At a glance
From its website, read 2 Nov 2026Orion Federal Credit Union is a credit union based in Memphis, Tennessee. Its website describes auto loans, home mortgages and personal loans. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (901) 385-5200 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.orionfcu.com |
| Office (official list) | 400 Monroe Ave, Memphis, TN 38103 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | a $30,000 loan for 84 months at 3.95% will have a monthly payment of approximately $410.06. | source |
| Auto / vehicle loans | Term: see their wording | Flexible loan terms up to 84 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 24 Jun 2026 |
| RSSD ID | 493497 |
| Address | 400 Monroe Ave, Memphis, TN 38103 Directions (Google Maps) |
| Website | www.orionfcu.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Business loan product pages were not among the pages fetched, and the HELOC size range is an introductory offer line range. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Drive Your Dreams with Orion Financial Auto Loans | source |
| Home mortgages | — | Whether you are purchasing a home or refinancing a property, find the perfect mortgage with competitive rates, flexible terms, and personalized support for every step of your homeownership journey. | source |
| Personal / consumer loans | — | Whether you’re buying a car, a home, or funding personal goals, Orion Financial offers tailored loan solutions with flexible terms and exceptional support. | source |
Loan sizes
Introductory offer applies to new HELOCs only with lines from $20,000 to $200,000.
source
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Easy & Free Digital Mortgage application portal
source
Pages read (7)
- https://orionfcu.com/
- https://orionfcu.com/personal-banking/loans
- https://orionfcu.com/personal-banking/loans/heloc
- https://orionfcu.com/personal-banking/credit-cards
- https://orionfcu.com/personal-banking/switch-to-orion
- https://orionfcu.com/personal-banking/loans/auto-loans
- https://orionfcu.com/personal-banking/loans/home-loans
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$9 million in 7 awards from the U.S. Treasury's CDFI Fund, 2015–2022 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2022 | Small Dollar Loan Program | $213,497 |
| 2021 | CDFI Program, Financial Assistance | $625,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2018 | CDFI Program, Financial Assistance | $1,125,000 |
| 2017 | CDFI Program, Financial Assistance | $776,500 |
| 2015 | CDFI Program, Financial Assistance | $2,000,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $105 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as ORION (charter 24831). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $1.3 billion (as of 30 Jun 2026) |
|---|---|
| Members | 70,670 (as of 30 Jun 2026) |
| Offices | 12 in 2 states (as of 30 Jun 2026) |
Offices by state and county (12)
Tennessee (11 offices)
- Shelby County (11): 400 Monroe Ave, Memphis 38103 (main office); 7845 US Highway 64, Bartlett 38133; 310 New Byhalia Rd, Collierville 38017; 335 S Walnut Bend Rd, Cordova 38018; 1975 Union Ave, Memphis 38104; 3118 Covington Pike, Memphis 38128; 3155 Millbranch Rd, Memphis 38116; 4805 American Way, Memphis 38118; 641 S White Station Rd, Memphis 38117; 7960 Lowrance Rd, Memphis 38125; 821 Poplar Ave, Memphis 38105
Arkansas (1 office)
- Pulaski County (1): 1201 W 3rd St, Little Rock 72201
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Orion Federal Credit Union (NCUA charter 24831, filed as “ORION”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $1.14 billion, 24,340 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 9.2% from $1.05 billion on 30 Jun 2025 |
| Members | 70,670 (as of 30 Jun 2026); 67,904 (as of 30 Jun 2025) |
| Loans per member | $16,176 (total loans divided by members, 30 Jun 2026) |
| Total assets | $1.30 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $37.2 million | 3.3% |
| Used vehicle loans | $187.5 million | 16.4% |
| First-lien home mortgages (1-4 family) | $290.6 million | 25.4% |
| Other real estate loans (junior liens, other) | $68.7 million | 6.0% |
| Commercial (business) loans | $458 million | 40.1% |
| Credit cards | $2.2 million | 0.2% |
| Other unsecured loans | $28.5 million | 2.5% |
| Leases and other secured loans | $70.4 million | 6.2% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Orion Federal Credit Union reported 339 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $188.9M (median loan about $275,000). 273 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 273 | 81% |
| Refinance (incl. 46 cash-out) | 66 | 19% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 303 | 89% |
| FHA-insured | 36 | 11% |
Included above: 5 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 50 counties with at least one; 84% of its 2025 loans were for properties in Tennessee:
- Shelby County, TN (250)
- DeSoto County, MS (13)
- Fayette County, TN (13)
- Davidson County, TN (5)
- Madison County, TN (4)
- Wake County, NC (3)
Filed under LEI 254900U2ZPLWQTSD3158 as “ORION FEDERAL CREDIT UNION”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $1.30 billion | Larger than 91% of the 11 other certified credit unions in Tennessee (median $141.8 million). |
| Loans as a share of assets | 88% | Median of the same 11 credit unions: 75%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $1.05 billion → $1.14 billion (+9%) | Median change of 11 other certified credit unions in Tennessee: +7%. Rank by loans held among these 12: 2 → 2. |
| Home loans originated in 2025 (HMDA) | 339 | More than 80% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Tennessee | 11 | larger than 91% |
| Loans held then vs now | certified credit unions in Tennessee reporting both dates | 11 | rank 2 → 2 of 12 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 80% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Memphis and Tennessee
- River City Capital Investment, LLC.Loan fund · Memphis, TNCommercial real estate loans, Equipment loans, Small-business loansVerified
- United Housing, Inc.Loan fund · Memphis, TNHome repair / improvement loansVerified
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
Work at Orion Federal Credit Union? Link to this page
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