Credit union · NCUA insured
ORNL Federal Credit Union
A $4.8B credit union, the 95th largest of 4,329, headquartered in Oak Ridge, TN, with 229,975 members and 31 branches in Tennessee. Best rates: CDs 4.50% and savings 0.10% APY.
ORNL Federal Credit Union Carrot Score
73
Carrot Score
Higher than 34% of U.S. banks and credit unions
#16 of 32 in Knoxville, TN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About ORNL Federal Credit Union
- Headquarters
- 221 S Rutgers Ave, Oak Ridge, TN 37830-6770
- NCUA charter
- 5797
Branches
31 branches in Tennessee
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Tennessee
31 branches
Knoxville area · 23
- Alcoa103 Hamilton Crossing Dr, Alcoa, TN 37701Directions
- Clinton1117 N Charles G Seivers Blvd, Clinton, TN 37716Directions
- Farragut11405 Municipal Center Dr, Farragut, TN 37934Directions
- Kingston1204 N Kentucky St, Kingston, TN 37763Directions
- Bearden5505 Kingston Pike, Knoxville, TN 37919Directions
- East Knox3634 E Magnolia Ave, Knoxville, TN 37914Directions
- Fountain City5208 N Broadway St, Fountain View Plaza, Knoxville, TN 37918Directions
- Halls4510 E Emory Rd, Knoxville, TN 37938Directions
- Karns7228 Oak Ridge Hwy, Knoxville, TN 37931Directions
- Middlebrook9570 Middlebrook Pike, Knoxville, TN 37931Directions
- Millertown Pike5409 Millertown Pike, Knoxville, TN 37924Directions
- North Knoxville808 Victor Dr, Knoxville, TN 37912Directions
- Northshore2077 Town Center Blvd, Knoxville, TN 37922Directions
- South Knox7325 Chapman Hwy, Knoxville, TN 37920Directions
- West Knoxville8721 Kingston Pike, Knoxville, TN 37923Directions
- LaFollette2229 Jacksboro Pike, La Follette, TN 37766Directions
- Lenoir City895 Highway 321 N, Lenoir City, TN 37771Directions
- Loudon2859 Highway 72 N, Loudon, TN 37774Directions
- Maryville2441 US Highway 411 S, Maryville, TN 37801Directions
- Maynardville Food City4344 Maynardville Hwy, Maynardville, TN 37807Directions
- Lab1 Bethel Valley Rd, Oak Ridge, TN 37830Directions
- Oak Ridge Main Branch215 S Rutgers Ave, Oak Ridge, TN 37830Directions
- Oak Ridge West116 N Illinois Ave, Oak Ridge, TN 37830Directions
Morristown area · 3
- Morristown Central1730 W Andrew Johnson Hwy, Morristown, TN 37814Directions
- Morristown East1216 E Main St, Morristown, TN 37814Directions
- Morristown West3610 W Andrew Johnson Hwy, Morristown, TN 37814Directions
Athens area · 2
- Athens103 W Washington Ave, Athens, TN 37303Directions
- Decatur17640 State Highway 58 N, Decatur, TN 37322Directions
Madisonville area · 1
- Madisonville4201 Highway 411, Madisonville, TN 37354Directions
Newport area · 1
- Newport344 W Broadway, Newport, TN 37821Directions
Sevierville area · 1
- Sevierville699 Parkway Ste 5, Sevierville, TN 37862Directions
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 | 11.01% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.62% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.18% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $99 | $88 | — |
- CapitalNet worth ratio11.01%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.62%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.18%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$99Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 ORNL 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.