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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Ozark Federal Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 15, 2026
Ozark Federal Credit Union's 1 Year CD rates are at 3.50%, 2 Year CD rates are at 3.50%, 6 Month CD rates are at 3.50%, 3 Year CD rates are at 3.25%, 4 Year CD rates are at 3.15%. Ozark Federal Credit Union's Personal Loan Rates are at 5.08%. MonitorBankRates evaluates the financial stability of Ozark Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.30%. Rates were last updated on 03/15/2026. Ozark Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Ozark Federal Credit Union? Share your experience about Ozark Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Ozark Federal Credit Union. Ozark Federal Credit Union
Main Office 2438 Katy LN
https://www.ozarkfcu.com Poplar Bluff, MO 63901 2304 
Ozark Federal Credit Union CD Rates
Ozark Federal Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Ozark Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Ozark Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Ozark Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Ozark Federal Credit Union
Website
https://www.ozarkfcu.com
Address
2438 Katy LN,
Poplar Bluff, MO 63901 2304
Phone
573-686-7221
Fax
573-686-1949
President
Edwin Ervin
CEO
Chad Wolfram
Full-Time Employees
54
Part-Time Employees
2
Branch Locations
8
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.30%
Return on Assets (ROA)
1.0222%
Return on Equity (ROE)
10.2007%
Non-Performing Loans Ratio (NPL)
0.17%
Total Assets
136,414,737
Total Amount of Shares and Deposits
119,987,046
Total Shares and Deposits < 1 Year
117,041,356
Total Shares and Deposits 1 3 Years
2,547,240
Total Shares and Deposits > 3 Years
398,451
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,930,522
Total Uninsured Shares and Deposits > $250K (F+J)
3,930,522
Total Insured Shares and Deposits > $250K (item 17 less item K)
116,056,524
Total Interest Expense (Sum of items 6 8)
946,610
Share Certificates
733
Number of Accounts for Share Drafts
10,116
IRA KEOGH Accounts
223
Number of Accounts for Regular Shares
17,066
All other shares
106
Money Market Shares
55
Net Income (unless the amount is already included in Undivided Earnings)
99,829
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
10,964,258
Total Liabilities
121,487,332
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Ozark Federal Credit UnionIs Ozark Federal Credit Union a safe place to deposit money?Yes, Ozark Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.2997903809309%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Ozark Federal Credit Union operate?Ozark Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Ozark Federal Credit Union?Yes, to access services at Ozark Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Ozark Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Ozark Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Ozark Federal Credit Union offer online and mobile banking?Most modern institutions like Ozark Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ozarkfcu.com. Current Ozark Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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