ORNL Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.10% | 5-year CD | 60 Month CD 1.85% - Synchrony Bank 60 Month CD |
| 0.50% | 1-year CD | 12 - 23 Month CD 1.05% - Ally Bank High Yield 12-Month CD |
| 0.03% | Savings | Regular Share Savings 1.00% - Ally Bank Online Savings Account |
ORNL Federal Credit Union is headquartered in Oak Ridge and is the 3rd largest credit union in the state of Tennessee. It is also the 121st largest credit union in the nation. It was established in 1948 and as of June of 2016, it had grown to 483 employees and 153,261 members at 32 locations. ORNL Federal Credit Union has a B+ health rating.
Field of Membership Restrictions
Membership is open to those who live, work, worship, or attend schools in Anderson, Blount, Campbell, Claiborne, Cocke, Grainger, Hamblen, Jefferson, Knox, Loudon, Monroe, Morgan, Roane, Scott, Sevier, or Union counties of Tennessee.
See current membership details
Excellent Home Town Credit Union!
This place has the best banking experience I have ever had. Their loan rates are extremely competitive, and the approval process is extremely easy. The customer service is out of this world. There were a couple of times where my account was overdrawn, and when I explained the situation to them, they waived the fee! NO OTHER BANK would ever do that. The fees are where they make their money. Form ORNL, it always comes down to customer service. Little things like that are how you generate a customer for life. We have recently moved to a different state, but we are and will continue using ORNLFCU.
You guys ROCK!
Great Bank To Deal With
2013 I open an account with ORNL and since I have been with them I have not had any problems with them not only have I got a checking account but I also have a savings and a christmas club account i made the best decision to go with this bank because one day I made a deposit at the drive through and I gave the teller my ID and my debit card because I did not have a deposit slip and the teller gave back my ID but I did not realized that he did not give back my debit card back so I was at a store across from the back and the teller called me on my cell phone to let me know that they forgot to give me my debit card so I went back through the drive through and they gave back my debit card and I was gratful that there is a trust worthly bank that will contact there customer about mishap at the window.
I would recomend ornl to all my family and friends because they are very friendly and always have a smile on there faces.
ORNLFCU East Tennessee
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.
Penalizes Customers For Asking Questions
This institution believes that penalizing customers for inquiring about banking practices, products, and services is a fair business practice. This is the only business I have ever encountered that will penalize a customer for asking questions. If you start to bank with them, always asks questions anonymously. They will remove features from your account, based upon questions you asks. They suck, I am closing my account!
Excessive Cheque Holds And Poor Communication.
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.
Data as of Q2 2016
Learn more about bank healthHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 5797 |
| Year Chartered | 1948 |
| Employees | 483 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.62% |
| Return on Equity - YTD | 5.81% |
| Annual Interest Income | $27.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $1.77B$1.66B |
| Loans | Q2 2016vs Q2 2015 | $1.40B$1.33B |
| Deposits | Q2 2016vs Q2 2015 | $1.46B$1.36B |
| Equity Capital | Q2 2016vs Q2 2015 | $189.2MM$178.6MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $10.3MM$10.5MM |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $19.6MM$16.2MM |
| Real Estate Owned | Q2 2016vs Q2 2015 | $4.0MM$5.6MM |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.35%* | $100k* | - | IRA Share Account | ||
| OTHER TIERS: 0.10% → Up to $2,500 | 0.20% → $2,500 - $25k | 0.30% → $25k - $100k | |||||
| 0.03% | - | - | Regular Share Savings | ||
| 0.03% | - | - | Vacation Club | ||
| 0.03% | - | - | Christmas Club | ||
ORNL Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.30%* | $100k* | - | Smart Money Account | ||
| OTHER TIERS: 0.15% → $2,500 - $25k | 0.20% → $25k - $100k | |||||
| 0.30%* | $100k* | - | Money Market (No Drafts) | ||
| OTHER TIERS: 0.10% → Up to $2,500 | 0.15% → $2,500 - $50k | 0.20% → $50k - $100k | |||||
