Ornl Credit Union Athens TN | Affordable Auto Loans & ATM Services

Introduction

Welcome to Ornl in Athens, where we've been serving our community since 1948. Located at 103 W Washington Ave, Athens, TN 37303, our branch has become a trusted financial partner for over 219,109 members. With total assets exceeding $4 billion, we are committed to providing exceptional service and support to help you achieve your financial goals. At Ornl, we take pride in our strong community ties and understanding of local needs. Our dedicated team of 550 employees, led by CEO Jenny Vipperman and Board President William Gorman, works tirelessly to ensure every member feels valued and supported. Whether you're looking for personal banking solutions like checking accounts, auto loans, or mortgage refinancing, or business banking services such as merchant services and business loans, we have something for everyone. While you can reach us at our branch location, please note that official correspondence should be sent to the same address: 103 W Washington Ave, Athens, TN 37303-3544. Our lobby hours are Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM, so feel free to drop by or call us at 865-688-9555 with any questions. With total deposits of $177,820,004 and a net worth of $453,527,196, we are financially sound and ready to assist you in making smart financial decisions. Explore how we can serve your needs today by visiting our website at ornlfcu.com. We look forward to welcoming you into our Ornl family!

Branch History & Mission

Community Commitment

Our branch operates with a customer-centric approach. With convenient drive-thru banking available, along with modern online and mobile banking options, we're here to make your banking experience as smooth as possible. We also prioritize accessibility; our facilities comply with ADA standards to ensure everyone can access our services easily.

Join Us!

As we look ahead to the future, we invite you to become part of the Ornl family. Whether you're looking for personal banking services or ways to strengthen your business finances, you can count on us for support every step of the way. Experience the benefits of membership today by visiting us or applying online at our website. Together, let's build a brighter financial future!

Our Journey

Since our inception, Ornl has evolved significantly while staying true to our core values. Over the years, we have built a robust foundation of trust and reliability. Our total assets now exceed an impressive $4.06 billion, which reflects the financial health and stability that we offer to our members. As we continue to expand our services, our mission remains clear: to enhance the financial well-being of our members and the communities we serve.

Our Mission

At Ornl, our mission is simple yet powerful. We aim to provide personalized banking solutions that empower individuals and families to achieve their financial goals. We understand that every member's journey is unique, which is why we offer a wide range of services including personal banking, auto loans, mortgage financing, and business banking solutions. Our commitment extends beyond just financial products; we actively engage in community outreach efforts that help foster growth and development in Athens and surrounding areas. While members can visit us at 103 W Washington Ave, official correspondence should be sent to 103 W Washington Ave, Athens, TN 37303-3544 if different from the branch address.

Branch Location & Accessibility

Accessibility Features

At Ornl, we strive to ensure that all members can access our services with ease. Our Athens branch is equipped with ADA-compliant features, including ramps and accessible parking spaces. Whether you're visiting for a simple transaction or seeking advice on loans and accounts, we're here to assist everyone.

Contact Us

Have questions? Feel free to give us a call at (865) 688-9555. Our knowledgeable staff is eager to assist you with personal banking solutions like checking and savings accounts, auto loans, mortgage options, and more. While you're welcome to visit us at 103 W Washington Ave Athens Tn 37303, if you need to send any official correspondence, please use our mailing address: 103 W Washington Ave, Athens, TN 37303-3544. We invite you to come by the Ornl Athens branch today! Experience firsthand how we can support your financial journey in a friendly and welcoming environment.

Operating Hours

We understand that life can be busy, so we've tailored our operating hours to fit your schedule. Visit us Monday through Thursday from 9 AM to 5 PM, and on Friday from 9 AM to 6 PM. Whether you're stopping by before work or during lunch, our team is ready to help you manage your financial needs.

Parking and Drive-Thru Banking

Parking is available right outside the branch, making it hassle-free for you to come in. Plus, we offer drive-thru banking services for those days when you're on the go. Simply pull up and let us help you with deposits, withdrawals, and other quick transactions without leaving your vehicle.

Member Eligibility

Becoming a member of Ornl is like stepping into a welcoming community where your financial needs are prioritized. If you're located in the Athens area or connected to our vibrant community, you may be eligible to join us! Typically, membership is open to individuals who live, work, worship, or attend school in McMinn County. We cherish every member and strive to provide personalized service and resources that empower your financial journey. To get started, simply visit us at 103 W Washington Ave Athens Tn 37303 or give us a call at (865) 688-9555 for more information on how to qualify. You can also check out the eligibility details online at for the most up-to-date information. Ready to take the next step? Opening an account is straightforward; find all you need to know about getting started by visiting https://www.ornlfcu.com/apply-today. Join us today and experience the benefits of being part of the Ornl family!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having a reliable partner for your payment processing needs. Our merchant services simplify transactions, allowing you to focus on what you do best running your business. With solutions tailored to your industry, you can accept payments easily and efficiently, enhancing customer satisfaction while boosting your sales. Located at 103 W Washington Ave Athens Tn 37303 in Athens, TN, we invite you to explore how our business banking services can fuel your success. Reach out today at (865) 688-9555!

