Apply Now! VISA Platinum Credit Card

All purchases, no-fee balance transfers, and no-fee cash advances made within your first 60 days can earn a rate as low as 3.99% APR* fixed for 12 months!

EMV IS HERE - A Small Chip with Big Protection

The EMV card features a dynamic chip that is designed to better protect you from fraud.

ORNL Federal Credit Union accounts are monitored for fraud 24 hours a day, seven days a week. The chip enhances this process by providing dynamic data that cannot be known to someone who steals your card or your card number. Additionally, a chip is much more difficult to replicate and counterfeit than a magnetic strips.

When Will I Get My New EMV Card?

New Cards - All new credit cards will now receive the new EMV-enabled card

Current Cardholders -  Over the next few months all cardholders will receive EMV cards to replace their current cards. Watch for your card coming soon!

Can I Use It Anywhere?

Although EMV Cards are widely accepted across Europe, many merchants in the
U.S. are still updating their payment terminals to process EMV chip transactions.
If a merchant is not EMV capable, your transactions will be processed using the magnetic strip on the back.

Current Cardholders- What You Need to Do

If this new EMV card is replacing your existing credit card, please note that your credit card account number is the same, but your credit card expiration date and CVV number may have changed. This means you may need to provide your new card information to any merchant you have authorized to automatically charge your account such as Internet Service Providers, Health Clubs, BillPayer Accounts, and Toll Roads.

For a list of frequently asked questions about EMV, click here.


Get Even More With Our VISA Platinum!

With every dollar you spend with your ORNL Federal Credit Union VISA® Platinum card, you earn a point towards premium gift card selections and exciting travel opportunities! Click here for more information about the CU Rewards Program!

Plus, you'll get:

  • 25-day Grace Period! Balances paid off in full within 25 days of your purchase avoid finance charges!
  • High Credit Limits! Up to $30,000 on your credit limit!
  • Credit Line Increases! As your needs grow and lifestyle changes, so can your credit line! Call us at 865.688.9555 or drop by any ORNL FCU branch location for information on increasing your credit line
  • No Annual Fees!
  • No Balance Transfer Fees! Pay off your high-interest balance on other credit cards and enjoy immediate savings!
  • CU Rewards! For every dollar you spend with your VISA® Platinum, you earn a point towards premium gift card selections and exciting travel opportunities!

With rates as low as 7.99% APR** and no-fee balance transfers or cash advances, now's the time to Borrow Smart! Get yours today! Simply stop by any of our convenient branch locations, call 865-688-9555 or 1-800-676-5328, or click here to apply now!

*Offer for new accounts only. Cannot be used to transfer existing ORNLFCU balances. Credit score of 680 and above to qualify. Introductory rate includes purchases, balance transfers, and cash advances. Qualifying balances must be created within a 60 day period from account opening date. Promo rate on the above balances will be fixed for 12 months. After the promo rate period, balances will move to the variable rate that applies to the account and the Annual Percentage Rate may increase or decrease if the highest rate of interest identified as the 'Prime Rate' in the 'Money Rates' column of the Wall Street Journal as published on the last working day of the quarter increases or decreases. The Annual Percentage Rate will be equal to the Prime Rate plus your fixed margin based upon certain credit - worthiness criteria. Other restrictions may apply. Contact ORNL Federal Credit Union for more detail. If under 21 certain proof of independent income required or must have a qualified joint applicant such as a parent or guardian. If 18, a qualified joint applicant such as a parent or legal guardian must agree to co-sign on your VISA® application.

**The Annual Percentage Rate may increase or decrease if the highest rate of interest identified as the 'Prime Rate' in the 'Money Rates' column of the Wall Street Journal as published on the last working day of the quarter increases or decreases. The Annual Percentage Rate will be equal to the Prime Rate plus your fixed margin based upon certain credit - worthiness criteria. The interest rate can change quarterly the day after your next billing date each quarter in January, April, July, and October following a change in the Prime Rate. The Annual Percentage Rate will never be more than the maximum rate allowed by applicable law or lower than your margin. Any increase will take the form of more payments of the same amount. Any month in which you must pay interest the minimum interest payment will be 50 cents. 1% foreign transaction fee. Other restrictions may apply. Contact ORNL Federal Credit Union for more detail. If under 21 certain proof of independent income required or must have a qualified joint applicant such as a parent or guardian. If 18, a qualified joint applicant such as a parent or legal guardian must agree to co-sign on your VISA® application.