Member Services

Regular Share Accounts

Our Regular Share Account provides two very important things for our members. 1) The initial $25.00 deposit requirement establishes you as a "shareholder" of the credit union and entitles you to receive all the benefits of your credit union membership. 2) The generous interest rate you will receive on your savings will add up quickly to provide you with the savings nest you deserve. You can even maximize your interest payments by taking advantage of our Payroll Deduction Plan or Direct Deposit. The best part about our Regular Share Account is that it's free. You will never receive a "monthly maintenance fee" or "service charge" for saving your money with Oak Ridge Federal Credit Union!

Merchant Processors Account

You can process credit cards at your local small business retail store, restaurant, or other sales outlet. Taking credit cards like visa, mastercard, discover, amex is important for small business growth and growing your revenues. Make it convenient to accept credit cards from your clients. See the merchant processor website for more details or to apply now.

Christmas Savings Account

You can avoid the holiday money crunch by opening your own Christmas Savings Account. You can conveniently make deposits to your account during the year on a weekly, bi-weekly, or monthly basis using Payroll Deduction. You'll even receive the same great interest rate on your balance as you receive on your Regular Share Account. Your accumulated contributions plus interest will automatically be deposited into your Regular Share Account each October 1st - just in time for your holiday shopping! There is no minimum deposit requirement and, of course, it's free!

Share Certificates

Share Certificates are perfect for members who want to maximize their earnings by investing for a determined period of time. We offer Regular Share Certificates, Jumbo Certificates and Youth Investment Planning Certificates at terms that range from six to forty-eight months. Our Share Certificates offer high yield returns and total security.

IRAs (Individual Retirement Accounts)

Whether you are starting to save for retirement, receiving a pension plan payout, or planning to retire soon, you will be making a very important decision about your financial future. Why not ensure that you are making the right one with a Traditional, Roth, or Education IRA from Oak Ridge Federal Credit Union.

Checking Accounts

Many financial institutions advertise free checking, but they usually demand that you maintain a minimum balance or hit you with hidden charges. Open a checking account at Oak Ridge Federal Credit Union and you can save hundreds of dollars in service charges. That means no monthly fees and no minimum balance requirement. You also receive:

*Free Overdraft Protection

*Interest

*No Per Check Charge

*Free ART (audio response teller) access

*Free VISA® Check Card and ATM access

*Free Internet Account Access