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Savings Account

No matter what you’re saving for, a new home, a new addition, or an emergency fund, an OE Federal’s Savings Account has you covered. There’s always something worth saving for and we’re here to help.

  • Deposit $5 to open – No minimum balance
  • Up to 6 free withdrawals per month
  • Online, Mobile, & Text Banking
  • 60,000+ fee-free ATMs nationwide
  • Direct Deposit
  • Automatic Transfers

Money Market Accounts

If you’re looking for a higher rate account to store a lump sum of money, but aren’t sure you want to lock it away for several months or years, a Money Market Account is a good choice for you. At OE Federal, you’ll receive a higher dividend rate than your typical savings account but still have access to your money whenever you need.

  • $1,000 Minimum Deposit
  • Earns More Than a Savings
  • Up to 6 Free Withdrawals Per Month
  • Great for an Emergency Fund
  • Earns Compound Interest Monthly
  • No Monthly Fee

Youth Savings

Youth Accounts not only encourage the development of savings habits, they also promote financial education for the entire family. So, start 'em young with a Youth Account that offers FUN educational resources and awesome gameboards where they get a chance to win!

  • Available for kids and teens up to 17
  • Deposit $5 to open – No minimum balance to maintain
  • No monthly service fees
  • Online, Mobile, & Text Banking
  • 24/7 parental access


OE Federal’s Individual Retirement Accounts (IRA) make it easy to start saving some of your hard-earned cash for when you’re ready to retire. Whether you open a Traditional IRA or a Roth IRA, you will be ready to hang up your hardhat and enjoy your golden years when the time comes.

  • Start with as little as $100
  • Choose between tax-deferred or tax-free earnings
  • Compounded monthly
  • Avoid penalties by withdrawing at retirement
  • Easy way to invest in your future

Share Certificates

If you're looking for higher interest rates and peace of mind, a Share Certificate is the way to go. By agreeing to let your money sit for a certain period of time, you’ll earn more money than a savings account without the risk that comes with stock investments.

  • Minimum deposit of $1,000
  • Terms as short as 3 months, up to 5 years
  • Avoid penalties by completing your term
  • The longer it sits, the bigger the reward
  • Can be used as collateral for a loan