{"slug":"energy-one-federal-credit-union-oneup-checking-rate","category":"bank","institutionSlug":"energy-one-federal-credit-union","product":"OneUp Checking","title":"Energy One Federal Credit Union OneUp Checking: 5.00% APY","bonus":"5.00% APY","unit":"cash","amount":0,"reqShort":"No minimum, earn 5% APY on balances under $4999.99","expiresOn":null,"status":"live","verifiedOn":"2026-08-09","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"","applyDomain":"energyone.org","applyUrl":"https://www.energyone.org/personal-banking/checking","summary":"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.","reqSteps":[],"finePrint":["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"],"apy":500,"apyTerm":"ongoing APY on balances under $4999.99","listedOn":"2026-08-09","listedAt":"2026-08-09T13:06:18.427Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"energyone.org rate page","url":"https://www.energyone.org/personal-banking/checking","checkedOn":"2026-08-09"}],"needsVerification":false}