Essential oils are the most commonly used topical anti-bacterial and anti-fungal treatments. According to the National Center for Biotechnology Information, essential oils have anti-microbial properties that fight bacteria and fungi. There are more than a dozen essential oils. Essential oils most effective in treating fungal infections include lavender oil, glove oil, coconut oil, orange oil, jojoba oil, rosemary oil, oil of oregano, and the most widely used--tea tree oil. Tea tree oil, according to Drug Information Online, can be used for fungal infections, scalp infections, cuts, acne, burns, stings, yeast infections, and even respiratory disorders.