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ORNL FCU will be closed Thursday, November 26 for Thanksgiving. We will reopen Friday, November 27 with normal business hours. Please have a safe and happy holiday!

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Membership Account

Your membership account opens the door to all of the benefits of Credit Union membership.

  • Easy to manage accounts that offer the most competitive options
  • Low rates for auto, home, and personal loans
  • The highest level of experience, service, and technology to meet all of your financial goals

Click here for current rates.
Open

 

 

Plan Ahead Savings Account

This savings account can be used for any purpose like Christmas, vacation, college, or a new car. Open one or open several if you like to keep your funds separate. Give each account its own special name that fits your savings goal. Ask us about setting up an auto transfer to help you save consistently over time.

  • Dividends paid quarterly
  • No limit on withdrawals
  • Option to set a date for funds to transfer into your Membership Account

Click here for current rates.
Open

 

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Health Savings Account

Health insurance can be pricey. A Health Savings Account (HSA) helps sooth the sting of high-cost medical bills for those with High Deductible Health Plans (HDHPs) by allowing you to pay those bills tax-free. Depending on the type of HSA you open, it can be accessed by your Visa Check Card or by check. A Savings Certificate can even be opened as an HSA to earn the highest tax-free dividends. Contributions to an HSA can be made by individuals or employers. 

Click here for ​current rates.
Open

 

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Share Certificates

Share Certificates are a great way to earn a fixed, guaranteed rate on your money. There’s no one-size-fits-all way to save. You choose your terms with our Custom Share Certificates. 

  • Lock in a fixed rate of return
  • Choose a term that best fits your goals

Click here for current rates.
Open

 

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Money Market Accounts

When​ you need quick access to your money and a good rate of return, a Money Market Account is a smart choice. The more you have in your Money Market, the higher the dividend rate you earn. This account requires a minimum deposit of $2,500 to open.  Maintain an average daily balance of $2,500 to avoid a $5 monthly fee. Dividend rates are reviewed weekly. 

Click here for current rates.
Open

 

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Individual Retirement Accounts*

Roth and Traditional IRAs offer tax-advantaged options to save for retirement. A Traditional IRA can help you save for retirement with tax-deferred earnings. Contributions can be tax deductible. A Roth IRA can offer tax-free earnings. Contributions are not tax deductible.

  • Open your IRA with as little as $500
  • No monthly maintenance or annual fees
  • Choose an IRA Share or Share Certificate option

Click here for current rates.

*All IRA accounts are subject to IRS regulations. Consult your tax advisor for complete details on Traditional IRAs, Roth IRAs, and Coverdell Education Savings Accounts.
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Safe Deposit Boxes

Safe deposit boxes are available for rent at the following locations. Click here to find a branch near you. Contact us for availability.

Rates & FAQs

 

 

Alcoa

Bearden           

Clinton       

Farragut                

Halls          

Karns        

Kingston        

LaFollette   

Lenoir City 

Loudon

Madisonville

Maryville

Millertown   

Morristown                

North Knoxville         

Oak Ridge       

Sevierville      

South Knoxville

West Knoxville