Save for What's Next
Whether you are establishing your CUOne membership, building savings, earning more with a certificate, or planning for the future, we have savings options designed to help you reach your goals.
Share Savings
Your CUOne membership starts here with a simple savings account for everyday goals and future needs.
Share Certificates
Put your savings to work for a set term and earn a competitive return with monthly dividends.
Club Savings
Separate savings for holidays, vacations, emergencies, purchases, and other goals.
IRAs
Explore retirement and education savings options designed for longer-term financial goals.
Share Savings
Your CUOne membership starts here.
A simple foundation for saving and membership at Credit Union One.
Opening a Share Savings account establishes your membership with Credit Union One of Oklahoma. Keep funds available for future needs while earning dividends on qualifying balances.
- $25 membership deposit required to open
- Establishes your CUOne membership
- Use for everyday or long-term savings goals
- Earn dividends on qualifying balances
Membership Deposit $25
Establishes your CUOne membership.
Share Certificates
Put your savings to work for a set term.
Lock in a competitive rate and earn monthly dividends with a CUOne Share Certificate.
Share Certificates are designed for funds you do not need for everyday expenses. Choose the term that works for your savings plan and earn a fixed return for the certificate term.
- Terms ranging from 182 days through 4 years
- Monthly dividend payments
- Competitive fixed rates
- Automatic renewal unless otherwise specified
- Early principal withdrawals may be subject to penalty
Minimum opening deposit is $2,500 for the 182-day certificate and generally $500 for other standard certificate terms.
Available Terms 182 Days
to 4 Years
Multiple term options available.
Club Savings
Save with a purpose.
Keep money for specific goals separate from your everyday savings.
CUOne Club Savings accounts make it easier to set money aside for planned expenses and future goals without mixing those funds with your regular Share Savings account.
Club Savings
Create a separate savings account for the goal that matters to you.
- Vacations
- Emergency savings
- Tuition or education expenses
- Major purchases
- Other short-term savings goals
Holiday Club
Save throughout the year so holiday expenses are easier to manage when the season arrives.
- No minimum balance requirement
- Funds become available in November
- Designed specifically for holiday spending
- Early withdrawals are subject to the applicable fee
Individual Retirement & Education Accounts
Save today with the future in mind.
Explore savings options for retirement and qualified education goals.
CUOne offers retirement and education savings options for a variety of long-term goals. Eligibility, contribution limits, distributions, and tax treatment are governed by applicable IRS rules.
IRA Accumulation
Flexible retirement savings that allows you to build funds over time.
- $25 minimum opening deposit
- No maturity date
- Quarterly dividends
- No monthly maintenance fee
Roth IRA
Retirement savings funded with after-tax contributions and the potential for tax-free qualified distributions.
- Designed for long-term retirement savings
- Contributions are generally made with after-tax dollars
- Qualified distributions may be tax-free
Coverdell Education Savings Account
A tax-advantaged savings account designed to help pay qualified education expenses.
- Designed for qualified education expenses
- Subject to beneficiary eligibility requirements
- Contribution limits are established by federal tax rules
IRA Share Certificates
Prefer a fixed term? IRA Share Certificates provide another option for retirement savings.
- Available in select certificate terms
- Fixed rate for the certificate term
- Early withdrawal penalties may apply
Looking for Current Rates?
Savings, certificate, and IRA rates can change over time. Visit our current Share Rates page for the latest rates and Annual Percentage Yields.
Rates, Annual Percentage Yields, account terms, and minimum opening deposits are subject to change. Early withdrawal penalties may apply to Share Certificates and IRA Share Certificates. See the current Truth in Savings Disclosure, Fee Schedule, and applicable account disclosures for complete terms and conditions.
Credit Union One of Oklahoma does not provide tax or legal advice. IRA and Coverdell eligibility, contribution limits, distributions, and tax treatment are subject to federal tax rules and may change. Consult a qualified tax professional regarding your individual circumstances.