Credit union · NCUA insured
Enrichment Federal Credit Union
Top CarrotA $972.5M credit union headquartered in Oak Ridge, TN, with 48,359 members and 9 branches in Tennessee. Best rates: CDs 4.25% and savings 0.25% APY.
Enrichment Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 79% of U.S. banks and credit unions
#2 of 32 in Knoxville, TN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Enrichment Federal Credit Union
Enrichment Federal Credit Union, headquartered in Oak Ridge, Tennessee, was chartered in 1950 by ten employees of the Oak Ridge Gaseous Diffusion (K-25) Plant as K-25 Federal Credit Union.
Originally operating at the K-25 site, the member-owned financial cooperative converted to a community charter in 2003 and adopted the Enrichment Federal Credit Union name in 2007.
- Headquarters
- 201 S Illinois Ave, Oak Ridge, TN 37830
- NCUA charter
- 6778
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to those who live, work, worship, or attend school in Anderson, Blount, Claiborne, Knox, Loudon, Morgan, Roane, Scott, or Union Counties.
Branches
9 branches in Tennessee
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Tennessee
9 branches
Knoxville area · 8
- Main OfficeMain office201 S Illinois Ave, Oak Ridge, TN 37830Directions
- Clinton Branch1116 N Charles G Seivers Blvd, Clinton, TN 37716Directions
- MIDTOWN at PINNACLE POINT1834 Roane State Hwy, Harriman, TN 37748Directions
- Roane County Branch1009 Bradford Way, Kingston, TN 37763Directions
- Halls Branch7005 Maynardville Pike, Knoxville, TN 37918Directions
- North Knoxville Branch5201 Schubert Rd, Knoxville, TN 37912Directions
- Northshore Branch9419 S Northshore Dr, Knoxville, TN 37922Directions
- West Knoxville Branch9210 Kingston Pike, Knoxville, TN 37922Directions
New Tazewell area · 1
- New Tazewell Branch404 S Broad St, New Tazewell, TN 37825Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.19% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.37% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.39% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $84 | $76 | — |
- CapitalNet worth ratio12.19%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.37%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.39%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$84Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Enrichment Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.