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 · Google rating shown when a stored review count is available
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.
This is state-level context for Banks consumers in Memphis, TN. It does not confirm that Orion Financial or this specific location is licensed.
State regulator
Tennessee Department of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Orion Financial offers 12 services including Checking accounts, Savings accounts, Credit cards, Auto loans, Mortgages, and 7 more.
Orion Financial has profile signals associated with Memphis-area residents seeking community banking with local branch presence and personal service, Spanish-speaking consumers in the Germantown or Hacks Cross areas, Members who prefer or require physical branch access for in-person banking, Small business owners seeking local lending relationships.
Key strengths: 10 branch locations across Memphis with extended hours (most open Saturday mornings); 24/7 ATM access at all branch locations; Recently renovated Midtown branch with updated facilities. Areas to consider: Website provides no information on fee structures, minimum balances, or account requirements; No APR ranges, interest rates, or pricing details disclosed for any loan or credit products.
In the Banks category, comparable providers include Arizona Financial Credit Union, KeyPoint Credit Union, Platinum Federal Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Orion Federal Credit Union is profile signals 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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