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.