Saving Accounts
💼 Ownership Shares – Your Gateway to Membership Benefits
Open an Ownership Share account to access all the benefits of Energy One membership.
- Just $5 to open
- Maintain a $100 daily balance to earn quarterly dividends
- ATM access included (restrictions may apply)
- A $2 monthly service fee applies if your balance drops below $100 at any time during the month
Start building your financial foundation today with a secure, dividend-earning account.
💳 Round-Up Savings – Save Effortlessly with Every Purchase
Grow your savings automatically with our Round-Up Savings program.
Every time you make a purchase, we round up the transaction to the nearest dollar and transfer the difference to your savings.
Why members love it:
✔️ Effortless – Save without thinking about it
✔️ Secure – Build a cushion over time
✔️ Convenient – No manual transfers needed
✔️ Consistent – Small steps toward long-term goals
📞 Call us today to enroll and start saving smarter.

🧑🎓 Youth Savings Account – Smart Saving for Students & Young Adults
Designed for ages 15–24, this account helps young members build strong financial habits.
- $5 minimum to open
- Earn dividends with a $100 daily balance
- Dividends compounded quarterly
- ATM access included (restrictions may apply)
📚 Proof of school enrollment required after age 18.
🧒 Kid’s Cash Club – Fun & Rewarding Savings for Kids
A personal savings account for children 14 and under, with exciting perks!
- $5 minimum to open
- Earn dividends with just $25 daily balance
- Dividends compounded quarterly
🎁 Enjoy quarterly cash prize drawings and birthday gifts!
🎄 Holiday Club – Save for the Season, Stress-Free
Plan ahead for holiday spending with this dedicated savings account.
- Earn dividends with just $5 daily balance
- Dividends compounded monthly
💸 Funds automatically transfer to your savings account on November 1 each year.
🏠 Escrow Shares – Simplify Home-Related Expenses
A savings account built for managing taxes, insurance, and other home costs.
- No minimum balance required to earn dividends
- Dividends compounded monthly
📂 Keep your home finances organized and separate.
💼 IRA Money Fund – Flexible Retirement Savings
Ideal for members making periodic withdrawals from their IRA.
- $5 minimum to open
- No minimum balance to earn dividends
- Dividends compounded monthly
- No fixed maturity or withdrawal penalties
📄 See IRA disclosure for full details.
📜 Revocable Trust Account – Secure Depository for Trust Funds
This account serves as a depository for revocable trusts.
- A successor, trustee, or beneficiary must be named on the signature card
🔐 Designed for estate planning and fiduciary needs.
🏥 Health Savings Account (HSA) – Take Control of Your Healthcare Costs
An HSA is a tax-advantaged account for qualified medical expenses for you and your family.
- Use funds for doctor visits, prescriptions, and more
- Enjoy tax benefits and long-term savings potential
- No fixed maturity or penalties for qualified withdrawals
⚠️ Eligibility rules apply—consult your employer, insurer, or tax advisor to confirm your qualifications and contribution limits.