Ornl rates: up to 4.50% APY
credit union · NCUA CHARTER 5797 · www.ornlfcu.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| IRA Savings | TERMS Balances Less than $2,500 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | TERMS Balances Less than $2,500 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | TERMS Balances Less than $2,500 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | TERMS Balances of $2,500 to $24,999 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | TERMS Balances of $2,500 to $24,999 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | TERMS Balances of $2,500 to $24,999 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | TERMS Balances of $25,000 to $49,999 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | TERMS Balances of $25,000 to $49,999 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | TERMS Balances of $25,000 to $49,999 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | TERMS Balances of $50,000 to $99,999 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | TERMS Balances of $50,000 to $99,999 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | TERMS Balances of $50,000 to $99,999 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | TERMS Balances of $100,000 -$249,000 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | TERMS Balances of $100,000 -$249,000 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | TERMS Balances of $100,000 -$249,000 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | TERMS Balances of $250,000 or more | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | TERMS Balances of $250,000 or more | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | TERMS Balances of $250,000 or more | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings | TERMS Membership Account | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings | TERMS Membership Account | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings | TERMS Membership Account | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| TERMS HSA Account | 0.01% | APY | 2026-11-01 | since 2026-11-01 | ||
| TERMS HSA Account | 0.01% | APY | 2026-11-01 | since 2026-11-01 | ||
| TERMS HSA Account | 0.01% | APY | 2026-11-01 | since 2026-11-01 | ||
| TERMS Plan Ahead Savings | 0.01% | APY | 2026-11-01 | since 2026-11-01 | ||
| TERMS Plan Ahead Savings | 0.01% | APY | 2026-11-01 | since 2026-11-01 | ||
| TERMS Plan Ahead Savings | 0.01% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| TERMS 7-Month IRA PROMOTIONAL | $500 minimum deposit required · 7 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| TERMS 7-Month IRA PROMOTIONAL | $500 minimum deposit required · 7 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| TERMS 7-Month IRA PROMOTIONAL | $500 minimum deposit required · 7 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| TERMS 9-Month IRA PROMOTIONAL | $500 minimum deposit required · 9 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| TERMS 9-Month IRA PROMOTIONAL | $500 minimum deposit required · 9 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| TERMS 9-Month IRA PROMOTIONAL | $500 minimum deposit required · 9 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| TERMS 12-Month IRA PROMOTIONAL | $500 minimum deposit required · 1 year | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| TERMS 12-Month IRA PROMOTIONAL | $500 minimum deposit required · 1 year | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| TERMS 12-Month IRA PROMOTIONAL | $500 minimum deposit required · 1 year | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| TERMS 36-Month IRA PROMOTIONAL | $500 minimum deposit required · 3 years | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| TERMS 36-Month IRA PROMOTIONAL | $500 minimum deposit required · 3 years | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| TERMS 36-Month IRA PROMOTIONAL | $500 minimum deposit required · 3 years | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificate | Balances of $100,000.00–$249,999.99 Terms 60 months | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificate | Balances of $100,000.00–$249,999.99 Terms 60 months | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificate | Balances of $100,000.00–$249,999.99 Terms 60 months | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificate | Balances $250,000.00 & greater Terms 60 months | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| TERMS 60-Month IRA PROMOTIONAL | $500 minimum deposit required · 5 years | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| TERMS 60-Month IRA PROMOTIONAL | $500 minimum deposit required · 5 years | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| TERMS 60-Month IRA PROMOTIONAL | $500 minimum deposit required · 5 years | 4.50% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| High-Yield Money Market | TERMS Balances Less than $25,000 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Money Market | TERMS Balances Less than $25,000 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Money Market | TERMS Balances Less than $25,000 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Money Market | TERMS Balances of $25,000 to $99,999 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Money Market | TERMS Balances of $25,000 to $99,999 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Money Market | TERMS Balances of $25,000 to $99,999 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Money Market | TERMS Balances of $100,000 to $249,999 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Money Market | TERMS Balances of $100,000 to $249,999 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Money Market | TERMS Balances of $100,000 to $249,999 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Money Market | TERMS Balances of $250,000 to $499,999 | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Money Market | TERMS Balances of $250,000 to $499,999 | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Money Market | TERMS Balances of $250,000 to $499,999 | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Money Market | TERMS Balances of $500,000 or more | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Money Market | TERMS Balances of $500,000 or more | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Money Market | TERMS Balances of $500,000 or more | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | TERMS Balances Less than $2,500 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | TERMS Balances Less than $2,500 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | TERMS Balances Less than $2,500 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | TERMS Balances of $2,500 to $24,999 | 0.100% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | TERMS Balances of $2,500 to $24,999 | 0.100% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | TERMS Balances of $2,500 to $24,999 | 0.100% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | TERMS Balances of $25,000 to $49,999 | 0.250% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | TERMS Balances of $25,000 to $49,999 | 0.250% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | TERMS Balances of $25,000 to $49,999 | 0.250% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | TERMS Balances of $50,000 to $99,999 | 0.500% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | TERMS Balances of $50,000 to $99,999 | 0.500% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | TERMS Balances of $50,000 to $99,999 | 0.500% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | TERMS Balances of $100,000 - $249,999 | 1.250% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | TERMS Balances of $100,000 - $249,999 | 1.250% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | TERMS Balances of $100,000 - $249,999 | 1.250% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | TERMS Balances of $250,000 or more | 1.750% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | TERMS Balances of $250,000 or more | 1.750% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | TERMS Balances of $250,000 or more | 1.750% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| TERMS High-Yield Checking Account | Balances $0.01–$5,000 | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| TERMS High-Yield Checking Account | Balances $0.01–$5,000 | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| TERMS High-Yield Checking Account | Balances $0.01–$5,000 | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| TERMS High-Yield Checking Account | Balances $5,000.01 & Greater | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| TERMS High-Yield Checking Account | Balances $5,000.01 & Greater | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| TERMS High-Yield Checking Account | Balances $5,000.01 & Greater | 0.01% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.ornlfcu.com/personal/rates/share-certificate-secured | 2026-11-01 14:43 UTC | ok | 2cbfac78f0da |
| www.ornlfcu.com/personal/rates/certificate-rates-3-5-mos-(250k-) | 2026-11-01 14:43 UTC | ok | bdf4ea1163a7 |
| www.ornlfcu.com/personal/rates/certificate-rates-60-mos-(250k-) | 2026-11-01 14:43 UTC | ok | 1f745a3bd9c7 |