Ornl Credit Union Alcoa TN | Best Auto Loans & Low Mortgage Rates

Introduction

Welcome to Ornl, your trusted financial partner located at 103 Hamilton Crossing Dr, Alcoa, TN 37701. Since our establishment in 1948, we have proudly served our community, building a strong foundation of trust and support for our members. With a membership base of over 219,109, we are dedicated to providing personalized banking solutions that meet the unique needs of each individual. At Ornl, we understand that financial security is essential for you and your family. That's why we manage total assets exceeding $4 billion, ensuring that your money is safe and working for you. Our commitment to excellence is reflected in our robust offerings, including personal checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and business banking services. In addition to our comprehensive services, we maintain a solid financial position with total deposits of $177,820,004 and a net worth of $453,527,196. Our leadership team, headed by CEO Jenny Vipperman and Board President William Gorman, is dedicated to fostering a supportive environment where you can achieve your financial goals. While members can visit us at 103 Hamilton Crossing Dr, official correspondence should be sent to the same address. If you have questions or need assistance, don't hesitate to reach out! You can contact us at 865-688-9555 during our lobby hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 8:30 AM to noon. Join us today at Ornl where your financial success is our top priority. Visit our website at ornlfcu.com or come by our branch to learn more about how we can help you thrive!

Branch History & Mission

Join Us!

We invite you to become part of the Ornl family. Experience firsthand how we can assist you in reaching your financial goals while being part of a supportive community. For any inquiries or assistance, feel free to give us a call at (865) 688-9555 or visit us online at our website. Together, let's build a brighter financial future!

Our Journey

Located at 103 Hamilton Crossing Dr Alcoa Tn 37701, just a stone's throw away from local landmarks and easily accessible for all, our branch has seen significant growth over the years. We started with a simple mission: to offer affordable banking solutions while supporting the community that has supported us. As we evolved, so did our services. Today, we provide a wide range of options including personal banking accounts, auto loans, mortgages, credit cards with rewards, and even business banking solutions. Our journey is marked by milestones that reflect our dedication to both innovation and member satisfaction. We embrace technology while ensuring all services are accessible to everyone in our community. Our commitment to ADA compliance ensures that every member can use our facilities comfortably.

Our Mission

At Ornl, our mission goes beyond just numbers; it's about making a real difference in people's lives. We believe that financial stability leads to stronger families and communities. That's why we work tirelessly not only to provide excellent financial products but also to support local events and initiatives that uplift those around us. Whether you're looking for straightforward checking and savings accounts or seeking assistance with debt consolidation, our knowledgeable staff is here to help guide you through your financial journey. We aim to empower members with the right tools and resources they need to achieve their goals. While members can visit us at 103 Hamilton Crossing Dr Alcoa Tn 37701, official correspondence should be sent to 103 Hamilton Crossing Drive, Alcoa, TN 37701 if different. We're open during convenient hours: from 9:00 AM to 5:00 PM Monday through Thursday, 9:00 AM to 6:00 PM on Fridays, and 8:30 AM to Noon on Saturdays for drive-thru services.

Branch Location & Accessibility

Convenient Features

At our Alcoa location, parking is hassle-free, ensuring you can quickly access our services without any stress. We are committed to making banking accessible for everyone, with features that comply with ADA standards, including ramps and wide doorways for ease of entry.

Get in Touch

Ready to explore how we can help you achieve your financial goals? Feel free to give us a call at 865-688-9555 or drop by during our operating hours. We look forward to welcoming you into the Ornl family!

Operating Hours

We understand that life can be busy, which is why we offer flexible operating hours. You can visit us Monday through Thursday from 9:00 AM to 5:00 PM, on Friday from 9:00 AM to 6:00 PM, and even stop by on Saturday from 8:30 AM to noon for drive-thru services. Whether you're stopping by for a quick deposit or need assistance with a loan application, we're here when you need us.

Services Offered

At Ornl Credit Union, we pride ourselves on providing a variety of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans, mortgage loans, and credit cards with rewards our team is ready to assist you every step of the way. Plus, enjoy the convenience of our ATM available on-site for quick cash withdrawals and balance checks. If you prefer drive-thru banking for simple transactions, we've got that covered too! While members can visit us at our branch address for all their banking needs, please note that official correspondence should be sent to the same address as we do not have a separate mailing address.

Member Eligibility

At Ornl, we believe that becoming a member is like joining a caring community where your financial well-being matters. If you're wondering whether you can join us, the good news is that many people qualify! Generally, anyone who lives, works, or attends school in the area, or has family members who are already members, can apply to be part of our family. Plus, we are dedicated to providing services tailored to your needs, from checking accounts and auto loans to mortgage options. For full details on eligibility criteria, feel free to visit our website at . Ready to take the next step? Opening an account with us is simple and straightforward! You can start the process online by visiting https://www.ornlfcu.com/apply-today, or if you prefer speaking with someone directly, give us a call at (865) 688-9555. We're excited to welcome you to Ornl at 103 Hamilton Crossing Dr Alcoa Tn 37701, where we prioritize your financial journey every step of the way!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having the tools to accept payments easily from your customers while managing your cash flow seamlessly. Our merchant services offer just that giving you the ability to accept credit cards and digital payments effortlessly. This means more convenience for your customers and faster transactions for your business. Located at 103 Hamilton Crossing Dr Alcoa Tn 37701 in Alcoa, TN, our dedicated team is here to help you navigate your financial needs. Reach out to us at (865) 688-9555 to discover how we can support your business journey today!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $109 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $21 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $121,686,212, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Services

For our local entrepreneurs, we offer robust Business Banking solutions including merchant services and business loans. This means whether you're starting a new venture or expanding an existing one, we have the tools you need for success.

