ORNL Federal Credit Union High-Yield Savings & Money Market Rates

How ORNL Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Knoxville, TN, where ORNL Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
ORNL Federal Credit Union
0.10%APY
Minimum
—
Earns on $10,000 a year
$10
Money Market Savings
Top rate
Knoxville TVA Employees Credit Union
4.28%APY
Minimum
$0
Earns on $10,000 a year
$428
Knoxville TVA Employees Credit Union rates
2nd-highest rate
SmartBank
4.00%APY
Minimum
$2,500
Earns on $10,000 a year
$400
SmartBank rates

Compare savings rates near you →

Savings score

Higher than 17% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.05%
$10,000 balance$10,0000.10%
$100,000 balance$100,0003.00%
QualifiedQualified0.10%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where ORNL Federal Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

High-Yield Money Market

0.01%APY

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $25,000	0.01%	$1
$25,000 – $99,999	2.00%	—
$100,000 – $249,999	3.00%	—
$250,000 – $499,999	3.75%	—
$500,000 and up	4.25%	—

Sources (1)

ornlfcu.com/personal/rates · captured Oct 5, 2026

High-Yield Money Market Savings

0.01%APY$25,000 to open

A minimum opening deposit of $25,000 in qualifying funds is required to open a High Yield Money Market Account. Qualifying funds include funds not currently on deposit at ORNL Federal Credit Union and eligible internal certificate proceeds at maturity. Qualifying new money and proceeds from one or more eligible certificate maturities may be combined to satisfy the $25,000 minimum opening requirement. If ORNL Federal Credit Union determines that the account did not meet the applicable eligibility or funding requirements, the account will be converted to a regular Money Market Account and will thereafter be subject to the terms, conditions, dividend rates, APYs, fees, and other provisions applicable to that account. $2.00 per withdrawal beginning with the 7th withdrawal per month.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000A minimum opening deposit of $25,000 in qualifying funds is required to open a High Yield Money Market Account. Qualifying funds include funds not currently on deposit at ORNL Federal Credit Union and eligible internal certificate proceeds at maturity. Qualifying new money and proceeds from one or more eligible certificate maturities may be combined to satisfy the $25,000 minimum opening requirement. If ORNL Federal Credit Union determines that the account did not meet the applicable eligibility or funding requirements, the account will be converted to a regular Money Market Account and will thereafter be subject to the terms, conditions, dividend rates, APYs, fees, and other provisions applicable to that account. $2.00 per withdrawal beginning with the 7th withdrawal per month.	0.01%	$1	A minimum opening deposit of $25,000 in qualifying funds is required to open a High Yield Money Market Account. Qualifying funds include funds not currently on deposit at ORNL Federal Credit Union and eligible internal certificate proceeds at maturity. Qualifying new money and proceeds from one or more eligible certificate maturities may be combined to satisfy the $25,000 minimum opening requirement. If ORNL Federal Credit Union determines that the account did not meet the applicable eligibility or funding requirements, the account will be converted to a regular Money Market Account and will thereafter be subject to the terms, conditions, dividend rates, APYs, fees, and other provisions applicable to that account. $2.00 per withdrawal beginning with the 7th withdrawal per month.
$25,000 – $99,999A minimum opening deposit of $25,000 in qualifying funds is required to open a High Yield Money Market Account. Qualifying funds include funds not currently on deposit at ORNL Federal Credit Union and eligible internal certificate proceeds at maturity. Qualifying new money and proceeds from one or more eligible certificate maturities may be combined to satisfy the $25,000 minimum opening requirement. If ORNL Federal Credit Union determines that the account did not meet the applicable eligibility or funding requirements, the account will be converted to a regular Money Market Account and will thereafter be subject to the terms, conditions, dividend rates, APYs, fees, and other provisions applicable to that account. $2.00 per withdrawal beginning with the 7th withdrawal per month.	2.00%	—	A minimum opening deposit of $25,000 in qualifying funds is required to open a High Yield Money Market Account. Qualifying funds include funds not currently on deposit at ORNL Federal Credit Union and eligible internal certificate proceeds at maturity. Qualifying new money and proceeds from one or more eligible certificate maturities may be combined to satisfy the $25,000 minimum opening requirement. If ORNL Federal Credit Union determines that the account did not meet the applicable eligibility or funding requirements, the account will be converted to a regular Money Market Account and will thereafter be subject to the terms, conditions, dividend rates, APYs, fees, and other provisions applicable to that account. $2.00 per withdrawal beginning with the 7th withdrawal per month.
