Ornl Credit Union Oak Ridge TN | Top Auto Loans & Mobile Banking

Introduction

Welcome to Ornl at Oak Ridge Wal-mart, your trusted partner in financial well-being since 1948. Conveniently located at 373 S Illinois Ave, Oak Ridge, TN 37830, we are proud to serve our community with a range of personal and business banking solutions tailored just for you. Whether you're looking for auto loans, mortgages, or personal banking services, we're here to help you achieve your financial goals. With a robust membership base of 219,109 individuals and total assets exceeding $4.06 billion, we stand as a pillar of support in the Oak Ridge area. Our dedicated team of 550 employees, led by CEO Jenny Vipperman and Board President William Gorman, is committed to providing exceptional service while fostering a sense of community among our members. At Ornl, we believe in empowering our members through financial education and access to resources that matter most. With over $177 million in total deposits and an impressive net worth of $453 million, our financial strength allows us to offer competitive rates on loans and savings products. For those interested in business financing, we have a net member business loan balance of $144 million, showcasing our commitment to local entrepreneurs. While members can visit us at our branch location for personalized assistance, official correspondence should be sent to our mailing address: P.O. Box 365, Oak Ridge, TN 37831. We invite you to explore the services we offer through our website at ornlfcu.com and take advantage of online banking features designed for your convenience. We encourage you to reach out to us at 865-688-9555 during our lobby hours from 10 AM to 7 PM Monday through Friday and 10 AM to 5 PM on Saturdays. Discover how Ornl can help you navigate your financial journey with confidence!

Branch History & Mission

Commitment to Community

We pride ourselves on being more than just a credit union; we are an integral part of the Oak Ridge community. Our outreach programs and partnerships aim to uplift those around us, whether through educational workshops or local sponsorships that foster growth and development. Our commitment extends into the digital space as well. With features like online banking, mobile payments, and electronic statements, we make managing your finances convenient and user-friendly. We take accessibility seriously, ensuring all members can engage with our services comfortably.

Join Us!

We invite you to experience everything that Ornl has to offer. Whether you're looking for robust financial products or simply need advice on your next steps towards financial freedom, our dedicated team is ready to assist you. Come visit us during our operating hours from 10:00 AM to 7:00 PM Monday through Friday, and 10:00 AM to 5:00 PM on Saturdays. You can also reach us at (865) 688-9555. Become part of a community where your financial goals matter! Join us today at https://www.ornlfcu.com/ and discover how Ornl can help you thrive financially!

Our Journey

From our first day in 1948, we focused on providing accessible and personalized financial services. Over the years, we've adapted to meet the changing needs of our members while staying true to our mission: to empower individuals and families by offering exceptional banking solutions that promote financial security and growth. Our journey reflects a commitment not just to finance, but also to people building lasting relationships based on trust and support.

Our Mission

At Ornl, our mission is clear: we strive to enhance the financial well-being of our members through innovative products and services while actively contributing to the communities we serve. We believe in making banking more than just transactions; it's about understanding your goals and helping you achieve them. Whether you're looking for personal banking solutions like checking accounts or auto loans, or seeking business banking options, we are here to guide you every step of the way. While members can visit us at 373 S Illinois Ave Oak Ridge Tn 37830, official correspondence should be sent to P.O. Box 365, Oak Ridge, TN 37831 if needed.

Branch Location & Accessibility

Welcome to Ornl, your friendly neighborhood credit union located at 373 S Illinois Ave Oak Ridge Tn 37830 in beautiful Oak Ridge, TN. Our location is not just convenient; it's nestled near popular spots, making it easy for you to stop by whether you're running errands or heading home from work. For those looking to send us official correspondence, please note that our mailing address is P.O. Box 365, Oak Ridge, TN 37831, which is just a short distance away from our branch. At Ornl, we understand the importance of accessibility. Our facility is designed to be welcoming for everyone, featuring ADA-compliant entrances and ample parking spaces. Whether you're visiting us for personal banking needs or exploring options like auto loans and mortgages, you'll find that our space is comfortable and accommodating. We're here for you Monday through Friday from 10:00 AM to 7:00 PM, and on Saturdays from 10:00 AM to 5:00 PM. So, whether you're an early bird or prefer a weekend visit, we have hours that fit your schedule. Need cash on the go? We've got you covered with our ATM services available right at our location. While we don't offer drive-thru banking, our friendly staff is always ready to assist you inside. Whether you're interested in personal accounts or business banking solutions, we're excited to help! Don't hesitate to reach out at (865) 688-9555 if you have any questions or need assistance. We look forward to welcoming you to Ornl soon!

Member Eligibility

At Ornl, becoming a member is like joining a family where everyone is valued and supported. If you're wondering about eligibility, it's quite simple! We welcome individuals who live, work, or worship in our community, making it easy for you to join us at our cozy branch located at 373 S Illinois Ave Oak Ridge Tn 37830. Whether you're looking for personal banking solutions or financial support, being part of our credit union opens doors to exclusive benefits designed just for you. For more detailed information about our eligibility criteria, feel free to visit our website. Opening an account with us is a breeze! You can start your journey today by checking out the account opening details at this link. If you have any questions or need assistance, don't hesitate to reach out to us at (865) 688-9555. We're here to help you every step of the way!

