Ornl Credit Union Kingston TN | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Ornl, your trusted partner in financial well-being located at 1204 N Kentucky St, Kingston, TN 37763. Established in 1948, we have been proudly serving our community for over 75 years, building lasting relationships with our 219,109 members. At Ornl, we understand that every member's journey is unique. That's why we offer personalized financial services designed to meet your individual needs. Whether you're looking to open a checking account, secure an auto loan, or explore mortgage options, our dedicated team is here to guide you every step of the way. With total assets of over $4 billion and total deposits reaching $177,820,004, Ornl stands as a pillar of stability and trust in the Kingston community. We take pride in maintaining a robust net worth of $453,527,196, ensuring that your finances are safe and sound with us. Our CEO, Jenny Vipperman, along with Board President William Gorman, lead a team of 550 employees who are committed to providing exceptional service. Whether you're visiting us in person or using our online banking services available at ornlfcu.com, we're here to make banking easy and accessible for you. While members can visit us at our branch location, any official correspondence should be directed to the same address: 1204 N. Kentucky Street, Kingston, TN 37763. If you have questions or need assistance, don't hesitate to reach out at 865-688-9555 during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 8:30 AM to Noon. Join us today and experience the Ornl difference where your financial goals become our mission!

Branch History & Mission

At Ornl, we take pride in our rich history and the positive impact we've had on the Kingston community since our establishment in 1948. Located at 1204 N Kentucky St, Kingston, TN 37763, we have grown alongside our members, evolving from a small credit union into a robust financial institution serving over 219,000 members today. Our journey reflects a commitment to providing exceptional financial services while fostering community engagement. From our humble beginnings, we have achieved significant milestones. Over the years, our total assets have reached an impressive $4,064,319,542, allowing us to offer a wide range of services tailored to meet the diverse needs of our members. We are proud to provide personal banking options such as checking and savings accounts, auto loans, mortgage loans, and even business banking solutions. Our growth is fueled by our desire to empower individuals and families to reach their financial goals. Our mission at Ornl is simple yet powerful: to improve the financial well-being of our members and the communities we serve. We believe that everyone deserves access to affordable financial services and support. That's why we not only focus on offering competitive rates and innovative products but also prioritize community outreach initiatives that uplift those around us. Whether it's through partnerships with local organizations or hosting educational workshops, we strive to make a difference beyond just banking. We understand that accessibility is crucial for our members. That's why we offer convenient operating hours Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 8:30 AM to Noon for drive-thru services. Additionally, our ATM availability ensures you can access your funds whenever you need them. While members can visit us at 1204 N Kentucky St Kingston Tn 37763, official correspondence should be sent to 1204 N. Kentucky Street, Kingston, TN 37763 if different. If you're looking for a place where your money works for you and your community thrives together, look no further than Ornl. Join us today and experience the benefits of being part of a credit union that truly cares about its members! For more information or to start your journey with us, call us at (865) 688-9555 or visit us online at Ornl.

Branch Location & Accessibility

Convenient Location

Our Kingston branch is conveniently situated near local landmarks, making it accessible for everyone. Just a short drive from the picturesque Watts Bar Lake, our location provides ample parking and easy entry for all visitors. We pride ourselves on being accessible to everyone, with features that ensure a comfortable visit for all members.

Get in Touch

Have questions or need assistance? Don't hesitate to reach out! You can call us at 865-688-9555. Our friendly staff is always ready to assist you with any inquiries or concerns. We invite you to stop by our Kingston branch today! Experience firsthand how Ornl Credit Union is committed to providing exceptional service and support in our community. We look forward to serving you!

Operating Hours

We know your time is valuable, which is why we offer flexible operating hours. Our lobby is open Monday through Thursday from 9:00 AM to 5:00 PM and until 6:00 PM on Fridays. For those busy Saturdays, you can utilize our drive-thru service from 8:30 AM to noon, allowing you to manage your banking needs without disrupting your weekend plans.

Services Offered

At Ornl Credit Union, we provide a range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we have solutions tailored just for you. Our ATM is available on-site for quick cash withdrawals and balance checks, ensuring you can access your funds whenever you need them. If you're looking for convenience, our drive-thru service allows for deposits and simple transactions without leaving your car. We're dedicated to making banking as easy as possible! While members can visit us at 1204 N Kentucky St, official correspondence should be sent to our mailing address at the same location.

Member Eligibility

At Ornl, we believe that everyone deserves a chance to be part of a welcoming community where financial well-being is prioritized. Becoming a member is simple and inclusive! If you're living, working, or studying in the area, or even if you have family ties to our community, you may qualify for membership. We invite you to explore the unique benefits of joining us, like personalized service and a variety of financial products designed just for you. For full details on eligibility criteria, please check out this resource: . Ready to take the next step? Opening an account with us is straightforward! Just visit our website at https://www.ornlfcu.com/apply-today to start your journey toward becoming a valued member of Ornl. If you have any questions along the way, don't hesitate to reach out at (865) 688-9555. We're excited to welcome you into our family at 1204 N Kentucky St, Kingston, TN 37763!

