Ornl Credit Union Oak Ridge TN | Quick Personal Loans & Top Checking

Introduction

Welcome to Ornl, your trusted financial partner located at 215 S Rutgers Ave, Oak Ridge, TN 37830. Since our establishment in 1948, we've been dedicated to serving our community with a personal touch and a commitment to helping our members achieve their financial goals. With over 219,000 members and total assets reaching an impressive $4,064,319,542, we have built a strong foundation of trust and reliability. At Ornl, we pride ourselves on offering a wide range of services tailored to meet the diverse needs of our community from checking and savings accounts to auto loans and mortgage refinancing. Our total deposits amount to $177,820,004, showcasing the faith our members place in us. Our dedicated team, led by CEO Jenny Vipperman and Board President William Gorman, is here to ensure you receive exceptional service every time you visit. For any official correspondence, please send it to our mailing address: PO Box 365, Oak Ridge, TN 37831. We also invite you to explore our user-friendly website at ornlfcu.com for more information about our products and services. Join us as we continue to build a brighter financial future together! Feel free to give us a call at 865-688-9555 or drop by during our lobby hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 8:30 AM to 12 PM. We look forward to serving you!

Branch History & Mission

Community Connections

Our dedication extends beyond banking. We actively engage with local organizations and initiatives aimed at improving the quality of life in Oak Ridge and surrounding areas. By participating in community outreach programs and forming partnerships with local businesses, we strive to make a positive impact that resonates throughout our neighborhoods. As technology continues to advance, so do we. Our digital tools ensure that you can manage your finances conveniently and securely from anywhere. With features like online banking and mobile payments available, managing your money has never been easier or more efficient.

Join Us

We invite you to become part of the Ornl family today! Experience firsthand how we prioritize your financial health while uplifting our community together. Visit us online at ornlfcu.com or call us at 865-688-9555 for more information about joining or opening an account. Together, let's build a brighter financial future!

Our Mission

At Ornl, our mission is clear: to empower our members through exceptional financial services while fostering a spirit of community support. We believe that everyone deserves access to quality banking solutions tailored to their unique needs. Whether you're looking for personal banking options like checking and savings accounts or seeking assistance with loans for vehicles or homes, we're here for you every step of the way. While members can visit us at 215 S Rutgers Ave, official correspondence should be sent to PO Box 365, Oak Ridge, TN 37831. We encourage you to explore all that we offer during our operating hours: Monday to 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 12:00 PM.

Our Story

From our humble beginnings in 1948, Ornl has evolved significantly. We have expanded our services and reach, always keeping our members' needs at the forefront. Our total assets now stand at an impressive $4,064,319,542, reflecting our commitment to sound financial management and growth. As we look back on our journey, we celebrate not just milestones but the countless relationships we've built within the community.

Branch Location & Accessibility

Accessibility Features

At Ornl, we prioritize accessibility for all our members. The branch features ADA-compliant ramps and spacious walkways, ensuring that everyone can navigate our facilities with ease. Whether you're stopping by for a quick transaction or need assistance with your banking needs, our welcoming staff is here to help.

Operating Hours

We understand that life can get busy! That's why we offer flexible banking hours to fit your schedule. Visit us 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 12:00 PM. Need assistance outside these hours? Feel free to reach out to us at 865-688-9555, and we'll be happy to assist you.

Services Offered

At the Ornl Oak Ridge Main Branch, we provide a full range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, our team is dedicated to helping you make informed financial decisions. We also have an ATM on-site for your convenience and drive-thru banking available for quick transactions. While members can visit us at our physical location, please note that official correspondence should be sent to our mailing address at PO Box 365, Oak Ridge, TN 37831. We invite you to stop by and experience the friendly service that Ornl is known for! Whether you're looking to open an account or simply have questions about our services, we're here for you. Come see us today!

Member Eligibility

At Ornl, we believe that everyone deserves the chance to be part of a caring financial community. Joining us is straightforward and welcoming! You can become a member if you live, work, worship, or attend school in the Oak Ridge area, or if you're a family member of an existing member. This means that whether you're new to the area or have deep roots here, there's a place for you at our branch. Membership comes with fantastic benefits like personalized service, competitive rates on loans and savings, and access to our comprehensive range of financial products designed just for you. To get started on your journey with us, simply visit us at 215 S Rutgers Ave Oak Ridge Tn 37830 or give us a call at (865) 688-9555. You can also check out all the eligibility details at for any updates. When you're ready to open an account, you can easily apply online through this link: https://www.ornlfcu.com/apply-today. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Make a Difference

When it comes to managing daily operations, our merchant services stand out. Imagine having a reliable partner to streamline your payment processes, allowing you to focus on what truly matters growing your business. With features that cater specifically to your needs, we provide tools that simplify transactions and enhance customer experiences. Visit us at 215 S Rutgers Ave Oak Ridge Tn 37830 in Oak Ridge, TN, or call us at (865) 688-9555 to learn more about how our business banking services can elevate your success!

