ORNL Federal Credit Union


Overview / Commentary
865-688-9555
221 S Rutgers Ave
Oak Ridge, TN 37830-6770

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 124th largest credit union in the nation. It was established in 1948 and as of December of 2021, it had grown to 466 employees and 185,676 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 Anderson, Blount, Campbell, Claiborne, Cocke, Grainger, Hamblen, Jefferson, Knox, Loudon, Monroe, Morgan, Roane, Scott, Sevier, or Union counties of Tennessee.
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

Posted by: |

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.

Posted by: |

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.

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

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Health

Health Grade Components

Overall
NCUA #5797
Year Chartered1948
Employees466
Primary Regulator
Profit Margin
Return on Assets - YTD1.18%
Return on Equity - YTD11.61%
Annual Interest Income$83.5MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$3.06B$2.74B
LoansQ4 2021vs Q4 2020$2.28B$2.06B
DepositsQ4 2021vs Q4 2020$2.60B$2.28B
Equity CapitalQ4 2021vs Q4 2020$307.4MM$275.3MM
Loan Loss AllowanceQ4 2021vs Q4 2020$26.4MM$23.6MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$15.2MM$12.9MM
Real Estate OwnedQ4 2021vs Q4 2020$1.5MM$3.8MM
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$250k*-Accumulation IRA Savings
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $100k | 0.15% $100k - $250k
0.01%--Membership Account
0.01%--Plan Ahead Savings
0.01%--Health Savings Account

ORNL Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$250k*-Money Market
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $100k | 0.15% $100k - $250k

ORNL Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%--Spending Plus Account

ORNL Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%*$250k*-60 Month CD
OTHER TIERS: 1.00% $500 - $100k | 1.10% $100k - $250k
0.80%$500$100k26 Month CD Special - Double Play
0.80%*$250k*-48 - 59 Month CD
OTHER TIERS: 0.65% $500 - $100k | 0.75% $100k - $250k
0.60%*$250k*-36 - 47 Month CD
OTHER TIERS: 0.45% $500 - $100k | 0.55% $100k - $250k
0.40%*$250k*-24 - 35 Month CD
OTHER TIERS: 0.25% $500 - $100k | 0.35% $100k - $250k
0.30%*$250k*-12 - 23 Month CD
OTHER TIERS: 0.15% $500 - $100k | 0.25% $100k - $250k
0.10%$500-6 - 11 Month CD
0.05%$500-3 - 5 Month CD

ORNL Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%*$250k*-60 Month IRA
OTHER TIERS: 1.00% $500 - $100k | 1.10% $100k - $250k
0.80%$500$100k26 Month IRA Special - Double Play
0.80%*$250k*-48 - 59 Month IRA
OTHER TIERS: 0.65% $500 - $100k | 0.75% $100k - $250k
0.60%*$250k*-36 - 47 Month IRA
OTHER TIERS: 0.45% $500 - $100k | 0.55% $100k - $250k
0.40%*$250k*-24 - 35 Month IRA
OTHER TIERS: 0.25% $500 - $100k | 0.35% $100k - $250k
0.30%*$250k*-12 - 23 Month IRA
OTHER TIERS: 0.15% $500 - $100k | 0.25% $100k - $250k
0.10%$500-6 - 11 Month IRA
0.05%$500-3-5 Month IRA
Locations

Availability



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