☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Credit Unions›
Energy One Federal Credit Union

iAdvertiser Disclosure

Energy One Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Energy One Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Energy One Federal Credit Union's Personal Loan Rates are as low as 14.99%. MonitorBankRates evaluates the financial stability of Energy One Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.69%. Rates last updated and verified on 09/23/2026.

Energy One Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Energy One Federal Credit Union? Share your experience about Energy One Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Energy One Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.69%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Energy One Federal Credit Union
Tulsa Southern Hills

6555 S Lewis Ave
Tulsa, OK 74136

https://www.energyone.org

Energy One Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit	-	-	6.75%
Details Up to 90% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
Home Equity Texas HELOC	-	-	6.75%
Details Up to 80% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.69%

Energy One Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
2020-2027 Auto (36 months)	-	-	4.74%	36 months
Details New & used vehicles; Rate includes discount for Auto Pay & LTV of 85% or lower. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
2020-2027 Auto (60 months)	-	-	4.99%	60 months
Details New & used vehicles; Rate includes discount for Auto Pay & LTV of 85% or lower. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
2025-2027 Auto (72 months)	-	-	4.99%	72 months
Details $10,000+; Loan amount $10,000+; Rate includes discount for Auto Pay & LTV of 85% or lower. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
2025-2027 Auto (84 months)	-	-	5.74%	84 months
Details $20,000+; Loan amount $20,000+; Rate includes discount for Auto Pay & LTV of 85% or lower. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
2013-2019 Auto (up to 72 months)	-	-	6.19%	up to 72 months
Details Used vehicles; Rate includes discount for Auto Pay & LTV of 85% or lower. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
2012 & Older Auto (up to 48 months)	-	-	8.19%	up to 48 months
Details Older vehicles; Rate includes discount for Auto Pay & LTV of 85% or lower. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.69%

Energy One Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RV/Boat/Trailer Loan	-	6.74%	Up to 48 months
Details $5,000-$9,999; As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
RV/Boat/Trailer Loan	-	6.74%	Up to 72 months
Details $10,000-$29,999; As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
RV/Boat/Trailer Loan	-	6.74%	Up to 84 months
Details $30,000-$49,999; As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
RV/Boat/Trailer Loan	-	7.24%	Up to 120 months*
Details $50,000-$79,999; As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
Motorcycle - New Loan	-	7.99%	Up to 60 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
RV/Boat/Trailer Loan	-	8.24%	Up to 180 months
Details $80,000+; As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
Motorcycle - Used Loan	-	8.49%	Up to 48 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
PWC / ATV / Golf Cart Loan	-	8.49%	Up to 48 months
Details $5,000-$9,999; As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
PWC / ATV / Golf Cart Loan	-	8.74%	Up to 60 months
Details $10,000-$19,999; As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
PWC / ATV / Golf Cart Loan	-	8.99%	Up to 72 months
Details $20,000+; As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.69%

Energy One Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	14.99%	Up to 36 months
Details Under $5,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
Signature Loan	14.99%	36-84 months
Details $5,000+ Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.69%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Energy One Federal Credit Union’s Texas Ratio rose from 3.90% in Q2 2023 to 6.69% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$308M	6.69%	5.0	A
December 31, 2025	$290M	7.27%	5.0	A
September 30, 2025	$290M	6.85%	5.0	A
June 30, 2025	$275M	7.27%	5.0	A
March 31, 2025	$282M	8.16%	5.0	A
December 31, 2024	$269M	5.67%	5.0	A+
September 30, 2024	$272M	4.73%	5.0	A+
June 30, 2024	$277M	3.92%	5.0	A+
March 31, 2024	$289M	6.18%	5.0	A
December 31, 2023	$275M	6.22%	5.0	A
September 30, 2023	$267M	4.94%	5.0	A+
June 30, 2023	$269M	3.90%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Energy One Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Energy One Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Energy One Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Energy One Federal Credit Union

Website https://www.energyone.org

Address 6555 S Lewis Ave, Tulsa, OK 74136

Phone 918-699-7100

Fax

President Christi Young

CEO Steven McNabb

Full-Time Employees 55

Part-Time Employees 1

Branch Locations 8

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.69%

Return on Assets (ROA)

0.1813%

Return on Equity (ROE)

1.7040%

Non-Performing Loans Ratio (NPL)

1.41%

Total Assets

308,182,906

Total Amount of Shares and Deposits

254,356,181

Total Shares and Deposits < 1 Year

243,071,198

Total Shares and Deposits 1 3 Years

10,895,885

Total Shares and Deposits > 3 Years

389,099

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

47,884,112

Total Uninsured Shares and Deposits > $250K (F+J)

47,884,112

Total Insured Shares and Deposits > $250K (item 17 less item K)

206,472,069

Total Interest Expense (Sum of items 6 8)

1,138,415

Share Certificates

1,899

Number of Accounts for Share Drafts

6,003

IRA KEOGH Accounts

358

Number of Accounts for Regular Shares

12,971

All other shares

Non Member Deposits

Money Market Shares

624

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

31,296,046

Total Liabilities

278,650,051

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Energy One Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/energy-one-federal-credit-union-rates-review-256">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Energy One Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Energy One Federal Credit Union

Frequently Asked Questions About Energy One Federal Credit Union

How many branches does Energy One Federal Credit Union operate?

Energy One Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Energy One Federal Credit Union?

Yes, to access services at Energy One Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Energy One Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Energy One Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Energy One Federal Credit Union offer online and mobile banking?

Most modern institutions like Energy One Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.energyone.org.