$100,000 – $249,999A minimum opening deposit of $25,000 in qualifying funds is required to open a High Yield Money Market Account. Qualifying funds include funds not currently on deposit at ORNL Federal Credit Union and eligible internal certificate proceeds at maturity. Qualifying new money and proceeds from one or more eligible certificate maturities may be combined to satisfy the $25,000 minimum opening requirement. If ORNL Federal Credit Union determines that the account did not meet the applicable eligibility or funding requirements, the account will be converted to a regular Money Market Account and will thereafter be subject to the terms, conditions, dividend rates, APYs, fees, and other provisions applicable to that account. $2.00 per withdrawal beginning with the 7th withdrawal per month.	3.00%	—	A minimum opening deposit of $25,000 in qualifying funds is required to open a High Yield Money Market Account. Qualifying funds include funds not currently on deposit at ORNL Federal Credit Union and eligible internal certificate proceeds at maturity. Qualifying new money and proceeds from one or more eligible certificate maturities may be combined to satisfy the $25,000 minimum opening requirement. If ORNL Federal Credit Union determines that the account did not meet the applicable eligibility or funding requirements, the account will be converted to a regular Money Market Account and will thereafter be subject to the terms, conditions, dividend rates, APYs, fees, and other provisions applicable to that account. $2.00 per withdrawal beginning with the 7th withdrawal per month.
$250,000 – $499,999A minimum opening deposit of $25,000 in qualifying funds is required to open a High Yield Money Market Account. Qualifying funds include funds not currently on deposit at ORNL Federal Credit Union and eligible internal certificate proceeds at maturity. Qualifying new money and proceeds from one or more eligible certificate maturities may be combined to satisfy the $25,000 minimum opening requirement. If ORNL Federal Credit Union determines that the account did not meet the applicable eligibility or funding requirements, the account will be converted to a regular Money Market Account and will thereafter be subject to the terms, conditions, dividend rates, APYs, fees, and other provisions applicable to that account. $2.00 per withdrawal beginning with the 7th withdrawal per month.	3.75%	—	A minimum opening deposit of $25,000 in qualifying funds is required to open a High Yield Money Market Account. Qualifying funds include funds not currently on deposit at ORNL Federal Credit Union and eligible internal certificate proceeds at maturity. Qualifying new money and proceeds from one or more eligible certificate maturities may be combined to satisfy the $25,000 minimum opening requirement. If ORNL Federal Credit Union determines that the account did not meet the applicable eligibility or funding requirements, the account will be converted to a regular Money Market Account and will thereafter be subject to the terms, conditions, dividend rates, APYs, fees, and other provisions applicable to that account. $2.00 per withdrawal beginning with the 7th withdrawal per month.
$500,000 and upA minimum opening deposit of $25,000 in qualifying funds is required to open a High Yield Money Market Account. Qualifying funds include funds not currently on deposit at ORNL Federal Credit Union and eligible internal certificate proceeds at maturity. Qualifying new money and proceeds from one or more eligible certificate maturities may be combined to satisfy the $25,000 minimum opening requirement. If ORNL Federal Credit Union determines that the account did not meet the applicable eligibility or funding requirements, the account will be converted to a regular Money Market Account and will thereafter be subject to the terms, conditions, dividend rates, APYs, fees, and other provisions applicable to that account. $2.00 per withdrawal beginning with the 7th withdrawal per month.	4.25%	—	A minimum opening deposit of $25,000 in qualifying funds is required to open a High Yield Money Market Account. Qualifying funds include funds not currently on deposit at ORNL Federal Credit Union and eligible internal certificate proceeds at maturity. Qualifying new money and proceeds from one or more eligible certificate maturities may be combined to satisfy the $25,000 minimum opening requirement. If ORNL Federal Credit Union determines that the account did not meet the applicable eligibility or funding requirements, the account will be converted to a regular Money Market Account and will thereafter be subject to the terms, conditions, dividend rates, APYs, fees, and other provisions applicable to that account. $2.00 per withdrawal beginning with the 7th withdrawal per month.

Sources (1)

ornlfcu.com/docs/default-sourc…e-disclosure-current.pdf · captured Oct 5, 2026

Money Market

0.10%APY

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $2,500	0.05%	—
$2,500 – $24,999	0.10%	$10
$25,000 – $49,999	0.25%	—
$50,000 – $99,999	0.50%	—
$100,000 – $249,999	1.25%	—
$250,000 and up	1.75%	—

Sources (1)

ornlfcu.com/personal/rates · captured Oct 5, 2026

Money Market Savings

0.10%APY

$2.00 per withdrawal beginning with the 7th withdrawal per month. $5.00 monthly service fee avoided with $2,500.00 minimum daily balance.

