. A penalty may be charged for early withdrawal and fees could reduce earnings. Certificate will automatically renew at standard terms. Standard Energy One membership and eligibility required to open a certificate. Other restrictions may apply. Federally insured by the NCUA.