Loan Rates

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As a member, you have access to a wide range of loans featuring great rates and terms, easy applications and fast turnaround.

Need a ride? ORNL FCU offers competitive financing and many resources to help you make smart car buying decisions. An ORNL FCU loan could be the key to your next vehicle.

Our loans are often used for debt consolidation, home improvements, vacations, computers, legal fees or almost any purpose. ORNL FCU will help you find the one that best fits your individual needs.

What Would My Loan Payments Be?

Consumer Fixed Rate Loans
*Lowest rates based on Credit Union's Qualified Loan Program. Your rate may vary and is determined by your credit qualifications, amount financed, collateral and loan terms. Other rates and terms available. All rates and terms are subject to change without notice. Please stop by or call a Credit Union loan representative for full details.
Personal as low as *3.99% APR (up to 48 months)
Secured Loans as low as *1.89% APR (up to 48 months)
Variable Rate Consumer Loans
**Lowest rate based on the Credit Union's Qualified Credit Loan Program. Your rate may vary and is determined by your credit qualifications. Other rates available. All rates and terms are subject to change without notice. Please stop by or call a Credit Union loan representative for full details. Variable rate changes annually on September 1, based on the Wall Street Journal Prime Rate. Please stop by or call a Credit Union loan representative for full details.

***This loan rate changes monthly, on the first calendar day of the month, based on the Wall Street Journal Prime Rate. Please stop by or call a Credit Union loan representative for full details.
Personal Line of Credit as low as 10.24%** APR
Share Secured 2.00% over rate paid on base share account
Certificate of Deposit Secured 2.00% over rate paid on certificate of deposit
Equity, Second Mortgage, and Land Loans
  • 5/1 A.R.M (Fixed rate first 5 years)
  • 15 year term
  • Refinancing options also available.
Home Equity Line of Credit Click Here
Fast Equity Loan - Terms up to 240 months (Rate fixed first 5 yrs) up to 80% Loan to Value Click Here
Fast Equity One Year Adjustable Rate up to 240 months term Click Here
Vacant Land - 90% financing on purchases up to 5 acres Click Here
Vacant Land - 80% financing on purchases between 5 and 50 acres Click Here
Popular Adjustable Rate First Mortgages
  • 5/1 A.R.M. (Flex Five Mortgage)
  • No points, 1.00 origination, Terms to 30 years
Flex-5 Click Here
Fixed Rate Mortgages
Fixed rate mortgage loans with terms 10 to 30 years. Click Here

*Rates are subject to change without notice. Real estate property must be located in state of Tennessee.

All rates shown are Annual Percentage Rates and are subject to change without notice. Credit subject to approval.