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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
ORNL Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 21, 2026
ORNL's savings rates are at 0.01%. ORNL's money market rates are at 0.05%. ORNL's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of ORNL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.17%. Rates were last updated on 03/21/2026. ORNL money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at ORNL? Share your experience about ORNL by leaving a review below, or read customer reviews before you decide to use ORNL. 
ORNL Savings Rates
ORNL Money Market Rates
ORNL Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for ORNL is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather ORNL rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with ORNL's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
ORNL
Website
http://www.ornlfcu.com
Address
221 S Rutgers Ave,
Oak Ridge, TN 37830 6770
Phone
865-688-9555
Fax
President
William Gorman
CEO
Jenny Vipperman
Full-Time Employees
560
Part-Time Employees
16
Branch Locations
31
ATM Locations
33
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.17%
Return on Assets (ROA)
1.0109%
Return on Equity (ROE)
9.0435%
Non-Performing Loans Ratio (NPL)
0.58%
Total Assets
4,544,737,207
Total Amount of Shares and Deposits
3,703,654,039
Total Shares and Deposits < 1 Year
3,570,603,465
Total Shares and Deposits 1 3 Years
117,046,204
Total Shares and Deposits > 3 Years
16,004,370
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
342,491,557
Total Uninsured Shares and Deposits > $250K (F+J)
342,491,557
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,361,162,482
Total Interest Expense (Sum of items 6 8)
66,910,959
Share Certificates
32,115
Number of Accounts for Share Drafts
165,780
IRA KEOGH Accounts
8,018
Number of Accounts for Regular Shares
280,163
All other shares
1,229
Money Market Shares
8,736
Net Income (unless the amount is already included in Undivided Earnings)
45,941,987
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
270,113,971
Total Liabilities
4,040,288,869
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About ORNLIs ORNL a safe place to deposit money?Yes, ORNL is considered a safe financial institution. With a Texas Ratio of 4.1651616506003%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does ORNL operate?ORNL currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join ORNL?Yes, to access services at ORNL, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, ORNL does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, ORNL provides members with tools to manage their accounts and build a solid financial history. Does ORNL offer online and mobile banking?Most modern institutions like ORNL provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.ornlfcu.com. Current ORNL Rates
Retrieved from our database of financial products. Rates subject to change.
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