--- title: "Ornl Credit Union Rates (Nov 2026): CDs to 4.50%" description: "Ornl Credit Union rates today: savings & CDs up to 4.50% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Ornl Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/tennessee/ornl" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Ornl Credit Union Rates (Nov 2026): CDs to 4.50% ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Name Secured Loans (Auto, Motorcycle & ATV)** motorcycle | — APR | 6.140% | — | Standard | | **Name Secured Loans (Boat & RV)** boat | — APR | 8.290% | — | Standard | Ornl Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Name Share Certificate Secured** personal_secured | — APR | 2.000% | — | Standard | | **Name Personal Line of Credit** ploc_variable | — APR | 10.990% | — | Standard | | **Name Personal** other | — APR | 9.990% | — | Standard | Ornl Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 13 offers | Product | Published | Rate | Term / condition | Status | | **TERMS High-Yield Checking Account (Balances $5,000.01 & Greater)** checking | — APY | 0.01% | — | Specialty offer | | **TERMS Plan Ahead Savings** savings | — APY | 0.01% | — | Standard | | **TERMS High-Yield Checking Account (Balances $0.01–$5,000)** checking | — APY | 3.20% | — | Specialty offer | | **TERMS 9-Month IRA PROMOTIONAL ($500 minimum deposit required)** ira | 4.00% APY | 3.93% | 9 mo | Standard | | **TERMS 7-Month PROMOTIONAL ($500 minimum deposit required)** cd_7mo | 4.00% APY | 3.93% | 7 mo | Standard | | **TERMS 9-Month PROMOTIONAL ($500 minimum deposit required)** cd_9mo | 4.00% APY | 3.93% | 9 mo | Standard | | **TERMS 7-Month IRA PROMOTIONAL ($500 minimum deposit required)** ira | 4.00% APY | 3.93% | 7 mo | Standard | | **TERMS 12-Month IRA PROMOTIONAL ($500 minimum deposit required)** ira | 4.25% APY | 4.17% | 12 mo | Standard | | **TERMS 12-Month PROMOTIONAL ($500 minimum deposit required)** cd_12mo | 4.25% APY | 4.17% | 12 mo | Standard | | **TERMS 36-Month IRA PROMOTIONAL ($500 minimum deposit required)** ira | 4.50% APY | 4.41% | 36 mo | Standard | | **TERMS 60-Month IRA PROMOTIONAL ($500 minimum deposit required)** ira | 4.50% APY | 4.41% | 60 mo | Standard | | **TERMS 36-Month PROMOTIONAL ($500 minimum deposit required)** cd_36mo | 4.50% APY | 4.41% | 36 mo | Standard | | **TERMS 60-Month PROMOTIONAL ($500 minimum deposit required)** cd_60mo | 4.50% APY | 4.41% | 60 mo | Standard | Ornl Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 4.50% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/tennessee/ornl) , verified from [Ornl Credit Union's official website](https://ornlfcu.com/) Loading branch locator… ## About Ornl Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 230K Assets $4.8B Founded 1948 Locations reported 32 NCUA charter 5797 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Enrichment** MAIN OFFICE · OAK RIDGE · TN · 37830 About 3.6 miles away](https://rateapi.dev/credit-unions/tennessee/enrichment) [**Y-12** Y-12 FCU Oak Ridge Branch · Oak Ridge · TN · 37830-7909 About 3.7 miles away](https://rateapi.dev/credit-unions/tennessee/y-12) [**Knoxville Teachers** Oak Ridge · Oak Ridge · TN · 37830 About 4.6 miles away](https://rateapi.dev/credit-unions/tennessee/knoxville-teachers) [**Tennessee Members 1st** TN Members 1ST FCU · Oak Ridge · TN · 37830 About 5.0 miles away](https://rateapi.dev/credit-unions/tennessee/tennessee-members-1st) [**Knoxville Tva Employees** Centerpoint · Knoxville · TN · 37932 About 8.3 miles away](https://rateapi.dev/credit-unions/tennessee/knoxville-tva-employees) [**Consumer** Knoxville Service Center · Knoxville · TN · 37934 About 9.6 miles away](https://rateapi.dev/credit-unions/tennessee/consumer) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Ornl Credit Union Membership eligibility from Ornl Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Ornl Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Ornl Credit Union's membership page](https://ornlfcu.com/join-today) . Final membership determination is always made by the credit union. ## Membership rules for Ornl Credit Union Geography 13 counties 13 published paths to membership, last verified August 5, 2026, from NCUA regulator charter records. ### Geography 13 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Anderson County, TN - Blount County, TN - Campbell County, TN - Cocke County, TN - Hamblen County, TN - Knox County, TN - Loudon County, TN - Mcminn County, TN - Meigs County, TN - Monroe County, TN - Roane County, TN - Sevier County, TN - Union County, TN “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Anderson County, TN; Blount County, TN; Campbell County, TN; Cocke County, TN; Hamblen County, TN; Knox County, TN; Loudon County, TN; Mcminn County, TN; Meigs County, TN; Monroe County, TN; Roane County, TN; Sevier…” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Ornl Credit Union? Yes No ## Work at Ornl Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Ornl Credit Union ranks against Tennessee peers. - See which AI assistants fetched Ornl Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Tennessee - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=ornl&state=tennessee&code=TN&name=Ornl%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Ornl Credit Union offer? Ornl Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Ornl Credit Union rates updated? RateAPI verifies Ornl Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Ornl Credit Union's rate data? Rate data is collected directly from Ornl Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Ornl Credit Union's best CD rate? As of November 12, 2026, Ornl Credit Union offers savings and certificate (CD) yields up to 4.50% APY. ### Who can join Ornl Credit Union? Ornl Credit Union publishes its membership criteria on its own website. RateAPI tracks 13 published membership paths covering 13 counties for Ornl Credit Union, each quoted from NCUA charter records. ## Related Rate Data Compare Ornl Credit Union's rates against national credit-union benchmarks. [More Tennessee credit unions](https://rateapi.dev/credit-unions/tennessee) [Tennessee auto loan rate leaders](https://rateapi.dev/auto-loan-rates/tennessee) [Tennessee personal loan leaders](https://rateapi.dev/personal-loan-rates/tennessee) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://ornlfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Ornl Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Tennessee credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Ornl Credit Union curl "https://api.rateapi.dev/credit-unions/tennessee /ornl " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Ornl Credit Union locations Search, filter, and browse all 32 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/tennessee/ornl Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp