Ornl Credit Union Oak Ridge TN | Low Mortgage Rates & Business Banking

Introduction

Welcome to Ornl! Located at 1 Bethel Valley Rd, Oak Ridge, TN 37830, we have proudly served our community since 1948. As a trusted credit union, our commitment is to provide personalized financial solutions that empower our members. With a total membership of over 219,000, we work hard to ensure that every member's financial needs are met with care and expertise. At Ornl, our assets stand tall at an impressive $4,064,319,542, reflecting the trust placed in us by our valued members. We offer a diverse range of services including checking and savings accounts, auto loans, mortgage financing, and business banking solutions. Currently, our total deposits amount to $177,820,004, showcasing the solid foundation we've built through years of dedicated service. Our leadership team is here to support you every step of the way. Led by CEO Jenny Vipperman and Board President William Gorman, we emphasize community impact and member satisfaction above all else. With a workforce of 550 employees, we're committed to providing exceptional service during our operating hours from 8:00 AM to 4:00 PM, Monday through Friday. While members can visit us at our branch location for their banking needs, official correspondence should be directed to PO Box 365, Oak Ridge, TN 37831. If you have any questions or need assistance, feel free to reach out at 865-688-9555. Join us today at Ornl and experience the difference of being part of a credit union that truly values its members! For more information about our services or to open an account online, visit us at ornlfcu.com.

Branch History & Mission

At Ornl, our story began in 1948, when we opened our doors to serve the community of Oak Ridge, TN. Over the years, we have evolved from a small credit union into a trusted financial partner for over 219,000 members. Our commitment to providing personalized service and fostering financial well-being has been the cornerstone of our growth. Located at 1 Bethel Valley Rd, Oak Ridge, TN 37830, our branch stands as a beacon of support for those seeking financial solutions. Nearby landmarks such as the Oak Ridge National Laboratory highlight our rich local heritage and connection to scientific advancement. While members can visit us at this address, official correspondence should be sent to PO Box 365, Oak Ridge, TN 37831. Our mission is simple yet powerful: to empower our members with the tools they need to achieve their financial goals while contributing positively to our community. We offer a wide range of services, including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking options. We understand that each member's journey is unique, and we strive to provide tailored solutions that fit their needs. In addition to traditional banking services, we embrace modern technology to enhance member experience. Our digital offerings include online banking and mobile payments to ensure that managing finances is easy and accessible. We are also proud to maintain ADA compliance so that all members can enjoy our services comfortably. Throughout our history, we have actively engaged with the community through various outreach efforts and partnerships aimed at supporting local initiatives. This commitment reflects our belief in building stronger neighborhoods where everyone can thrive. As we look towards the future, we invite you to join Ornl and become part of a legacy built on trust and community spirit. Experience firsthand how we can support your financial journey today! For more information or assistance, feel free to call us at 865-688-9555 during our lobby hours from 8:00 AM to 4:00 PM Monday through Friday. Explore the benefits of membership by visiting our website or apply today here.

Branch Location & Accessibility

Additional Features

For those on the go, we have an ATM available right at our branch for quick cash withdrawals and balance checks. Unfortunately, we do not have drive-thru service at this location; however, our friendly team is always ready to help inside the branch. Feel free to give us a call at 865-688-9555 if you have any questions or need assistance. We invite you to visit us soon and experience the exceptional service that Ornl Credit Union is known for!

Operating Hours

We are open Monday through Friday from 8:00 AM to 4:00 PM, making it easy for you to stop by before or after work. Our friendly staff is ready to assist you with a variety of services tailored to meet your financial needs.

Services Offered

At Ornl Credit Union, we offer a wide range of services that include checking and savings accounts, auto loans, mortgage financing, personal loans, and credit cards with rewards. We also provide business banking solutions such as merchant services and business loans. If you prefer managing your finances from home, our online and mobile banking options are available for your convenience.

Member Eligibility

At Ornl, we believe that everyone deserves a chance to be part of a supportive community. Joining us as a member is simple and welcoming! If you live, work, or go to school in the area around 1 Bethel Valley Rd Oak Ridge Tn 37830, you may be eligible for membership. Our members enjoy a range of benefits, including competitive rates on loans and personalized service tailored to meet your unique financial needs. To find out more about eligibility criteria, feel free to check our detailed resource at . Getting started is easy! You can open an account online by visiting https://www.ornlfcu.com/apply-today or give us a call at (865) 688-9555 if you have any questions. We're here to help you take the first step toward being part of something special at Ornl!