Business Banking & Commercial Services

Financing Options Tailored for You

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.

Merchant Services That Make Life Easier

Imagine having a payment system that lets you serve your customers efficiently while keeping your cash flow smooth. Our merchant services allow businesses like yours to accept payments seamlessly, whether online or in-store. This means more time focusing on what you do best running your business. Located at 1204 N Kentucky St Kingston Tn 37763, Kingston, TN, we are here to partner with you every step of the way. Reach out at (865) 688-9555 or visit us today to discover how we can help elevate your business!

Comprehensive List Of Services

Borrowing Made Easy

Life sometimes brings unexpected expenses, and when it does, having access to personal loans and debt consolidation can make all the difference. At Ornl, we offer flexible loan solutions that can help you manage those costs effectively. And don't forget about our credit cards with rewards perfect for earning benefits while making everyday purchases.

Business Banking Services

For our business members, we provide essential banking solutions like merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your growth.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. With services like ATM access for withdrawals and balance checks, as well as person-to-person payments, banking has never been easier.

Drive-Thru & ATM Services

For those quick transactions, take advantage of our drive-thru banking services where you can handle deposits, withdrawals, and simple transactions without stepping inside the branch. Our ATMs also provide basic access for cash withdrawals and balance inquiries making it easy for you to stay connected to your finances on the go. At Ornl, we are dedicated to making banking not just efficient but also enjoyable. Our friendly team is always ready to assist you in finding the right financial products that meet your needs. If you're ready to experience personalized service and comprehensive offerings, give us a call at (865) 688-9555 or visit us at 1204 N Kentucky St Kingston Tn 37763 in Kingston, TN. We look forward to welcoming you into our family! For more information about opening an account or exploring our services further, check out our website at Kingston.

Personal Banking Solutions

Whether you're looking to manage day-to-day expenses or save for future goals, our personal banking services have got you covered. Open a checking or savings account with us, and enjoy convenient access to your funds. Need a vehicle? Our auto loans and vehicle financing options can help you get behind the wheel with ease. If you're planning to purchase a home, explore our mortgage loans and refinancing options tailored to fit your budget.

Digital & Online Banking

Key Features of Our Online Banking

With our online banking platform, you can check your account balances, transfer funds, and pay bills all in real time. It's like having a branch right in your pocket! For those who prefer to handle things on the go, our mobile application makes banking even easier. You can access all of these features from your mobile device, ensuring that you're never far from your finances. Managing paperwork has never been simpler with our electronic signature authorization feature. This means you can sign documents securely without ever needing to step foot in a branch. Additionally, we offer e-statements, allowing you to view and manage your statements electronically saving paper and making organization effortless.

Staying Connected and Secure

When it comes to payments, we've got you covered with mobile payments that let you make transactions at the tap of a button. Plus, our person-to-person transfer service allows you to send money to friends or family quickly and easily perfect for those last-minute expenses or shared outings. Security is always a top priority for us. Our online banking services are available 24/7, so you can manage your accounts whenever it suits you. Rest assured that your personal information is protected with state-of-the-art security measures. At Ornl, we're committed to making banking accessible and straightforward for everyone. Whether you're checking balances or making transfers, we're here to support you every step of the way!

Financial Strength

Member Trust

Total Share and Deposit Accounts: 479,842, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,411,631 further highlight our commitment to supporting your financial journey. 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 1204 N Kentucky St Kingston Tn 37763 or call (865) 688-9555 to learn more about how we can help you achieve your financial goals.

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 also 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.

Reinvestment for 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 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.

Secure 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.

Strong 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 have competitive options that can 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 recognize that every business has unique needs, and our team is here to assist you in finding the right solution.

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 offer flexible terms and guidance throughout the process to help you navigate home financing confidently.

Refinancing Options

If you're considering refinancing any existing loans, we can help assess your current situation and explore eligibility options that may save you money. It's always worthwhile to review your financial commitments to ensure you're getting the best possible terms. At Ornl, we're committed to supporting our members' financial journeys with practical lending solutions tailored to their specific needs. For more information about our loan offerings or to speak with one of our experts, feel free to reach out at (865) 688-9555. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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 are perfect for everyday purchases and come with features designed to give you control over your spending.

Loan Aggregator

Benefits of Using LendMesh

LendMesh stands out for several reasons: - Verified Data: All loan offers come from reputable lenders, ensuring clarity in what is available. - No Sponsored Listings: Unlike other platforms, LendMesh does not prioritize lenders based on paid promotions. This commitment to neutrality means users receive unbiased results. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions. This feature empowers users to make informed decisions that align with their financial needs. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

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 rigorous approach ensures that all comparisons are fair and transparent. Users can trust that the information they receive reflects genuine offers from legitimate financial institutions.

ORNL FEDERAL CREDIT UNION - Kingston, TN

Type of Loan Offerings

Personal Loans

Vehicle Loans