With rates as low as 2.99% APR, now's the best time to buy that dream car, truck, motorcycle, boat or RV! Apply online, at any of our branch locations, or simply ask for ORNL FCU financing when you're at the dealer. Check out our participating dealers below.


If your vehicle loan is at another financial institution, you might be able to lower your rate and your monthly payments. It's quick and easy and there are no up-front or out-of-pocket costs.

Take up to 90 days to make your first payment. Act now while rates are still low!

Apply Now

Check Rates



Calculate Payment            †Calculate Refinance Savings

New Vehicle loan chart

†The use of Loan Calculators is not a guarantee of credit.  Certain credit worthiness criteria and other restrictions may apply for loan approval, first payment due date 45-90 days from loan funding, and qualifying for a lower monthly payment.


Guaranteed Auto Protection (GAP) Coverage

Did you know that if the vehicle you are now purchasing is totaled, or is stolen and not recovered, your insurance may not pay off the total amount due to your financial institution?

Call or visit a branch to learn more.

Guaranteed Auto Protection

Locate Dealer

We have a lot of friends with cars for sale. Locate a dealer and ask for an ORNL FCU vehicle loan.

  • Knoxville

  • Alcoa/Louisville/Maryville

  • Oak Ridge

  • Clinton/LaFollette

  • Sevierville/Kodak/Newport

  • Morristown/Jefferson City/Rutledge

  • Lenoir City/ Loudon/Sweetwater/Athens

  • Harriman/Wartburg/Rockwood/Kingston

  • Boats

  • Motorcycles, Personal Watercraft, ATVs, RVs

  • Greeneville

  • Crossville/Cookeville

  • Dayton