Protecting your information is one of our top priorities. The sections below provide important information and links to learn more about scams and fraud and what to do if you become a victim.

Always remember to never give out your personal information on the phone, through the mail, or over the Internet unless you've initiated the contact or know who you're dealing with. This includes phone requests asking you to verify account information or reactivate a service.

privacy and security
Click the download link below to learn how we protect your accounts and privacy and what you can do to protect them even further.
In this video, we discuss protecting and using your debit card PIN, submitting a travel notice, and reviewing your credit report.



Fraudsters will try all kinds of tricks and scams to gain access to your financial and personal information. Learn more about the different types of scams and what to do if you've become a victim.

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check fraud

Check Fraud

There are many ways criminals use checks to access your money and account to commit fraud.

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card fraud

card fraud

Card fraud is a wide-ranging term for theft and fraud committed using or involving a payment card, such as a credit card or debit card. The purpose is to obtain unauthorized access to an account.

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id theft

id theft

Identity (ID) theft is a crime where a thief uses your personal information such as your full name or Social Security number, to commit fraud. Examples include fraudulently applying for credit, filing taxes, obtaining medical services, and more.

Learn More


We're committed to financial education. We want you to succeed! Our members have access to free financial counseling through our partnership with Balance Financial Fitness, recurring hands-on seminars, and access to all of the online education below. 


Get Money Saavy.

Check out our over 100 articles organized by the topics below to learn more about everything from understanding your credit to what to do ​during life's unexpected ​turns. Articles courtesy of

Smart Spending
Understanding Your Credit
Tips for Teens
Tips for Students
Tips for Seniors
Budgeting & Saving
Identity Theft
Home Buying & Ownership


The Road To Home Ownership

If you're considering homeownership, it’s never too early to start planning. Though the process can feel long and overwhelming at times, it’s really nothing more than a series of practical steps. ​

Downsizing Your Debt

Incorporating these basics found in this guide into your money management plan will put you in control of your money instead of it being in control of you.

Checking account management

Learn key components of wise checking account management, including checking account fundamentals, deposits, withdrawals, and protecting your account.

Retirement planning guide

 This guide gets you considering the key issues in retirement. Use it as an introduction to begin the exploration of your retirement options.

The basics of identity theft

There are measures you can take to reduce the chance of identity theft, as well as steps to recover from damage if you're ever a victim of a scam.

managing finances after divorce

Arming yourself with knowledge and taking the time to create a new plan after a divorce can help lead to a financially successful future.

REpaying student loans

This guide will show you how it's possible to repay your student loans and avoid default, even if y​ou're facing economic hardship.

Preparing for a Financial Setback

Living on less is never easy, but with a little planning and a positive attitude, you should be able to weather most financial storms.


Plan ahead with these easy-to-use calculators

Use these handy calculators to determine the down payment needed for a car, what will it would take to make owning your dream home a reality and much more! Please note that the use of calculators is not a guarantee of credit or return on investments.


Sit back, relax and take a moment to learn more about your finances from our own knowledgeable staff.

How to Increase your credit score.

Learn solid ways to increase your credit score and simple reminders that could affect your credit including pay bills on time, avoiding additional debt, possible errors in your credit report, and much more!

What Builds Your Credit Score?

Learn tips on how to build your score and things to avoid that may lower your score.

Money Saving Tools

Learn how you can save money with our no-cost Round Up Savings program and our Digital Spending Account!

Meet our ITMS

In this video you learn all you can do at one of our Interactive Teller Machines, or ITMs, including depositing cash and checks, making loan payments and more! All while speaking to a live, local ITM agent located in our Oak Ridge headquarters.

How to Avoid Fees

Avoid fees with tools like our overdraft protection, fee-free coin machines (members only), and more!

Protecting Your Privacy

We do a lot behind the scenes to keep your information safe. However, there are a few things you can do in order to further protect your finances. In this video we discuss protecting and using your debit card PIN, submitting a travel notice, and reviewing your credit report.

Save Big with Our VISA Platinum Credit Card

With no-fee balance transfers or cash advances and a low introductory rate, our card is hard to beat.

New Mobile App Update

Learn more about the features on our latest app update including Touch ID, paying loans, quick balance, and more!

7 Title and 7 Insurance

Did you know as a credit union member that you have access to a quality title and insurance company? They are credit union people, helping credit union people find the easiest and most affordable rates on your home closings and insurance.

New Bill Mix Function

Using the new bill mix function on our ATM/ITM combo machines, you can now select what denomination you want your bills in return! Follow Amanda as she takes you on a quick tutorial.

Online Banking Tutorial

Our online banking platform got a makeover with menu navigation and awesome new features! Follow along with Taylor as she guides you through the simple dashboard, helping you easily stay on top of your finances!

avoiding real estate wire fraud

Real Estate Wire Fraud happens all too frequently. Here is some information with tips and tricks to help you avoid falling victim to this popular scam while purchasing your dream home.

How to Increase and Maintain Your Credit Score

Is your credit score low, or are you just beginning to build credit? Learn how to increase and maintain your credit score with these simple steps while checking your progress for free!

Easy Online Payments

You can now make easy one-time or recurring payments on your ORNL FCU loans from another financial institution at!

How to submit a travel notice

Going on vacation? Don't forget to submit a travel notice through our online banking or mobile app before you leave! Here are some simple steps that only take a minute to ensure you have access to your funds while out of state.