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

Convenient Access and Customer Support

We prioritize convenience for our members at Ornl. With Online & Mobile Banking, you can manage your accounts anytime, anywhere. Our user-friendly mobile application allows for mobile payments and person-to-person transfers without hassle. If you prefer face-to-face interaction, visit us during lobby hours or use our Basic Drive-Thru Banking for deposits and withdrawals making it easy to access cash quickly.

Financial Assistance and Credit Options

In life's unexpected moments, our Personal Loans & Debt Consolidation can provide the financial relief you need. Whether it's for unexpected expenses or consolidating debt into one manageable payment, we have solutions for you. Additionally, our Credit Cards with Rewards offer benefits that give back every time you spend. For small businesses or entrepreneurs, we understand the importance of reliable financial support. Our Business Banking services include merchant services and business loans that empower local businesses to thrive in our community.

Get Started Today!

Explore all the services we have to offer at Ornl, located at 103 W Washington Ave Athens Tn 37303 in Athens, TN. For questions or further assistance, feel free to call us at (865) 688-9555. We invite you to visit our website here for more information or apply for an account today here. Let us partner with you on your financial journey!

Personal Banking Solutions

For those looking to establish a solid foundation for their finances, our Personal Banking services include both checking and savings accounts that help you save effectively while managing day-to-day expenses. Imagine having easy access to your funds through our convenient online and mobile banking platforms. You can check your balance, transfer money, and pay bills from anywhere at any time. If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing options can make that dream car a reality. We offer competitive rates and flexible terms to fit your budget. And if you're planning to buy a home or refinance your existing mortgage, our Mortgage Loans & Refinancing services are designed to help you navigate the process smoothly.

Digital & Online Banking

Key Services

Our online banking service provides 24/7 access to your accounts, allowing you to check balances, pay bills, and transfer funds at your convenience. Need to send money to a friend? Our person-to-person transfer feature lets you do just that with ease. Plus, if you're always on the go, take advantage of our mobile application, which is designed to give you full control over your finances right from your smartphone. Keeping track of your financial statements is now simpler than ever with e-statements available at no extra cost. You can easily view and manage your statements digitally, all while reducing paper waste. And for added convenience, we offer electronic signature authorization, making it quicker and more efficient to handle important documents from anywhere.

Security and Accessibility

We prioritize the safety of your personal information with robust security measures in place. This means you can bank online with confidence, knowing that your data is protected. Whether you prefer using our website or our mobile application, both platforms are user-friendly and designed for real-time account management. Additionally, our mobile payments feature allows you to make purchases directly from your phone without the hassle of cash or cards. It's just one more way we strive to enhance your banking experience. At Ornl, we're committed to providing you with accessible and innovative banking solutions that fit into your lifestyle. Explore all that our digital and online banking services have to offer today!

Financial Strength

A Growing Membership Base

Total Share Accounts: 479,842, showing a strong and growing member base that trusts us with their finances. 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 W Washington Ave Athens Tn 37303 or call (865) 688-9555 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Investing Back into Our Community

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 commitment to your financial success is reflected in our robust lending capacity: we have $41,590 in used auto loans and a total of $3,389,938,692 in loans and leases supporting members' financial goals across various sectors.

Member-Centric Savings Options

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 $35,430,408 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 531 full-time employees and 19 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

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.

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. Whether you're interested in financing a brand-new vehicle or a reliable used one, we've got options that fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $121,686,212 provide the capital needed to grow and expand. We know how vital access to funds is for small businesses, and we're here to support you every step of the way.

Credit Card Loans

For those looking to manage expenses more effectively, we also offer flexible terms on unsecured credit card loans, with a total of $40,103,756 in loans helping members navigate their finances. Our credit cards come with features that allow you to earn rewards while making purchases.

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 provide competitive rates and flexible terms to help you secure the home of your dreams.

Refinancing Options

If you're considering refinancing any existing loans, be sure to ask us about our eligibility options! We strive to make the process as smooth as possible so you can focus on what matters most. Our branch is conveniently located at 103 W Washington Ave Athens Tn 37303, and you can reach us at (865) 688-9555 for any questions or assistance you may need. We're open Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Ornl, we're committed to supporting your financial journey with products designed for your success. Visit us today or explore more about our offerings online!

Loan Aggregator

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Ornl

Type of Loan Offerings

Personal Loans

Vehicle Loans