Earnings on $10,000 over a year.
Balance	APY	Minimum	Earns on $10,000 a yearEarns	Requirement
Up to $2,500$2.00 per withdrawal beginning with the 7th withdrawal per month. $5.00 monthly service fee avoided with $2,500.00 minimum daily balance. · Unknown to open	0.05%	Unknown	—	$2.00 per withdrawal beginning with the 7th withdrawal per month. $5.00 monthly service fee avoided with $2,500.00 minimum daily balance.
$2,500 – $24,999$2.00 per withdrawal beginning with the 7th withdrawal per month. $5.00 monthly service fee avoided with $2,500.00 minimum daily balance. · Unknown to open	0.10%	Unknown	$10	$2.00 per withdrawal beginning with the 7th withdrawal per month. $5.00 monthly service fee avoided with $2,500.00 minimum daily balance.
$25,000 – $49,999$2.00 per withdrawal beginning with the 7th withdrawal per month. $5.00 monthly service fee avoided with $2,500.00 minimum daily balance. · Unknown to open	0.25%	Unknown	—	$2.00 per withdrawal beginning with the 7th withdrawal per month. $5.00 monthly service fee avoided with $2,500.00 minimum daily balance.
$50,000 – $99,999$2.00 per withdrawal beginning with the 7th withdrawal per month. $5.00 monthly service fee avoided with $2,500.00 minimum daily balance. · $2,500 to open	0.50%	$2,500	—	$2.00 per withdrawal beginning with the 7th withdrawal per month. $5.00 monthly service fee avoided with $2,500.00 minimum daily balance.
$100,000 – $249,999$2.00 per withdrawal beginning with the 7th withdrawal per month. $5.00 monthly service fee avoided with $2,500.00 minimum daily balance. · Unknown to open	1.25%	Unknown	—	$2.00 per withdrawal beginning with the 7th withdrawal per month. $5.00 monthly service fee avoided with $2,500.00 minimum daily balance.
$250,000 and up$2.00 per withdrawal beginning with the 7th withdrawal per month. · Unknown to open	1.75%	Unknown	—	$2.00 per withdrawal beginning with the 7th withdrawal per month.

Sources (1)

ornlfcu.com/docs/default-sourc…e-disclosure-current.pdf · captured Oct 5, 2026

Membership Savings

0.01%APY$1 to open

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.01%	$1

Sources (3)

All captured Oct 15, 2026

Plan Ahead Savings

0.01%APY

Dividends paid quarterly. No limit on withdrawals. Option to set a date for funds to transfer into Membership Account.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.01%	$1

Sources (3)

All captured Oct 15, 2026

Special-purpose accounts

IRA Savings

0.05%APYIRA$500 to open

Available as Traditional and Roth IRAs. Minimum opening deposit $500.00. No monthly maintenance or annual fees.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500For balances less than $2,500.	0.05%	—	For balances less than $2,500.
$2,500 – $24,999For balances of $2,500 to $24,999.	0.05%	$5	For balances of $2,500 to $24,999.
$25,000 – $49,999For balances of $25,000 to $49,999.	0.05%	—	For balances of $25,000 to $49,999.
$50,000 – $99,999For balances of $50,000 to $99,999.	0.10%	—	For balances of $50,000 to $99,999.
$100,000 – $249,000For balances of $100,000 -$249,000.	0.15%	—	For balances of $100,000 -$249,000.
$250,000 and upFor balances of $250,000 or more.	0.20%	—	For balances of $250,000 or more.

Sources (3)

All captured Oct 15, 2026

HSA Account

0.01%APYHSA$25 to open

Available to individuals with High Deductible Health Plans (HDHPs) to pay medical expenses tax-free. Certain HSA accounts can be accessed by Visa Debit Card or check.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceBounce Protection and Overdraft Protection not available.Any balance	0.01%	$1	Bounce Protection and Overdraft Protection not available.

Sources (3)

All captured Oct 15, 2026

Who can join ORNL Federal Credit Union

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How ORNL Federal Credit Union’s savings rates compare

ORNL Federal Credit Union savings score

Current savings rates

High-Yield Money Market

High-Yield Money Market Savings

Money Market

Money Market Savings

Membership Savings

Plan Ahead Savings

Special-purpose accounts

IRA Savings

HSA Account

Who can join ORNL Federal Credit Union