Credit Union Savings Account | Energy On Federal Credit Union : Energy One Skip to Main Content

Smart Savings, Simple Start.

Ready to make your money work harder? Open a savings account with Energy One and discover the power of simple, effective savings. We'll help you build a brighter financial future, one deposit at a time.

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)
  • $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.

Round-Up Savings Video

🧑‍🎓 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.