Business Banking & Commercial Services

Merchant Services

In addition to loans, we offer comprehensive merchant services that simplify transactions and enhance customer experiences. Imagine being able to accept payments seamlessly, whether in-store or online. Our services help you manage sales efficiently, allowing you to focus on what matters most growing your business. Explore how Ornl can partner with you for success at our location in 1 Bethel Valley Rd Oak Ridge Tn 37830, Oak Ridge, TN. Contact us at (865) 688-9555 to learn more about our offerings!

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

ATM and Cash Withdrawal Services

Need cash? Our ATM services allow you basic access for withdrawals and balance checks whenever you need it. Enjoy the freedom of managing your finances without the hassle of waiting in line. At Ornl, our mission is to make banking as easy and accessible as possible for everyone in our community. If you want to learn more about any of these services or have questions about how we can help you achieve your financial goals, don't hesitate to reach out! Give us a call at (865) 688-9555 or visit us at 1 Bethel Valley Rd Oak Ridge Tn 37830 in Oak Ridge, TN. We're here for you every step of the way! Explore everything we offer by visiting our website: Lab.

Business Banking Support

For small business owners, Ornl offers comprehensive business banking solutions. Our merchant services simplify payment processing so you can focus on what matters most growing your business. Additionally, we provide business loans designed to support your operational needs or expansion plans.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Ornl prioritizes digital banking features. With online and mobile banking, accessing your accounts is just a click away. You can easily check balances, transfer funds, and pay bills from anywhere whether at home or on the go. We also offer person-to-person payment options for quick transfers between friends or family.

Personal Banking Solutions

Starting with personal banking, we provide checking and savings accounts designed for your everyday banking needs. If you're planning to purchase a vehicle, our auto loans and vehicle financing options come with competitive rates and flexible terms, making it easier for you to hit the road in no time. For those considering homeownership or refinancing their existing mortgage, our mortgage loans offer tailored solutions that fit your budget and goals. When life throws unexpected expenses your way, our personal loans and debt consolidation services can help ease the burden. Plus, with credit cards that offer rewards, you can earn benefits while managing your spending.

Digital & Online Banking

Key Features

Your security is our priority. That's why we offer electronic signature authorization for a safe and efficient way to handle important documents. You can also opt for e-statements, allowing you to keep track of your transactions without the clutter of paper statements. If you're always on the move, you'll love our mobile application that provides all the features of online banking right at your fingertips. Enjoy the convenience of mobile payments and person-to-person transfers send money to friends or family quickly and securely with just a few taps. In today's fast-paced world, managing your money shouldn't be complicated. With our digital banking tools at Ornl, you can enjoy real-time account management that keeps you informed and in control. Experience the ease and comfort of modern banking with us today!

Financial Strength

Member-Centric Growth

Your 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 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 Better 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. Our lending capacity supports your financial goals across various sectors with $41,590 in used auto loans and $3,389,938,692 in total loans and leases.

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. This stability enables us to respond effectively to the needs of our members while navigating various market conditions.

Trust Built on Solid Numbers

Net Shares (Funds available for lending and investments): $2,411,631. Total Share and Deposit 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 1 Bethel Valley Rd Oak Ridge Tn 37830 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.

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 provide flexible terms and options for both new and used vehicles to ensure you find the right fit for your budget.

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. This option provides you with the convenience of making purchases while having access to funds when you need them most.

Credit Lines and Commercial Loans

For those who require additional financial flexibility, our credit lines totaling $1,075,532,458 can be an excellent solution. Additionally, if you're a business owner, our outstanding commercial loans totaling $121,686,212 provide the capital needed to grow and expand your operations. If you're considering refinancing or exploring eligibility options for any of our loan products, please reach out to our team. We're committed to guiding you through your choices so you can make informed decisions about your finances. To learn more about how we can support your financial journey or to apply for a loan today, visit us online at https://www.ornlfcu.com/ or stop by our branch during business hours from 8:00 AM to 4:00 PM, Monday through Friday. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter what your financial needs may be, Ornl is here to help you succeed!

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 competitive rates and personalized service to help make the process as smooth as possible.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights how effective and reliable the platform is in meeting user needs. 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.

How LendMesh Ensures Accurate Loan 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 ensures that all offers presented are fair and transparent, giving users confidence in their choices.

Ornl

Type of Loan Offerings

Personal Loans

Vehicle Loans