Most lobbies now open

We are pleased to announce that most of our branch lobbies are now open. We continue to follow all health and safety guidelines by wearing masks and gloves, using plexiglass shields, and disinfecting our buildings and equipment. Lobby occupancy is limited, and the number of members allowed inside will vary by location based on lobby size.

For the safety of members and staff, we ask that you follow the social distancing guidelines when performing a transaction or waiting in line and adhere to staff safety requests. Please remember that everyone is 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.

Maynardville Food City Branch and Oak Ridge Walmart Branch are open with normal business hours; however, due to continued concerns related to crowd size and social distancing Middlebrook Pike Food City remains closed at this time. The Halls branch lobby is open, but with limited access during the remodel construction.

Find your nearest branch location 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.