# Energy One Federal Credit Union OneUp Checking: 5.00% APY

Canonical: https://dealaka.com/offers/energy-one-federal-credit-union-oneup-checking-rate

- Status: Limited reports
- Bonus: 5.00% APY
- APY: 5.00% (ongoing APY on balances under $4999.99)
- Requirement: No minimum, earn 5% APY on balances under $4999.99
- Expires: no published end date
- Availability: Nationwide
- Institution: Energy One Federal Credit Union
- Verified: Aug 9, 2026 against energyone.org
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the OneUp Checking.
2. Complete the requirement: No minimum, earn 5% APY on balances under $4999.99.

## 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

## Sources
- energyone.org rate page <https://www.energyone.org/personal-banking/checking> (checked Aug 9, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._