Credit and Debt Solutions

Managing debt can be challenging, but at Ornl, we make it easier with our Personal Loans & Debt Consolidation services. This allows you to streamline your payments and reduce financial stress. Plus, if you're looking for a way to make everyday purchases more rewarding, check out our Credit Cards with Rewards, which come with various benefits to suit your spending habits.

Digital and Convenient Banking

In today's fast-paced world, convenience is key. That's why we've invested in top-notch Online & Mobile Banking features. With these tools at your fingertips, managing your finances has never been easier. You can access your accounts anytime, anywhere for ATM withdrawals, balance checks, and even person-to-person payments all from the comfort of your home or on-the-go.

In-Person Services

If you prefer face-to-face interactions, visit us at our branch located at 103 Hamilton Crossing Dr Alcoa Tn 37701. We provide basic drive-thru banking for quick deposits and withdrawals as well as simple transactions that allow you to handle your banking needs efficiently without leaving your car. Whether you're visiting us in person or using our digital platforms, Ornl is here to support all aspects of your financial journey. Our team is ready to assist with any questions or concerns you may have just give us a call at (865) 688-9555. Ready to explore what we can do for you? Join us today by visiting our website or stop by at our branch! Your financial future starts here at Ornl!

Personal Banking

One of the cornerstones of our offerings is Personal Banking. We provide checking and savings accounts that fit your lifestyle, allowing you to manage your daily finances with ease. If you're considering purchasing a new vehicle, our Auto Loans & Vehicle Financing options can get you behind the wheel without breaking the bank. For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services offer competitive rates and flexible terms tailored for you.

Digital & Online Banking

Accessibility and Ease of Use

We believe that banking should be straightforward and accessible for everyone. That's why our digital services are designed to be user-friendly, making it easy for all members to navigate their accounts with confidence. Whether you're tech-savvy or just getting started, you'll find everything you need right at your fingertips. In today's fast-paced world, having instant access to your finances is crucial. At Ornl, we're committed to providing you with the convenience and security that modern banking demands. Discover how our digital banking solutions can simplify your life by visiting us online at https://www.ornlfcu.com/.

Key Services

With our online banking services, you can access your accounts anytime, anywhere. Check your balance, pay bills, and transfer funds with just a few clicks. Plus, our mobile application makes it even easier to manage your accounts right from your smartphone. You can also make mobile payments quickly and securely, allowing you to shop without the hassle of carrying cash or cards. Security is our top priority at Ornl. Our electronic signature authorization feature ensures that your transactions are safe and verified. Additionally, we offer e-statements, so you can receive your financial statements electronically, helping you stay organized while contributing to a more sustainable environment. Need to send money to a friend? Our person-to-person transfers make it simple to send or request money instantly, eliminating the need for cash or checks. And with our 24/7 online banking services, you can manage your finances whenever it suits you best.

Financial Strength

A Solid Foundation

With a net worth of $453,527,196, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,116 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Growing Together

Our commitment to serving you is reflected in the number of accounts we manage 479,842 total share accounts show a strong and growing member base that trusts us with their finances. Additionally, net shares available for lending stand at $2,411,631, further reinforcing our capability to meet your needs. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ornl is your trusted partner. Visit us at 103 Hamilton Crossing Dr Alcoa Tn 37701 or call (865) 688-9555 to learn more about how we can help you achieve your financial goals.

Investment in Growth

With $412,006,376 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is significant; with $41,590 in used auto loans and $3,389,938,692 in total loans and leases, we support our members' financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $1,252,662,346 in share certificates and $336,057,989 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is highlighted by a net income of $35,430,408, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 531 full-time employees and 19 part-time employees. This dedicated team ensures that our branches are always ready to serve you with knowledgeable support.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $864,984,600 in used vehicle loans and $363,663,785 in new vehicle loans already helping members get on the road. We strive to simplify the process for you, whether you're interested in financing a brand-new vehicle or a reliable used one.

Business Loans

For business owners, our outstanding commercial loans totaling $121,686,212 provide the capital needed to grow and expand your business. We understand the unique challenges businesses face and are committed to providing solutions that help you succeed.

Conclusion

At Ornl, we are dedicated to helping you navigate your financial journey. Whether you're looking for an auto loan, mortgage options, unsecured credit cards, or business financing, our team is here for you. Feel free to reach out at (865) 688-9555 or visit us at 103 Hamilton Crossing Dr Alcoa Tn 37701 in Alcoa, TN during our operating hours from 9:00 AM to 5:00 PM Monday - Thursday, 9:00 AM to 6:00 PM Friday, and 8:30 AM to Noon Saturday. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how we can assist you today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $165,169,232, make buying or refinancing simple. We are here to guide you through every step of the mortgage process, ensuring you find a plan that fits your budget and future plans.

Unsecured Credit Card Loans

Managing expenses can be challenging at times, which is why we also offer flexible terms on unsecured credit card loans. With a total of $40,103,756 in loans helping members manage their finances effectively, our credit cards come with various benefits designed to support your spending habits while keeping costs low.

Loan Aggregator

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Ornl

Type of Loan Offerings

Personal Loans

Vehicle Loans