Energy One's OneUp Checking earns 5% APY on balances up to $4999.99 when you meet simple monthly requirements, with 3% APY on balances over $5000 and under $25000. The account has no monthly maintenance fees and includes free online and mobile banking. This high-yield checking requires digital banking activity and use of the debit card as your primary card.
Eligibility
How to get the Energy One Federal Credit Union OneUp Checking rate
- Apply through the offer page to open the OneUp Checking.
- Complete the requirement: No minimum, earn 5% APY on balances under $4999.99.
The fine print that matters
- Earn 5% APY on balances under $4999.99 and 3% APY on balances over $5,000 and under $25,000
- Must meet simple monthly requirements
- Built for members who bank digitally and want their debit card to be their top card
Verification and reports
Confirmed against energyone.org on Aug 9, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: energyone.org rate page (checked Aug 9, 2026)