Business Banking & Commercial Services

Business Loans that Empower 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.

Merchant Services Designed for Your Success

In addition to loans, we offer robust merchant services that allow you to accept payments seamlessly. Imagine being able to process sales quickly and efficiently, whether at a bustling storefront or during a local event. Our services help streamline your operations so you can focus on what you do best growing your business. Located at 373 S Illinois Ave Oak Ridge Tn 37830 in Oak Ridge, TN, our dedicated team is ready to partner with you on your journey to success. Contact us today at (865) 688-9555 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, check out our business banking services, which include merchant services and business loans tailored to help grow your enterprise. We understand how crucial it is for businesses to have reliable financial support, and we're here to partner with you on that journey.

Credit Cards with Benefits

Don't forget about our credit cards with rewards! They not only help you manage purchases but also allow you to earn rewards on every dollar spent, making your everyday expenses a little sweeter.

Loans for Every Need

Whether you're looking to drive off in a new car or need support with home financing, we have you covered with our auto loans and vehicle financing options. Dreaming of owning a home? Explore our mortgage loans and refinancing solutions that make purchasing a house more achievable. For those unexpected expenses or consolidating debt, our personal loans and debt consolidation services can provide the financial relief you need.

Online & Mobile Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that let you check balances, transfer funds, pay bills, and even make person-to-person payments right from your smartphone or computer. Our digital tools are designed for ease of use so that managing your finances can be done anytime, anywhere.

Personal Banking

We understand that everyone has different financial goals. That's why we offer a range of personal banking services, including checking and savings accounts designed to fit various lifestyles. Need quick access to your funds? With our ATM & cash withdrawal services, you can easily manage your money on the go, ensuring that you're never far from your cash.

Visit Us Today!

At Ornl, we strive to make banking simple and accessible for everyone in the community. With personalized service and a comprehensive range of offerings from personal accounts to business solutions, we're ready to assist you every step of the way. Stop by our branch located at 373 S Illinois Ave Oak Ridge Tn 37830 or give us a call at (865) 688-9555 today! Join us in experiencing how banking should be friendly, straightforward, and focused on you!

Digital & Online Banking

Mobile Banking Experience

With our user-friendly mobile application, available for download now, you can manage your accounts right from your smartphone. Need to make a quick payment? Our mobile payments feature lets you send money with just a few taps. Plus, if you need to split a bill with friends or family, our person-to-person transfer service makes it hassle-free.

Online Banking Services

Visit us online at https://www.ornlfcu.com/ to take advantage of our comprehensive online banking platform. Whether you want to check your balance, transfer funds, or pay bills, our 24/7 online banking services allow you to do it all from the comfort of your home or on-the-go. You can also sign important documents easily with our electronic signature authorization feature, ensuring that your transactions are both secure and efficient.

Secure and Accessible

We prioritize your security, so you can rest easy knowing that your financial information is protected. All transactions made through our online and mobile banking platforms use advanced encryption technologies. And if you prefer going paperless, our e-statements option allows you to view your account statements digitally saving trees while keeping everything organized. At Ornl, we're committed to making banking as easy as possible for you. Experience the freedom of real-time account management and enjoy the peace of mind that comes with knowing you're in control of your finances whenever and wherever you need it!

Financial Strength

Lending Capacity

We proudly support our members' financial goals with $41,590 in used auto loans and $3,389,938,692 in total loans and leases. This lending capacity is crucial for helping you achieve your dreams, whether it's buying a car or investing in your future.

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 commitment to operational excellence is reflected in our $35,430,408. This figure showcases our efficiency and allows 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.

Our 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.

Strong Membership Base

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 illustrate our dedication to maintaining a healthy balance sheet while serving 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 373 S Illinois Ave Oak Ridge Tn 37830 or call (865) 688-9555 to learn more about how we can help you achieve your financial goals.

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 competitive interest rates to ensure you can drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $121,686,212 provide the capital needed to grow and expand. We understand the unique challenges businesses face and work closely with you to find solutions that fit your needs. At Ornl, we pride ourselves on our commitment to our members' financial well-being. If you're interested in refinancing options or want to know more about eligibility criteria for any of our loan products, don't hesitate to reach out. You can contact us at (865) 688-9555, or visit us at our branch located at 373 S Illinois Ave Oak Ridge Tn 37830 in Oak Ridge, TN. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you achieve your financial dreams!

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. Whether you are a first-time homebuyer or looking to refinance your current mortgage, our team is ready to assist you every step of the way.

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. Our credit cards come with rewards and benefits that make everyday purchases easier and more rewarding.

Loan Aggregator

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Ornl

Type of Loan Offerings

Personal Loans

Vehicle Loans