Ornl Credit Union Decatur TN | Affordable Auto Loans & Business Banking

Introduction

Welcome to Ornl, your trusted financial partner located at 17640 State Highway 58 N, Decatur, TN 37322. Since our establishment in 1948, we have been dedicated to serving our community with a commitment to excellent member service and responsible financial practices. With a strong membership of over 219,000 individuals, we take pride in being a part of your financial journey. At Ornl, we understand the importance of financial security. That's why we manage total assets of over $4 billion, ensuring that your money is not just safe but also working hard for you. Our members enjoy the benefits of our diverse offerings, including personal banking services like checking and savings accounts, auto loans, mortgage refinancing, and business banking solutions. Led by our experienced CEO, Jenny Vipperman, and Board President William Gorman, our team of 550 employees is here to support you every step of the way. We're proud to say that our net worth stands at an impressive $453 million, reflecting our strength and stability in the financial landscape. While you can visit us directly at our branch location for personalized service, please note that any official correspondence should be sent to the same address as our branch: 17640 State Highway 58 N, Decatur, TN 37322-7774. We invite you to explore all that Ornl has to offer. Whether you're looking for competitive loan rates or convenient online banking options, we're here for you. Feel free to call us at 865-688-9555 during our lobby hours Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM to learn more about how we can assist you in achieving your financial goals. Join us today and experience the Ornl difference! For more information about our services, visit us online at ornlfcu.com.

Branch History & Mission

Community Focus

Our community outreach efforts reflect our belief in giving back. We actively partner with local organizations and participate in events that uplift our neighbors and promote financial literacy. These initiatives help strengthen ties within Decatur and beyond. As technology advances, we've ensured that our services remain accessible and user-friendly for all members. From mobile payments to online banking tools your convenience is our priority.

Join Us

We invite you to become part of the Ornl family. Experience firsthand how we can help you reach your financial goals while being part of a community-oriented credit union. For more information or to open an account today, visit us at ornlfcu.com or call us at 865-688-9555. Together, let's build a brighter financial future!

Our Journey

Over the years, Ornl has consistently focused on providing reliable financial services tailored to meet the diverse needs of our members. We started with a small group of individuals who believed in the power of community banking and have evolved into a key player in the financial landscape of Tennessee. Our commitment to growth and innovation has helped us thrive through changing times while maintaining strong connections with our members. Our journey is marked by milestones that reflect our dedication to service and community support. As we grew, so did our offerings from personal banking services like checking and savings accounts to auto loans, mortgages, and business banking solutions. Today, we stand proud as a member-centric credit union that prioritizes accessibility and customer satisfaction.

Our Mission

At Ornl Credit Union, our mission is simple yet profound: to empower our members financially while supporting the communities we serve. We believe that everyone deserves access to quality financial services that help them achieve their dreams. This mission drives us to create products that are not only beneficial but also accessible to all. We are committed to fostering an environment where every member feels valued and supported. Whether it's through personalized loan options or convenient online banking services, we strive to make your banking experience seamless and satisfying. While you can visit us at 17640 State Highway 58 N, official correspondence should be sent to our mailing address: 17640 State Highway 58 N, Decatur, TN 37322-7774.

Branch Location & Accessibility

Welcome to Ornl in Decatur, where convenience meets community! Located at 17640 State Highway 58 N Decatur Tn 37322, our branch is easily accessible for all your banking needs. Whether you're stopping by for personal banking or exploring loan options, we're here to help. Nestled along State Highway 58 N, our location is just a stone's throw away from local landmarks like the beautiful Decatur Park, making it easy to fit your banking visit into your day. Plus, with ample parking available, you can pop in without any hassle. At Ornl, we pride ourselves on providing an inclusive environment. Our facilities are ADA-compliant and equipped with ramps to ensure everyone can access our services comfortably. While our branch does not offer drive-thru service or ATMs at this location, we're committed to meeting all your banking needs during our operating hours Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. If you have any questions or need assistance, don't hesitate to call us at (865) 688-9555. We're always happy to help! While members can visit us at 17640 State Highway 58 N Decatur Tn 37322, official correspondence should be sent to 17640 State Highway 58 N, Decatur, TN 37322-7774. Come see us today and discover how Ornl can support your financial journey!

Member Eligibility

At Ornl, becoming a member is more than just opening an account; it's joining a friendly community that values your financial well-being. If you live, work, worship, or attend school in the area, you're likely already eligible to join us! We welcome individuals from diverse backgrounds and aim to provide services that cater to your unique needs. Membership here comes with perks like competitive rates on loans and savings accounts, personalized service, and access to various financial tools designed to help you thrive. To learn more about the specific eligibility criteria, feel free to visit our website. Once you're ready to take the next step, opening your account is simple and straightforward. Just head over to https://www.ornlfcu.com/apply-today for all the details! If you have any questions or need assistance, don't hesitate to call us at (865) 688-9555. We're excited to welcome you into the Ornl family at our branch located at 17640 State Highway 58 N Decatur Tn 37322!

