Good credit opens doors​, bad credit closes them. Credit tips are everywhere, but the simplest advice is often the most usable advice.


  • Check your credit report regularly. The information in your credit report affects more than just your ability to borrow. It can also affect your employment, ability to rent a car or apartment, even your insurance rates. You are entitled to a free copy of your credit report each year—1 from each bureau. With 3 bureaus, that means you can get a free report every 4 months. Request a copy of your report today, visit
  • Know your limits.One key to good credit is simply making your loan or credit card payments ‘on-time as-agreed.’ That means no late payments and paying enough money each month to cover the monthly or minimum payment. Start with a budget to know what you can afford. Log into Online Banking and create your budget using Focus Money Manager. 
  • Monitor your money. Don’t let fraudulent activity derail your finances. Keep track of your money using alerts for your deposit accounts and credit card. Set them up today in Online Banking.  

Security & Privacy

The security of your financial information is our top priority.

Online Security

Our site has security measures in place to protect against loss, misuse and alteration of the information under our control. Account information is encrypted to prevent other parties from accessing your data, and to ensure that you receive the data intact. Our Web site contains links to other Web sites. ORNL Federal Credit Union is not responsible for the privacy practices or the content of other such sites.

To find out what you can do to prevent identity theft, check out these links:

• U.S. Government –

• Federal Trade Commission (FTC) –



If you suspect that a phone call, e-mail, letter, or other communication is not a valid request from ORNL FCU, notify us immediately at


ORNL Federal Credit Union is committed to protecting the privacy of its members and other users of its Web site. To that end, ​your Credit Union has adopted a privacy policy that protects you.

ORNL FCU Web Site Privacy Policy

In compliance with the Children’s On-Line Privacy Act (COPPA), ORNL Federal Credit Union does not collect personal information from children.

Financial Education

We have teamed up with the Balance Financial Fitness Program to provide your straightforward financial education to guide you through the core aspects of personal financial management.

  Balance Financial Fitness Programs

​Money Management
Money management is all about knowing where you’re spending your money today and having a well-thought-out plan in place for where you want it to go in the future. This program covers setting goals, tracking spending, creating a budget and more.


The World of Credit Reports
Credit reports and credit scores influence our lives in many ways. By understanding the world of credit reports, you can create a positive credit standing that will allow you to achieve your goals quickly and inexpensively.


10 Steps to Financial Success
Being financially successful means y​ou're in control of your money instead of it controlling you. Your income doesn’t necessarily determine how financially successful you are – your choices and priorities do.


The Psychology of Spending
Ever wonder why you left the mall with $500 worth of clothes when you just stopped in for lunch? Psychologists have found that there are several forces that govern our consumer behavior and cause us to make quick decisions.