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Our Credit Union’s Flexible Personal Loan Options

Need a personal loan? Energy One is more than a lender, we're your partner. We'll guide you through the process, offering flexible personal loan options and personalized service to help you achieve your financial goals.

At Energy One Federal Credit Union, we believe in empowering our members. Our personal loans are designed to provide you with the financial flexibility you need, whether it’s for car repairs, a dream vacation, or managing everyday expenses. Enjoy competitive rates and flexible terms, making your financial goals more achievable. Discover the Energy One difference today.

With our credit union flexible personal loan options, you’re never stuck with a one-size-fits-all approach. We’re here to help you choose the right path forward—no matter what life throws your way.

Signature Loans

Looking for a simple way to borrow without using collateral? Our signature loans are fast, flexible, and designed for convenience.

  • Requires no collateral
  • Can finance up to 48 months for loans over $5,000
  • 36 months available for loans under $5,000
  • Ideal for consolidating high-interest debt or covering emergency expenses

Apply Now

Credit Cards through Elan

We’ve teamed up with Elan to bring you a range of credit card options, including a Visa Rewards card designed to maximize your spending power. Explore our card offerings and find the perfect fit for your financial needs.

Explore Options

Certificate and Share Secured Loans

Looking for a loan that offers better approval odds or lower rates? Our secured loan options let you borrow against your savings.

  • Borrow against your funds on deposit at Energy One
  • Dividends continue to accrue on your deposit balance
  • Borrow up to 100% of your deposit
  • Some share-secured loans come with a variable rate

Secured personal loans are a great way to build or rebuild credit while keeping your money working for you.

Whether you choose an unsecured signature loan or a share-secured loan, Energy One offers a solution tailored to your financial goals. Our local, member-focused approach means you get fast decisions, fair rates, and service that puts you first. Apply today and experience the Energy One difference.

Apply Now

If you have any questions about our credit union personal loans or would like additional information, please call a loan representative at 918-699-7100 or 1-800-364-3628.

 

Additional Loan Options

Payment deferral – For more information, please contact us at 1-800-364-3628 to see if you qualify.

Automatic payments – To set up automatic payments from another financial institution to your Energy One loan, download this form and upload it HERE or fax to (918) 699-7122.

Insurance – Energy One has teamed up with MemberCONNECT and TruStage. This partnership allows members access to discounts with Liberty Mutual for auto and home. In addition, you are now eligible for a free $1,000 in accidental death benefits. Click here for more information.