Business Banking & Commercial Services

Financing Your Growth

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.

Simplifying Transactions

In addition to loans, we offer merchant services tailored for your daily operations. Imagine being able to accept payments seamlessly from customers, whether they prefer credit cards or mobile payments. This convenience not only enhances customer satisfaction but also helps improve your cash flow. Visit us at 17640 State Highway 58 N Decatur Tn 37322 in Decatur, TN, or call us at (865) 688-9555 to explore how our business banking solutions can help your company thrive.

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and small business owners, Ornl provides essential banking services such as merchant services and business loans. We know that running a business comes with its own set of challenges; that's why we tailor our solutions to help you succeed.

Connect With Us

We invite you to explore how our diverse range of financial products can support your goals at Decatur. For more information or assistance, please don't hesitate to call us at (865) 688-9555 during our convenient operating hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. Ready to take the next step? Visit us online at our website or click here to open an account today! At Ornl, we're here for you every step of the way.

Embracing Digital Banking

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking platforms. Manage your finances from anywhere with easy access to your accounts via our user-friendly app. You can pay bills, transfer funds, and even make person-to-person payments right from your phone. While we currently do not have ATM services at this branch, we ensure that cash withdrawal needs are met through various other means within our network.

Personal Banking Made Easy

Whether you're looking to open a checking or savings account, we have personal banking options designed for every stage of life. Our accounts come with features that make managing your money straightforward and stress-free. You can also take advantage of our auto loans and vehicle financing services, ensuring that you can hit the road with confidence. If homeownership is part of your dream, consider our mortgage loans and refinancing options. We understand that purchasing a home is a significant step, which is why our friendly team is here to guide you through the process. For those unexpected expenses or planned purchases, our personal loans and debt consolidation services can help you get back on track financially without overwhelming interest rates.

Rewards That Matter

Our credit cards with rewards offer benefits that fit your lifestyle. Whether you love to travel or simply want to earn cashback on everyday purchases, we have options that will reward you for using your card responsibly.

Digital & Online Banking

Key Features

With 24/7 online banking services, you can check balances, transfer funds, and pay bills without stepping foot in a branch. Our user-friendly interface makes it easy to navigate through your financial information. Plus, with features like electronic signature authorization, you can complete important documents securely without the hassle of printing or mailing. Stay organized with e-statements available at your convenience no more paper clutter! You can easily access your monthly statements online and keep track of your transactions effortlessly. If you're always on the move, our mobile application enhances your experience by allowing you to manage your accounts from your smartphone. Another great feature is mobile payments. With this option, making purchases has never been easier; simply use your phone to pay wherever contactless payments are accepted. Need to send money to a friend? Our person-to-person transfer service lets you send cash instantly with just a few taps on your device. At Ornl, we prioritize your security. Our online banking platform employs robust encryption and security measures to protect your personal information while ensuring that you have easy access to everything you need. Take charge of your finances today! Visit us online at https://www.ornlfcu.com/ and explore how our digital banking services can simplify your financial life.

Financial Strength

Growing Membership Base

With 479,842, showing a strong and growing member base that trusts us with their finances, it's clear that our community values what we offer. 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 17640 State Highway 58 N Decatur Tn 37322 or call (865) 688-9555 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our impressive $11,715,646 reflects our operational efficiency, 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 who are always ready to serve you with a knowledgeable, committed team.

Reinvestment in Member Services

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. This commitment allows us to continually improve the services we provide.

Secure Savings Opportunities

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.

Strong Net Worth

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 11.16% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Support for Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $41,590 in used auto loans and $3,389,938,692 in total loans and leases. This means you can trust us to help finance your dreams whether it's a new car or a home renovation.

Loan Offering

Additional Loan Options

For business owners, our outstanding commercial loans totaling $121,686,212 provide the capital needed to grow and expand your business operations. Additionally, if you're considering consolidating debt or making significant purchases, our personal loan options are tailored to meet various needs. We encourage you to explore refinancing options as well; they may provide opportunities for savings on existing loans based on current market conditions. At Ornl, we prioritize transparency and support throughout your borrowing journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're looking for an auto loan, mortgage financing, or other credit solutions, our knowledgeable staff is here to guide you through each step of the process. Visit us today or check out more about our offerings online!

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 new model or a reliable used vehicle, we have options that fit your budget and needs.

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 aim to provide competitive rates and flexible terms so that you can secure the home of your dreams without unnecessary stress.

Unsecured Credit Card Loans

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. These cards come with no collateral requirements and can be a great tool for building credit or covering unexpected expenses.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This sourcing guarantees that users receive fair and transparent offers. Every lender listed has been thoroughly vetted to ensure they meet strict compliance standards, allowing users to make informed choices without worrying about hidden fees or misleading information.

ORNL FEDERAL CREDIT UNION - Decatur, TN

Type of Loan Offerings

Personal Loans

Vehicle Loans

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Loan rates in Decatur, TN (37322)