ORNL Federal Credit Union

32 Branch Locations
5.5/10 10 Ratings
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32 Branch Locations
Main Phone:
 (865) 688-9555
Main Office:
 221 S Rutgers Ave
 Oak Ridge, TN 37830 - 6770
About ORNL Federal Credit Union

ORNL Federal Credit Union was chartered on Jan. 1, 1948. Headquartered in Oak Ridge, TN, it has assets in the amount of $1,604,163,843. Its 167,665 members are served from 32 locations. Deposits in ORNL Federal Credit Union are insured by NCUA.

Membership Eligibility

ORNL Federal Credit Union is a not-for-profit financial cooperative locally owned and operated by its members for the benefit of all who belong. Established in 1948 with 10 founding members, ORNL Federal Credit Union's assets have grown to over $1.5 billion and membership has grown to over 160,000. We continue to grow strong by providing our members the tools and accounts to help them save more and spend less.

Open to all businesses and anyone who lives, works, worships, or attends school in the 16 counties of Central East Tennessee, ORNL Federal Credit Union currently serves members in 32 branches located throughout Anderson, Blount, Campbell, Hamblen, Knox, Loudon, Monroe, Roane, Sevier and Union counties.

Chartered On:
 Jan. 1, 1948
Charter Number:
Total Assets:
Deposit Insurance:
Number of Members:
 Colin Anderson
Member of FHLB:
Low Income Designation:
Institution Class:
 Federal Credit Union - Community credit unions
ORNL Federal Credit Union Routing Numbers

ORNL Federal Credit Union has 1 routing number.

Routing #
Access to Electronic Services
  • Automatic Teller Machine (ATM)
  • Audio Response/Phone Based
  • Mobile Banking
  • Home Banking via Internet Website
Credit Union Programs
  • Approved Mortgage Seller
  • Mortgage Processing
Electronic Services
  • Account Aggregation
  • Bill Payment
  • External Account Transfers
  • Account Balance Inquiry
  • New Share Account
  • Share Draft Orders
  • Share Account Transfers
  • Loan Payments
  • New Loan
  • e-Statements
  • Mobile Payments
  • Member Application
  • View Account History
  • Download Account History
Services & Products - Credit
  • Debt Cancellation/Suspension
  • Participation Loans
  • Real Estate Loans
  • Overdraft Protection/ Courtesy Pay
  • Indirect Business Loans
  • Interest Only or Pymt Option
  • Indirect Consumer Loans
  • Micro Consumer Loans
  • Risk Based Loans
  • Micro Business Loans
  • Business Loans
  • Overdraft Lines of Credit
Services & Products - Depository
  • Health Savings Accounts
  • Business Share Accounts
  • Share Certificates with low minimum balance requirement
  • No Cost Share Drafts
Services & Products - Financial Education
  • Financial Education
  • Financial Literacy Workshops
  • First Time Homebuyer Program
  • Financial Counseling
Services & Products - Other
  • Insurance/Investment Sales
  • No Cost Bill Payer
  • Student Scholarship
  • Bilingual Services
Services & Products - Transactional
  • No surcharge ATMs
  • Check Cashing
  • Money orders
  • ATM/Debit Card Program

Reviews & Feedback

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Rate This Credit Union:
5.5/10 10 Ratings
Date:June 17, 2020

Those who have not failed may not have succeeded

Date:June 1, 2020

Don't ask what others have done for you, but ask what you have done for others

Reviewer:Joy D. Lody
Date:June 11, 2018

I made the mistake of going to the Maynardville, TN branch to take care of my finances. Ideposited my money, I asked for assurance that I could "access the money immediately." I'm a breast cancer patient and money is a tight. "Of course you can use it just activate the card."
When I tried to buy some meds, the card was declined. I called to make sure the card was active and had at least $100.00 in the account but then was told "that account cannot be found." When I called a toll free after hours line, I was told I'd have to wait until tomorrow. Why have that line anyway??
May none of your family EVER have to go thru the night without food/cancer medications because your ORNL account "can't be found."

Date:Dec. 1, 2017

I have had the WORST day dealing with phone calls to comcast customer service in regards to charges on my debit card and after the 6th phone call I was made aware that there were other people making charges to my account for services that I did not request. I immediately called the ORNLFCU customer service line AFTER MIDNIGHT and was helped by an amazing young man who immediately canceled my debit card that was being charged and looked through all of my transactions for fraudulent activity. He made recommendations about receiving a new card by mail or by going to a local branch and assured me he had opened a case with the fraud department and that I would be refunded. He was the only credible person I have spoken to all day!!! I have never had an issue with ORNLFCU in my almost 10 years of using them and I will never use another banking system.

Reviewer:Anonymous User
Date:April 5, 2017

Need a no where it's not automated

Reviewer:J S
Date:March 28, 2017

I joined ORNLFCU yesterday and already everyone I have dealt with has been difficult. They are not willing to do anything beyond standing at their computer to help you. I have made two very small request and have been told both times that it either, can not be done or that I would need to come by the location. I have a full time job and small kids, I cannot drop by anytime I need any kind of paper from my bank. Customer service needs to be addressed. So far very disappointed in switching banks.

Reviewer:Dennis Bryant
Date:Jan. 21, 2017

Hello I'm now live in Vermont OK ide like to know how much is in my account ok

Reviewer:Anonymous User
Date:Dec. 1, 2016

Twenty-five years ago, the ORNL credit union acted like a true "member-owned" credit union with wonderful small-town customer service. They have had a big turnover in leadership over the years and their customer service has been horrible for years now. For the past three days, I have been trying to get a problem resolved with Member Services regarding a couple of fraudulent charges on my debit card. It is like trying to swim through mud. Their systems are constantly down and the customer service sucks.

Reviewer:marilyn Hicks
Date:Sept. 16, 2016

TERRIBLE !!! Ever since my branch of ORNL left Rockwood I have had to deal with the Kingston branch. They are RUDE and inefficient when it comes to their job... I have been charged with Fees that I was never charged before, their hours are shorter and and and as if it's not bad enough that it's nearly 15 miles for me to have to drive there now from Rockwood I get charged for using the TVA ATM that they sent me an e-mail stating that TVA wouldn't charge ORNL customers for..Way to go ORNL Kingston branch !!!I just hope that someday soon the kingston branch gets shut down like the one in Rockwood !!!ORNL YOU REALLY SCREWED A LOT OF CUSTOMERS WHEN YOU CLOSED THE ROCKWOOD BRANCH !!! AND IN CASE YOU DIDN'T GET MY NAME AT THE TOP OF THIS REVIEW IT'S MARILYN HICKS !!!! I'm NOT ASHAMED TO SHOW MY NAME LIKE THE MOST PEOPLE !!!!

Reviewer:Anonymous User
Date:Aug. 24, 2016

Location is not prepared to deal with the increased number of customers since closing the Rockwood branch

Reviewer:Bill Clowers Jr.
Date:June 24, 2016

I've been a member for over 40 years and it seems that the management does not care a lot about the members.
they closed the cu in walmart rockwood and are trying to send everyone to kingston. That is to far to go for me. They told me that it wasn't generating enough business so we had to go to kingston. The kingston branch is now the only one in roane county. Anderson county has five branches. Go figure!!!@!

Reviewer:Darlene Arden
Date:June 22, 2016

Everyone at this location is very nice, & friendly. I work at the Kroger, & I've never seen an unhappy customer.

Reviewer:Jeff Brown
Date:March 11, 2016

Everyone is always friendly and I like how much longer they are open, which probably stinks for those working but they don't show it.