ORNL Federal Credit Union

Overview / Commentary
221 S Rutgers Ave
Oak Ridge, TN 37830

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 119th largest credit union in the nation. It was established in 1948 and as of March of 2024, it had grown to 492 employees and 202,563 members at 29 locations. ORNL Federal Credit Union's CD rates are 6X the national average, and it boasts 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.
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Reviews (2)


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

Posted by: |

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


Health Grade Components

NCUA #5797
Year Chartered1948
Primary Regulator
Profit Margin
Return on Assets - YTD1.07%
Return on Equity - YTD9.73%
Annual Interest Income$45.7MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$3.77B$3.33B
LoansQ1 2024vs Q1 2023$3.11B$2.65B
DepositsQ1 2024vs Q1 2023$3.16B$2.83B
Equity CapitalQ1 2024vs Q1 2023$408.5MM$346.7MM
Loan Loss AllowanceQ1 2024vs Q1 2023$29.5MM$29.3MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$10.4MM$6.5MM
Real Estate OwnedQ1 2024vs Q1 2023$87K$357K
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Always verify rates and promotions with the bank or credit union. We are not ORNL Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

ORNL Federal Credit Union Savings Account Rates

0.20%*$250k*-Accumulation IRA Savings
OTHER TIERS: 0.05% $0 - $50k | 0.10% $50k - $100k | 0.15% $100k - $250k
0.01%$0-Membership Account
0.01%$0-Plan Ahead Savings
0.01%$0-Health Savings Account
0.01%$0-Business Savings
0.01%$0-Business Membership Account

ORNL Federal Credit Union Money Market Rates

1.75%*$250k*-Money Market
OTHER TIERS: 0.05% $0 - $2.5k | 0.10% $2.5k - $25k | 0.25% $25k - $50k | 0.50% $50k - $100k | 1.25% $100k - $250k
1.75%*$250k*-Business Money Market
OTHER TIERS: 0.05% $0 - $2.5k | 0.10% $2.5k - $25k | 0.25% $25k - $50k | 0.50% $50k - $100k | 1.25% $100k - $250k

ORNL Federal Credit Union Checking Account Rates

4.00%*$0$5kSpending Plus Account
OTHER TIERS: 0.01% $5k+

ORNL Federal Credit Union CD Rates

5.05%$500-16 Month Promotional CD
5.00%$500-12 - 23 Month CD
5.00%$500-Business 12 - 23 Month CD
4.00%$500-6 - 11 Month CD
4.00%$500-Business 6 - 11 Month CD
3.85%$500-24 - 35 Month CD
3.85%$500-36 - 47 Month CD
3.85%$500-48 - 59 Month CD
3.85%$500-60 Month CD
3.85%$500-Business 24 - 35 Month CD
3.85%$500-Business 36 - 47 Month CD
3.85%$500-Business 48 - 59 Month CD
3.85%$500-Business 60 Month CD
2.00%$500-3 - 5 Month CD
2.00%$500-Business 3 - 5 Month CD

ORNL Federal Credit Union IRA Rates

5.05%$500-16 Month Promotional IRA
5.00%$500-12 - 23 Month IRA
4.00%$500-6 - 11 Month IRA
3.85%$500-24 - 35 Month IRA
3.85%$500-36 - 47 Month IRA
3.85%$500-48 - 59 Month IRA
3.85%$500-60 Month IRA
2.00%$500-3-5 Month IRA


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