Tailored Loan Solutions

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

Auto Loans and Vehicle Financing

If you're dreaming about a new car, look no further! Our Auto Loans & Vehicle Financing solutions provide competitive rates that can make driving off the lot feel much more attainable. Picture yourself cruising around town in a vehicle that fits both your style and budget, thanks to our flexible financing options.

Business Banking Services

For business owners, we offer tailored Business Banking solutions, including Merchant Services and Business Loans. Whether you're just starting out or looking to expand, our team is here to support your growth with personalized service and flexible financing options.

Cash Withdrawal Made Simple

Need cash in a hurry? Our ATM & Cash Withdrawal Services ensure that you have easy access to your money whenever necessary. Plus, with basic drive-thru banking available for deposits, withdrawals, and other simple transactions, getting what you need has never been easier. At Ornl, we're not just about providing services; we're about building relationships with our members in Oak Ridge and beyond. If you're ready to explore all that we offer or have questions about specific services, don't hesitate to reach out! Give us a call at (865) 688-9555 or visit us online at Oak Ridge Main Branch. Your journey towards financial well-being starts here!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features so you can manage your finances anytime, anywhere. From checking account balances and transferring funds to paying bills and sending money through Person-to-Person transfers, everything you need is just a tap away on your smartphone or computer.

Home Financing Made Easy

When it comes to homeownership, our Mortgage Loans & Refinancing services are here to guide you every step of the way. We understand that buying a home is one of the biggest decisions you'll make, which is why we strive to simplify the process. With us, refinancing can also be an option if you're looking to lower your monthly payments or access equity.

Personal Banking Solutions

For those managing day-to-day expenses, our Personal Banking services offer both checking and savings accounts that fit various lifestyles. Imagine easily keeping track of your spending while watching your savings grow our accounts make this simple. Need a little extra cash? Our Personal Loans & Debt Consolidation options can help you tackle unexpected expenses or consolidate debt into manageable payments.

Rewarding Credit Options

Our Credit Cards with Rewards are another fantastic way to earn benefits while making everyday purchases. Imagine receiving cashback or rewards points just for using your card at places you already shop! It's a smart way to get more out of your spending.

Digital & Online Banking

Key Features

Our online banking platform gives you real-time access to your account balances, transaction history, and more. You can easily set up e-statements, so you never have to worry about paper clutter again just simple, organized digital records available whenever you need them. Plus, with electronic signature authorization, signing documents has never been easier or more secure. Need to send money quickly? Our person-to-person transfer feature allows you to send funds instantly to family or friends with just a few clicks. And if you're always on the move, our mobile application makes banking even simpler. Whether it's checking your balance or making payments, everything fits right in your pocket.

Security and Convenience

We prioritize your security with robust measures in place to keep your information safe while you bank online. With mobile payments enabled, making purchases is as easy as a tap on your phone no need to carry cash or cards around. At Ornl, we believe that banking should be accessible and user-friendly for everyone. Our commitment to providing top-notch digital services means you have control over your finances at all times no matter where life takes you! Embrace the convenience of modern banking today with us at Ornl!

Financial Strength

Committed Team for You

Our successful operations are reflected in our impressive $35,430,408, which enables 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 who are always ready to serve you with a knowledgeable, committed team.

Growing Member Base

With a total of 479,842 share accounts, it's clear that our growing member base trusts us with their finances. Net Shares (funds available for lending and investments) stand at $2,411,631, showcasing our capacity to support your needs effectively. 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 215 S Rutgers Ave Oak Ridge Tn 37830 or call (865) 688-9555 to learn more about how we can help you achieve your financial goals.

Investing in Our Future Together

Our commitment to serving you extends beyond basic banking 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. We also support your financial goals with $41,590 in used auto loans and a total of $3,389,938,692 in loans and leases available.

Member-Focused Savings

Your savings are secure with us. We have $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.

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. This robust 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 model or a reliable pre-owned vehicle, our team is here to guide you through the process and find the right loan for your budget.

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 faced by local businesses and are here to support you every step of the way. If you're interested in any of these loan products or want more information on refinancing options, please don't hesitate to reach out! You can contact us at (865) 688-9555 or visit us at our branch located at 215 S Rutgers 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 meet your financial needs!

Credit Lines and Unsecured Loans

For those looking for flexibility, we offer credit lines totaling $1,075,532,458. This can be a great way to manage ongoing expenses or unexpected costs. Additionally, our unsecured credit card loans amounting to $40,103,756 allow you to make purchases without tying up your savings. With easy-to-understand terms, managing your finances has never been easier.

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 work closely with you to find solutions that fit your financial situation. If you're considering refinancing your current mortgage, we have options available that could help lower your monthly payments or shorten your loan term.

Loan Aggregator

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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 approach guarantees that you receive fair and transparent offers tailored to your needs.

Ornl

Type of Loan Offerings

Personal Loans

Vehicle Loans