Skip To Main Content

No hoops.
More Reward.

4.00% APY* on our high-yield checking account for balances up to $5,000!

File Smart. Save Big.

People over profit, always.

Why bank with us?

We are a member-owned, not-for-profit community credit union. That means profits are paid back to you with higher savings rates and lower loan rates.

Learn More

Financial Expertise To Serve You

We guide you towards your financial goals and help you develop a healthy relationship with money.

We’re Here To Help You Develop a Healthy Relationship With Money

Open An Account

Money Management Made Easy

Never worry about unexpected fees or unexplained charges. We are 100% transparent to make your life easier.

We Invest in Our Community

We’re not just a part of the community — we actively serve the community with give-back programs and local scholarships.

Services

This is a carousel with manually-rotating slides. Use Next and Previous buttons to navigate.

Auto Loans

Financing solutions for any credit situation.

Learn More

Mortgages

ORNL FCU brings you one step closer to your dream home.

Learn More

Checking

Money management simplified — skip the fine print.

Learn More

Savings

Grow your money with accounts that work in your best interest.

Learn More

Locate ORNL FCU Near You

ORNL FCU offers 28 branches throughout East Tennessee and over 30,000 fee-free ATMs nationwide.

Bank Safely With ORNL FCU Anywhere

Whether you’re making payments at home or on the go, securely manage your money with our mobile app.

  • Bank Anywhere

    Pay bills and loans, move money quickly between accounts, and make secure mobile deposits.

  • Manage Cards

    Easily lock and unlock your ORNL FCU cards or report it lost or stolen.

  • Secure Access

    Conveniently access your money with secure fingerprint and face ID login on our mobile app.

  • Branch & ATM Finder

    Find the nearest ORNL FCU branch and fee-free ATMs.

Download on the App Store Get it on Google Play

Together,
We Thrive

Since 1948, ORNL FCU has been dedicated to making a difference in our community. Whether it’s giving back to educational programs, the arts, or wellness initiatives, we are passionate about creating a positive impact for the people of East Tennessee.

Learn More
  • $0M+ Special dividend paid since 2018
  • $1M+ Yearly community investment
  • 0+ Organizations supported each year

Education & Resources

Take charge of your finances.

View All Posts

ABOUT CREDIT UNIONS

Credit unions: what they are & what they aren’t.

Learn More

BLOG

Financial empowerment starts here.

Learn More
ORNL Federal Credit Union provides financial services to businesses and anyone who lives, works, worships, or attends school in these 19 counties in East Tennessee: Anderson, Blount, Campbell, Claiborne, Cocke, Grainger, Hamblen, Jefferson, Knox, Loudon, McMinn, Meigs, Monroe, Morgan, Rhea, Roane, Scott, Sevier, and Union.
­ ­