ORNL Federal Credit Union is headquartered in Oak Ridge and is the 4th largest credit union in the state of Tennessee. It is also the 108th largest credit union in the nation. It was established in 1948 and as of March of 2025, it had grown to 535 employees and 219,935 members at 32 locations. ORNL Federal Credit Union has an A health rating.
Field of Membership Restrictions
Membership in ORNL Federal Credit Union is open to those who live, work, worship, or attend schools in the Tennessee counties of Anderson, Blount, Campbell, Claiborne, Cocke, Grainger, Hamblen, Jefferson, Knox, Loudon, McMinn, Meigs, Monroe, Morgan, Rhea, Roane, Scott, Sevier, or Union.
See current membership details
WORST BANKING EXPERIENCE POSSIBLE!!!
i can't say they outright lie to you, they just don't tell you the whole story. Example: They bragged about their new mobile app and how you can make deposits directly from your phone. What they DIDN'T say was they would be placing a 9 day HOLD on those deposits! Gee, don't you think that would've been helpful information for me to know before I used it? Or, although they seem happy to have you as a new customer, they don't tell you that since you're a new customer your account will be flagged for 30 days, meaning any checks you deposit will receive an automatic 9 day HOLD placed on them regardless of whom they are drawn on!!! CROOKED ASSSHOLES!!!!
Need A 0 Star Rating
Been with ornl for 17 years and the past 4 to 5 years it has gone down hill, I’ve had the worst time with debit cards and changing address! First my debit card expired while I was on vacation and they never sent me a new one so I went to the bank to ask about that and they avoided the question and just made me a new card and told me to have a nice day. And now they have changed the cards and just asked about it and they said we sent one in November, and they sent it to my old address and told me I will have to report it lost or stolen like what!! I’ve told you all my new address multiple times and they can’t get nothing right. That’s just a small amount of problems I’ve had with them.
I WILL BE CLOSING MY ACCOUNT after 17 years with them
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 5797 |
| Year Chartered | 1948 |
| Employees | 535 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.09% |
| Return on Equity - YTD | 9.77% |
| Annual Interest Income | $55.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $4.29B$3.77B |
| Loans | Q1 2025vs Q1 2024 | $3.48B$3.11B |
| Deposits | Q1 2025vs Q1 2024 | $3.59B$3.16B |
| Equity Capital | Q1 2025vs Q1 2024 | $470.8MM$408.5MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $37.9MM$29.5MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $14.6MM$10.4MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$87K |
