Lobbies to close temporarily

Beginning Monday, July 20

It has been a full four months since the pandemic began in mid-March, and we remain committed to protecting the health and safety of our members and employees. Earlier this week, the CDC declared the Knoxville market a 'hotspot' for the coronavirus. With the exponential increase in the number of cases, we are changing which services are available in branch lobbies. Lobby access will not be granted for routine transactions that can be performed at an ITM/ATM, drive-thru lanes, or through Online and Mobile Banking.

Beginning Monday, July 20, please use digital services, drive-thrus, or ATMs/ITMs for:

  • Cash and check deposits
  • Check cashing
  • Withdrawals
  • Balance inquiries
  • Loan payments
  • Transfers
Lobbies will be available for essential, non-transactional services such as loan closings, access to safe deposit boxes, etc. Make an appointment by calling branches directly. Members are required to wear a mask while inside the branch. If you do not have a mask, one will be provided to you at no charge. Find your nearest branch location and the direct phone number by clicking the button below.


Hero Loan Refinance discounts

To show appreciation to healthcare professionals, military, and first responder heroes battling COVID-19 on the frontlines, ORNL FCU is offering exclusive home and auto loan refinancing programs.

If you are employed in one of the following professions you are eligible: 

  • Healthcare professionals within the medical field, as well as hospital staff
  • EMTs
  • Utility line workers
  • Active and veteran military personnel
  • Fire and Rescue that directly impact public safety
  • Law Enforcement Officers that directly impact public safety

Home Loan Refinancing & Home Equity Lines of Credit

We are waiving origination fees (usually 1% of the loan amount) when you refinance your current mortgage or open a Home Equity Line of Credit.

Auto, Boat, and RV Refinancing

Take .25% off your qualified rate when refinancing loans from another financial institution. Plus, you’ll get 1.00% cash back* up to $500 and you can take up to 90 days with no payment.

Call 800.676.5328 for assistance.

*Existing auto, boat, and RV loans with ORNL FCU are not eligible for refinancing. Click here for details.


Small Businesses looking to apply for the SBA Paycheck Protection Program

For information regarding the Paycheck Protection Program qualifications, please visit the Small Business Administration COVID-19 Loan Resources.

If you are a small business that meets the requirements of the SBA’s Paycheck Protection Program (PPP), you may choose to use the link below to a secure portal where you can apply for a PPP Loan. When you apply, your application will be forwarded to a Small Business Administration (SBA) Lender to be reviewed.

ORNL Federal Credit Union is not involved in the processing, funding, servicing, or collection of payments for Paycheck Protection Program loans. We are not able to provide any direct assistance with this program. We are providing the PPP loan link as a courtesy to our credit union members that are qualified small business owners.

Apply Now


For members impacted by the ongoing COVID-19 pandemic we are offering the following:

  • Pandemic State of Emergency Assistance Loan Program offers impacted members the opportunity to apply for an unsecured loan at 0% APR fixed rate for the first six months and 3% APR fixed rate for the remainder of the loan term. The special rate is available to existing ORNL FCU members (of at least 90 days) who meet specific qualifications. It offers a maximum term of 48 months, members can take up to 90 days to make their first payment. Small businesses can qualify for our pandemic loan program.  
  • Home Equity Lines of Credit without the current 1% origination fee.
  • Quick Loan for loan amounts from $200 - $500 with no credit check.
  • Certificate withdrawal penalty waivers.