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Source: https://www.ornlfcu.com/personal/rates
Read: 2026-10-22T16:24:03.000Z

Personal Rates | ORNL Federal Credit Union Skip To Main Content
TERMS | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD
TERMS High-Yield Checking Account (Balances $0.01–$5,000) | DIVIDEND RATE 3.203% | ANNUAL PERCENTAGE YIELD 3.25%
TERMS High-Yield Checking Account (Balances $5,000.01 & Greater) | DIVIDEND RATE 0.010% | ANNUAL PERCENTAGE YIELD 0.01%
TERMS | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD
TERMS Membership Account | DIVIDEND RATE 0.010% | ANNUAL PERCENTAGE YIELD 0.01%
TERMS Plan Ahead Savings | DIVIDEND RATE 0.010% | ANNUAL PERCENTAGE YIELD 0.01%
TERMS HSA Account | DIVIDEND RATE 0.010% | ANNUAL PERCENTAGE YIELD 0.01%
TERMS | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD
TERMS 7-Month PROMOTIONAL ($500 minimum deposit required) | DIVIDEND RATE 3.928% | ANNUAL PERCENTAGE YIELD 4.00%
TERMS 7-Month IRA PROMOTIONAL ($500 minimum deposit required) | DIVIDEND RATE 3.928% | ANNUAL PERCENTAGE YIELD 4.00%
TERMS 9-Month PROMOTIONAL ($500 minimum deposit required) | DIVIDEND RATE 3.928% | ANNUAL PERCENTAGE YIELD 4.00%
TERMS 9-Month IRA PROMOTIONAL ($500 minimum deposit required) | DIVIDEND RATE 3.928% | ANNUAL PERCENTAGE YIELD 4.00%
TERMS 12-Month PROMOTIONAL ($500 minimum deposit required) | DIVIDEND RATE 4.169% | ANNUAL PERCENTAGE YIELD 4.25%
TERMS 12-Month IRA PROMOTIONAL ($500 minimum deposit required) | DIVIDEND RATE 4.169% | ANNUAL PERCENTAGE YIELD 4.25%
TERMS 36-Month PROMOTIONAL ($500 minimum deposit required) | DIVIDEND RATE 4.410% | ANNUAL PERCENTAGE YIELD 4.50%
TERMS 36-Month IRA PROMOTIONAL ($500 minimum deposit required) | DIVIDEND RATE 4.410% | ANNUAL PERCENTAGE YIELD 4.50%
TERMS 60-Month PROMOTIONAL ($500 minimum deposit required) | DIVIDEND RATE 4.410% | ANNUAL PERCENTAGE YIELD 4.50%
TERMS 60-Month IRA PROMOTIONAL ($500 minimum deposit required) | DIVIDEND RATE 4.410% | ANNUAL PERCENTAGE YIELD 4.50%
Balances of $500.00–$99,999.99 | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD
Balances of $500.00–$99,999.99 3 months through 5 months | DIVIDEND RATE 3.687% | ANNUAL PERCENTAGE YIELD 3.75%
Balances of $500.00–$99,999.99 6 months through 11 months | DIVIDEND RATE 3.687% | ANNUAL PERCENTAGE YIELD 3.75%
Balances of $500.00–$99,999.99 12 months through 23 months | DIVIDEND RATE 3.687% | ANNUAL PERCENTAGE YIELD 3.75%
Balances of $500.00–$99,999.99 24 months through 35 months | DIVIDEND RATE 2.960% | ANNUAL PERCENTAGE YIELD 3.00%
Balances of $500.00–$99,999.99 36 months through 47 months | DIVIDEND RATE 2.960% | ANNUAL PERCENTAGE YIELD 3.00%
Balances of $500.00–$99,999.99 48 months through 59 months | DIVIDEND RATE 2.960% | ANNUAL PERCENTAGE YIELD 3.00%
Balances of $500.00–$99,999.99 60 months | DIVIDEND RATE 2.960% | ANNUAL PERCENTAGE YIELD 3.00%
Balances of $100,000.00–$249,999.99 Terms | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD
Balances of $100,000.00–$249,999.99 Terms 3 months through 5 months | DIVIDEND RATE 3.687% | ANNUAL PERCENTAGE YIELD 3.75%
Balances of $100,000.00–$249,999.99 Terms 6 months through 11 months | DIVIDEND RATE 3.687% | ANNUAL PERCENTAGE YIELD 3.75%
Balances of $100,000.00–$249,999.99 Terms 12 months through 23 months | DIVIDEND RATE 3.687% | ANNUAL PERCENTAGE YIELD 3.75%
Balances of $100,000.00–$249,999.99 Terms 24 months through 35 months | DIVIDEND RATE 2.960% | ANNUAL PERCENTAGE YIELD 3.00%
Balances of $100,000.00–$249,999.99 Terms 36 months through 47 months | DIVIDEND RATE 2.960% | ANNUAL PERCENTAGE YIELD 3.00%
Balances of $100,000.00–$249,999.99 Terms 48 months through 59 months | DIVIDEND RATE 2.960% | ANNUAL PERCENTAGE YIELD 3.00%
Balances of $100,000.00–$249,999.99 Terms 60 months | DIVIDEND RATE 2.960% | ANNUAL PERCENTAGE YIELD 3.00%
Balances $250,000.00 & greater Terms | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD
Balances $250,000.00 & greater Terms 3 months through 5 months | DIVIDEND RATE 3.687% | ANNUAL PERCENTAGE YIELD 3.75%
Balances $250,000.00 & greater Terms 6 months through 11 months | DIVIDEND RATE 3.687% | ANNUAL PERCENTAGE YIELD 3.75%
Balances $250,000.00 & greater Terms 12 months through 23 months | DIVIDEND RATE 3.687% | ANNUAL PERCENTAGE YIELD 3.75%
Balances $250,000.00 & greater Terms 24 months through 35 months | DIVIDEND RATE 2.960% | ANNUAL PERCENTAGE YIELD 3.00%
Balances $250,000.00 & greater Terms 36 months through 47 months | DIVIDEND RATE 2.960% | ANNUAL PERCENTAGE YIELD 3.00%
