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.  
  • For members having difficulty making consumer loan, credit card, or mortgage payments, click here to request a loan payment extension.
  • 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.

Branch Updates

The number of visitors will be limited in branch lobbies for member and employee safety. Please review your branch's hours and status here

All in-store branches located in Food City, Kroger, and Walmart stores, will remain temporarily closed.
Please use drive-thrus or ATMs/ITMs for:
  • Cash and check deposits
  • Check cashing
  • Withdrawals
  • Balance inquiries
  • Loan payments
  • Transfers

You can also use the night drop box for simple payments or deposits. Employees are now checking the drop box all throughout the business day to provide speedier service. Place your cash or check into the provided envelope, fill out the information, and insert the envelope into the slot.


Although we are going through changing times due to COVID-19, our commitment to serve you while working to keep you and our staff safe, remains unchanged. We ask that you protect yourself and others by using these digital services:

  • Online & Mobile Banking

    - Access and manage your accounts safely and securely anytime, anywhere.
    - Transfer funds
    - Deposit checks using Mobile Check Deposit
    - Pay bills
    - Pay loans
    - Send person to person payments
    - Apply for new accounts and loans
    - Manage debit and credit cards
  • Online Payments

    Pay loans with funds from another financial institution at ornlfcu.com/pay.
  • Digital Wallet

    Securely pay for purchases using Apple Pay, Google Pay, or Samsung Pay.
  • ITM Access

    Drive-thru ITMs offer extended hours, expert service, and 24/7 ATM access.
  • ATM Access

    Make deposits and withdrawals 24/7.
  • Contact Us

     - Online Chat: ornlfcu.com/contact-us
     - 24/7 Telephone Support: 865.688.9555 or toll free at 800.676.5328
     - Email: ornlfcu.com/contact-us