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No tricks.
More Reward.

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

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.

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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

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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.

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.

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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.

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

Education & Resources

Take charge of your finances.

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

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Financial empowerment starts here.

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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.
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