ORNL Federal Credit Union (ORNL FCU), established in 1948, is a not-for-profit financial cooperative serving the employees and retirees of Oak Ridge National Laboratory (ORNL) and their families. With over 75 years of experience, ORNL FCU has grown into a leading financial institution with a reputation for providing exceptional services and competitive products.
ORNL FCU stands by its core values:
Its mission is to provide affordable, convenient, and reliable financial services to its members, fostering their financial well-being and contributing to the community's economic growth.
ORNL FCU offers a comprehensive range of financial products and services tailored to meet the diverse needs of its members, including:
Choosing ORNL FCU as your financial partner offers numerous benefits:
Who is eligible to join ORNL FCU?
- Employees and retirees of ORNL and their families.
What is the minimum deposit to open an account?
- Typically, a minimum deposit of $5 is required.
Are there any account maintenance fees?
- Some accounts may have monthly maintenance fees, but ORNL FCU offers fee-free checking accounts for qualifying members.
What is the maximum amount I can borrow for a personal loan?
- Loan amounts vary depending on your creditworthiness and income, but typically range up to $100,000.
Does ORNL FCU offer remote banking services?
- Yes, ORNL FCU provides a robust mobile banking app, allowing you to access your accounts and conduct transactions remotely.
How can I become a member of ORNL FCU?
- If you meet the eligibility requirements, you can apply for membership online or in-person at any ORNL FCU branch.
What is the annual percentage yield (APY) offered on savings accounts?
- APY rates vary depending on market conditions and account type, but typically range from 0.25% to 1.00%.
Does ORNL FCU offer financial planning services?
- Yes, ORNL FCU provides personalized financial planning guidance to help members achieve their financial goals.
Loan Type | APR Range | Loan Term |
---|---|---|
Personal Loan | 6.99% - 17.99% | 12 - 60 months |
Auto Loan | 2.99% - 9.99% | 24 - 84 months |
Mortgage Loan | 3.50% - 6.00% | 15 - 30 years |
Fee Type | Fee |
---|---|
Checking Account Maintenance Fee (Non-qualifying) | $5/month |
Savings Account Maintenance Fee (Non-qualifying) | $2/month |
Insufficient Funds Fee | $25 |
Overdraft Fee | $25 |
Contact Method | Details |
---|---|
Phone | 1-865-576-6600 |
info@ornlfcu.com | |
Website | www.ornlfcu.com |
HQ Address | 301 Scarboro Road, Suite 100, Oak Ridge, TN 37830 |
ORNL Federal Credit Union is a reliable and trustworthy financial partner committed to the financial well-being of its members. Its member-centric approach, competitive rates, and personalized services make it an excellent choice for those eligible for membership. By embracing effective financial strategies and leveraging ORNL FCU's offerings, you can achieve your financial goals and secure a brighter future for yourself and your loved ones.
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