An electric personal water craft. The electric personal water craft produces its own electricity from an on-board fuel cell system. Hydrogen fuel is stored or produced within the hull of the personal water craft. The heat produced by the fuel cell stack can dissipated to the water environment for heat management of the fuel cell power system. Output from the fuel cell system may also be stored in a rechargeable NiMH battery and used alone or in conjunction with the fuel cell to provide electricity for the electric propulsion. A photovoltaic array can be used to supplement the electricity for use and to recharge the battery