Orion Federal Credit Union is a Memphis-based credit union offering checking, savings, loans, and credit cards across 10 branches in Tennessee and Arkansas with 24/7 ATM access.
Data compiled from public sources · Rating from CreditDoc methodology
Orion Federal Credit Union is a member-owned financial institution headquartered in Memphis, Tennessee, with its mailing address at 400 Monroe Ave. The organization operates as a traditional credit union serving the Memphis metropolitan area and extending into Arkansas, with a routing number of 284084907. Based on their website positioning and service offerings, Orion functions as a full-service community financial institution.
Orion Financial offers a comprehensive range of consumer and business banking products. Members can access checking and savings accounts, credit cards, auto loans, mortgages, personal loans, home equity lines of credit, and small business banking services. The credit union maintains 10 physical branch locations across Memphis (American Way, Collierville, Germantown, Hacks Cross, Kate Bond, Medical District, Midtown, Raleigh, White Station, and Whitehaven branches) plus one in Little Rock, Arkansas.
All branches feature 24/7 ATM access, and most maintain Saturday hours. The Midtown location has been recently renovated. 5200.
Live chat support is also available online. Orion distinguishes itself through its local community presence with 10 well-distributed branch locations across the Memphis area, providing accessibility not typical of larger national banks. Several branches offer Spanish language services (Germantown and Hacks Cross).
The Germantown location maintains drive-thru service despite lobby closure. Recently renovated facilities, particularly the Midtown branch, suggest ongoing investment in member experience. Multi-channel customer support through phone, live chat, secure messaging, and in-person service provides flexibility for different member preferences.
As a credit union, Orion offers the traditional advantages of member ownership and community focus typical of the credit union model. However, the website provides no specific information regarding fee structures, interest rates, credit requirements, or APR ranges for any products. Limited details are available about minimum account balances, membership eligibility criteria, or comparative advantages versus traditional banks.
The organization appears to be a solid regional option for those seeking community banking with local branch presence, though consumers should directly contact the institution to evaluate specific terms and rates.
Yes. Orion Financial is a registered company, headquartered in Memphis, TN.
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CreditDoc Diagnosis
Orion Federal Credit Union is best for Memphis-area residents who value local community banking and regular branch access over online-only convenience or national reach. The main caveat is that the website lacks transparency on pricing, rates, fees, and membership requirements—consumers must contact the credit union directly to compare terms against traditional banks or online alternatives.
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