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PURCHASE

With rates as low as 3.94% 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.

REFINANCE

REFINANCE YOUR AUTO, BOAT, OR RV AND RECEIVE 1.00% CASH BACK. UP TO $500! TAKE UP TO 90 DAYS WITH NO PAYMENT!

If your vehicle loan is at another financial institution, you could lower your monthly payments and get cash back by refinancing!

Plus, it's quick and easy and there's no up-front or out-of-pocket costs.

And, you can 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

*1% cash back rebate offer valid with refinancing a vehicle (auto, boat or RV) loan held at another financial institution to ORNL FCU. Rebate will be 1% of the total amount financed, less the value of Payment Protection, if applicable. Maximum cash back rebate is $500 per vehicle loan refinanced. The loan must be open at least 90 days and not past due. Minimum loan amount is $7,500. Existing ORNL FCU loans are not eligible for this finance promotion. Rebate will be deposited into member’s ORNL FCU Membership Account 90 days after the loan is funded. Membership Account and vehicle loan must be open and in good standing 90 days after loan funding in order to be eligible for the cash back deposit to be made. Certain credit worthiness criteria apply for loan approval. Rate, term, payment, and first payment due date are based on the Credit Union’s qualified credit program. 

†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.

Protect

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.

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  • 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