ORNL Federal Credit Union
ORNL Federal Credit Union — Transparent auto refinancing with no hidden fees.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means ORNL Federal Credit Union does not publish this on their public site. "No restriction" means ORNL Federal Credit Union explicitly states no limit.
Overview
ORNL Federal Credit Union (FCU) provides auto loan refinancing for members in East Tennessee. You can refinance existing auto, boat, or RV loans from other lenders to potentially secure a lower monthly payment.…
What’s great
- Rate discount for automatic payments or direct deposit
- No prepayment penalties or sneaky service charges
- Option to defer the first payment for up to 90 days
What to know
- Membership is limited to 19 counties in East Tennessee
- Specific interest rates are not published directly on the vehicle loan page
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Not disclosed |
| States served | Not disclosed |
| Membership requirement | You live, work, worship, or attend school in 19 counties in East Tennessee. |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from ORNL Federal Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with ORNL Federal Credit Union before applying.
- [1]Auto Loans | ORNL Federal Credit Union — ORNL Federal Credit Unionhttps://www.ornlfcu.com/personal/loans/vehicleLast checked: October 2026
- [2]Meet the Team | ORNL Federal Credit Union — ORNL Federal Credit Unionhttps://ornlfcu.com/about/meet-teamLast checked: October 2026