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 120th largest credit union in the nation. It was established in 1948 and as of September of 2023, it had grown to 479 employees and 198,847 members at 28 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

Related Posts

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I love and trust my bank so much.

I absolutely love my bank. I have been with them forever and they always have amazing customer service with anything we have ever needed. Even the few times mistakes have happened they quickly and accurately fix them. They offer checking, savings, loans, cds, investments, kids programs, Christmas programs to help save money to buy gifts and so much more. I love that they have alot of locations and I love their drive thru options as well. My favorite thing I use with them is their phone app. On this app I pay bills through their online bill pay, can track when things have cleared and even transfer money from one account to another. I would recommend this credit union above all else. Oh and they also allow direct deposit so that is so helpful as well! Great bank!

ORNLFCU East Tennessee

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The credit union I use to hold my money has been beyond my expectation. I had a car loan through another provider that had an interest rate of 13.5%, and it was costing me a lot of money over each month. I brought all my paperwork to ORNLFCU, and I asked them to review my profile, and see if they could secure a better rate for me. The loan officer was very helpful and walked me through exactly how they decide. Once all the paper work was submitted, the loan officer called me to happily inform me they would take on my loan at an interest of 1.9% monthly. The credit union has saved me a lot of money, and I appreciate their service with reasonable fees.

Excessive Cheque Holds And Poor Communication.

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I have been using credit unions for 7 years now and ORNL is the worst. They hold your cheques for 9 business days until you have established a 'relationship' with them, which no one will tell me how long that is. No one told me about any holds until I noticed them and called. Very poor customer service and I have never felt so held hostage.


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!!!!



Health Grade Components

NCUA #5797
Year Chartered1948
Primary Regulator
Profit Margin
Return on Assets - YTD1.57%
Return on Equity - YTD14.54%
Annual Interest Income$99.4MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$3.55B$3.11B
LoansQ3 2023vs Q3 2022$2.95B$2.49B
DepositsQ3 2023vs Q3 2022$2.95B$2.73B
Equity CapitalQ3 2023vs Q3 2022$376.2MM$311.1MM
Loan Loss AllowanceQ3 2023vs Q3 2022$30.1MM$28MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$11.9MM$12.6MM
Real Estate OwnedQ3 2023vs Q3 2022$190K$127K

Rates for ORNL Federal Credit Union are currently being reviewed.



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