Balances $250,000.00 & greater Terms 48 months through 59 months | DIVIDEND RATE 2.960% | ANNUAL PERCENTAGE YIELD 3.00%
Balances $250,000.00 & greater Terms 60 months | DIVIDEND RATE 2.960% | ANNUAL PERCENTAGE YIELD 3.00%
TERMS | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD
TERMS Balances Less than $2,500 | DIVIDEND RATE 0.050% | ANNUAL PERCENTAGE YIELD 0.05%
TERMS Balances of $2,500 to $24,999 | DIVIDEND RATE 0.100% | ANNUAL PERCENTAGE YIELD 0.100%
TERMS Balances of $25,000 to $49,999 | DIVIDEND RATE 0.250% | ANNUAL PERCENTAGE YIELD 0.250%
TERMS Balances of $50,000 to $99,999 | DIVIDEND RATE 0.499% | ANNUAL PERCENTAGE YIELD 0.500%
TERMS Balances of $100,000 - $249,999 | DIVIDEND RATE 1.243% | ANNUAL PERCENTAGE YIELD 1.250%
TERMS Balances of $250,000 or more | DIVIDEND RATE 1.736% | ANNUAL PERCENTAGE YIELD 1.750%
TERMS | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD
TERMS Balances Less than $25,000 | DIVIDEND RATE 0.010% | ANNUAL PERCENTAGE YIELD 0.01%
TERMS Balances of $25,000 to $99,999 | DIVIDEND RATE 1.982% | ANNUAL PERCENTAGE YIELD 2.00%
TERMS Balances of $100,000 to $249,999 | DIVIDEND RATE 2.960% | ANNUAL PERCENTAGE YIELD 3.00%
TERMS Balances of $250,000 to $499,999 | DIVIDEND RATE 3.687% | ANNUAL PERCENTAGE YIELD 3.75%
TERMS Balances of $500,000 or more | DIVIDEND RATE 4.169% | ANNUAL PERCENTAGE YIELD 4.25%
TERMS | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD
TERMS Balances Less than $2,500 | DIVIDEND RATE 0.050% | ANNUAL PERCENTAGE YIELD 0.05%
TERMS Balances of $2,500 to $24,999 | DIVIDEND RATE 0.050% | ANNUAL PERCENTAGE YIELD 0.05%
TERMS Balances of $25,000 to $49,999 | DIVIDEND RATE 0.050% | ANNUAL PERCENTAGE YIELD 0.05%
TERMS Balances of $50,000 to $99,999 | DIVIDEND RATE 0.100% | ANNUAL PERCENTAGE YIELD 0.10%
TERMS Balances of $100,000 -$249,000 | DIVIDEND RATE 0.150% | ANNUAL PERCENTAGE YIELD 0.15%
TERMS Balances of $250,000 or more | DIVIDEND RATE 0.200% | ANNUAL PERCENTAGE YIELD 0.20%
Name | Rate
Name HELOC | Rate Call for Rates
Name 80% Up to 15 acres | Rate Call for Land Loan Inquiries
Name | Rate
Name Secured Loans (Auto, Motorcycle & ATV) | Rate as low as 6.14% APR *
Name Secured Loans (Boat & RV) | Rate as low as 8.29% APR *
Name | Rate
Name Personal | Rate as low as 9.99% APR *
Name Personal Line of Credit | Rate as low as 10.99% APR **
Name Share Secured | Rate 2.00% over rate paid on base share account ***
Name Share Certificate Secured | Rate 2.00% over rate paid on certificate of deposit ***
**Personal Service Line of Credit Loans: The ANNUAL PERCENTAGE RATE (APR) for new and existing balances will be the highest published Wall Street Journal Prime Rate (Index) on the 15th day of the month prior to the change date plus a Margin of 4.24% to 9.74%. If the 15th day of the month is a non-publishing date, the Prime Rate would be the rate listed in the Wall Street Journal on the first publishing date following the 15th day of the month. The Margin you receive is based on your credit score. The Annual Percentage Rate will change quarterly on the first day of January, April, July and October of each year to reflect any change in the Index and Margin values. The Annual Percentage Rate will never be greater than 18% or the maximum rate allowed by applicable law. Any increase will lengthen the time it takes to pay off your loan.
***Share Secured Variable Rate Advances: The ANNUAL PERCENTAGE RATE on the new advances and the existing balances will be the dividend rate being paid on the regular share account being used as collateral (index) plus a margin of 2.00%. If there is an existing balance on the date of a new advance, the existing balance will be added to the new advance and the entire balance will be at the new (APR). The (APR) is subject to change on the first day of each month.
****Certificate of Deposit Secured: The ANNUAL PERCENTAGE RATE on Certificates of Deposit Secured Advances will be the rate being paid on the certificate pledged as security on the date of the advance plus a margin of 2.00%. If there is an existing balance on the date of a new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR. The maturity date of any loan secured by a certificate may not exceed the maturity date of the certificate, which secures the loan. If the loan is not repaid in full at the time of the certificates maturity date, a new loan secured by the renewed certificate (at the option of the Credit Union) will be 2.00% over the rate being paid on the new certificate. The (APR) and Daily Periodic Rate will be disclosed on the voucher accompanying the advance.​