| 0.10%* | $100k* | - | Money Market (With Drafts) | ||
| OTHER TIERS: 0.03% → Up to $25k | 0.05% → $25k - $100k | |||||
ORNL Federal Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.03% | - | - | Classic Checking | |
| 0.03% | - | - | Deluxe Checking |
ORNL Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.75% | $10k | - | 60 Month DP CD - External Funds | |
| 1.75% | $10k | - | 60 Month DP CD - Internal Funds | |
| 1.50% | $10k | - | 48 Month DP-59 Month DP CD - External Funds | |
| 1.50% | $10k | - | 48 Month DP-59 Month DP CD - Internal Funds | |
| 1.40% | $100k | - | 60 Month Jumbo CD for Platinum Members | |
| 1.30% | $500 | $100k | 60 Month CD for Platinum Members | |
| 1.20% | $100k | - | 60 Month Jumbo CD | |
| 1.20% | $100k | - | 48 - 59 Month Jumbo CD for Platinum Members | |
| 1.10% | $500 | $100k | 60 Month CD | |
| 1.10% | $500 | $100k | 48 - 59 Month CD for Platinum Members | |
| 1.00% | $100k | - | 48 - 59 Month Jumbo CD | |
| 1.00% | $100k | - | 36 - 47 Month Jumbo CD for Platinum Members | |
| 0.90% | $500 | $100k | 48 - 59 Month CD | |
| 0.90% | $100k | $100k | 24 - 35 Month Jumbo CD for Platinum Members | |
| 0.90% | $500 | $100k | 36 - 47 Month CD for Platinum Members | |
| 0.80% | $100k | $100k | 36 - 47 Month Jumbo CD | |
| 0.80% | $100k | - | 12 - 23 Month Jumbo CD for Platinum Members | |
| 0.80% | $500 | $100k | 24 - 35 Month CD for Platinum Members | |
| 0.70% | $500 | $100k | 36 - 47 Month CD | |
| 0.70% | $100k | - | 24 - 35 Month Jumbo CD | |
| 0.70% | $500 | $100k | 12 - 23 Month CD for Platinum Members | |
| 0.60% | $500 | $100k | 24 - 35 Month CD | |
| 0.60% | $100k | - | 12 - 23 Month Jumbo CD | |
| 0.59% | $500 | $100k | 12 Month Variable CD | |
| 0.50% | $500 | $100k | 12 - 23 Month CD | |
| 0.40% | $100k | - | 6 - 11 Month Jumbo CD for Platinum Members | |
| 0.35% | $100k | - | 1 - 2 Month Jumbo CD for Platinum Members | |
| 0.35% | $100k | - | 3 - 5 Month Jumbo CD for Platinum Members | |
| 0.30% | $2,500 | $100k | 6 - 11 Month CD for Platinum Members | |
| 0.25% | $2,500 | $100k | 3 - 5 Month CD for Platinum Members | |
| 0.20% | $100k | - | 6 - 11 Month Jumbo CD | |
| 0.15% | $100k | $100k | 1 - 2 Month Jumbo CD | |
| 0.15% | $100k | - | 3 - 5 Month Jumbo CD | |
| 0.10% | $2,500 | $100k | 6 - 11 Month CD | |
| 0.05% | $2,500 | $100k | 3 - 5 Month CD |
ORNL Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.75% | $10k | - | 60 Month DP IRA - External Funds | |
| 1.75% | $500 | - | 60 Month DP IRA - Internal Funds | |
| 1.50% | $10k | - | 48 Month DP-59 Month DP IRA - External Funds | |
| 1.50% | $500 | - | 48 Month DP-59 Month DP IRA - Internal Funds | |
| 1.40% | $100k | - | 60 Month Jumbo IRA for Platinum Members | |
| 1.30% | $500 | $100k | 60 Month IRA for Platinum Members | |
| 1.20% | $100k | - | 48 - 59 Month Jumbo IRA for Platinum Members | |
| 1.20% | $100k | - | 60 Month Jumbo IRA | |
| 1.10% | $500 | $100k | 48 - 59 Month IRA for Platinum Members | |
| 1.10% | $500 | $100k | 60 Month IRA | |
| 1.00% | $100k | - | 36 - 47 Month Jumbo IRA for Platinum Members | |
| 1.00% | $100k | - | 48 - 59 Month Jumbo IRA | |
| 0.90% | $100k | $100k | 24 - 35 Month Jumbo IRA for Platinum Members | |
| 0.90% | $500 | $100k | 36 - 47 Month IRA for Platinum Members | |
| 0.90% | $500 | $100k | 48 - 59 Month IRA | |
| 0.80% | $100k | - | 12 - 23 Month Jumbo IRA for Platinum Members | |
| 0.80% | $500 | $100k | 24 - 35 Month IRA for Platinum Members | |
| 0.80% | $100k | $100k | 36 - 47 Month Jumbo IRA | |
| 0.70% | $500 | $100k | 12 - 23 Month IRA for Platinum Members | |
| 0.70% | $100k | - | 24 - 35 Month Jumbo IRA | |
| 0.70% | $500 | $100k | 36 - 47 Month IRA | |
| 0.60% | $100k | - | 12 - 23 Month Jumbo IRA | |
| 0.60% | $500 | $100k | 24 - 35 Month IRA | |
| 0.59% | $500 | $100k | 12 Month Variable IRA | |
| 0.50% | $500 | $100k | 12 - 23 Month IRA | |
| 0.40% | $100k | - | 6 - 11 Month Jumbo IRA for Platinum Members | |
| 0.35% | $100k | - | 3 - 5 Month Jumbo IRA for Platinum Members | |
| 0.35% | $100k | - | 1-2 Month Jumbo IRA for Platinum Members | |
| 0.30% | $2,500 | $100k | 6 - 11 Month IRA for Platinum Members | |
| 0.25% | $2,500 | $100k | 3 - 5 Month IRA for Platinum Members | |
| 0.20% | $100k | - | 6 - 11 Month Jumbo IRA | |
| 0.15% | $100k | - | 3 - 5 Month Jumbo IRA | |
| 0.15% | $100k | - | 1-2 Month Jumbo IRA | |
| 0.10% | $2,500 | $100k | 6 - 11 Month IRA | |
| 0.05% | $2,500 | - | 3-5 Month IRA |
ORNL Federal Credit Union has 32 locations. Click to view all ORNL Federal Credit Union locations.