ORNL Federal Credit Union's Spending Plus checking account earns 3.25% APY on balances up to $5,000, with no minimum balance requirement beyond the $25 initial deposit and no monthly fees. Dividends are paid monthly.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the ORNL Federal Credit Union Spending Plus Checking rate
- Apply through the offer page to open the Spending Plus Checking.
- Complete the requirement: $25 minimum, paid on up to $5,000 balance.
The fine print that matters
- APY paid on up to $5,000; balances above $5,000 earn a different rate
- Limit one account per primary member
Verification and reports
Confirmed against ornlfcu.com on Aug 13, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
Report your result
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Sources: ornlfcu.com rate page (checked Aug 13, 2026)
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