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Ozark Federal Credit Union Ozark Federal Credit Union
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Your Trusted Community Credit Union in Poplar Bluff
Ozark Federal Credit Union has been dedicated to providing personalized financial services to members since our founding. With a strong focus on community empowerment, we offer a comprehensive range of banking solutions including checking and savings accounts, home and auto loans, and credit cards. Our recent merger with Cape Regional Credit Union has expanded our capabilities while maintaining our commitment to competitive rates and local service. We prioritize member security through advanced fraud prevention tools and 24/7 card control via our mobile app. Our team of financial professionals brings decades of experience in delivering tailored solutions that meet both individual and business needs.

As a federally insured credit union, we operate with transparency and ethical standards that prioritize member interests above all else. Our educational resources and financial workshops demonstrate our ongoing commitment to community financial literacy. With convenient branch locations and digital banking tools, we ensure accessibility for members across Southeast Missouri. Our merger in 2025 reflects our strategic growth while preserving the personal touch that defines our service approach. Through continuous innovation and member-centric values, we remain a trusted partner in financial success for our community.
Services
Personal Checking Home Loans Auto Loans Savings Accounts Credit Cards IRA Accounts Online Banking Mobile App ATM Network Financial Education
Highlights and features
  • We offer 24/7 card control through our secure mobile app
  • Our merger strengthens local banking resources while maintaining personal service
  • Competitive rates on certificates and auto loans starting at 5.564% APR
  • Advanced fraud prevention tools protect member accounts
  • Community-focused financial education programs benefit local residents
Associations and certifications
  • NCUA
Update Listing
Services
Personal Checking
Our personal checking accounts offer no monthly maintenance fees, free online bill pay, and mobile banking access. Designed for everyday financial needs, these accounts provide convenient access through ATMs and debit cards while ensuring secure transactions. Members benefit from competitive interest rates and optional overdraft protection services.
Home Loans
We provide comprehensive home loan solutions including purchase, refinance, and home equity options. Our mortgage experts assist with USDA, VA, and FHA loans featuring low closing costs and minimum down payment requirements. Competitive rates and personalized guidance make homeownership accessible for qualified borrowers.
Auto Loans
Our auto loan program offers rates starting at 5.564% APR for new and used vehicles. The Auto Smart online marketplace helps members find quality pre-owned cars, while our financing options include flexible terms and competitive rates. Members receive assistance with loan applications and vehicle selection.
Savings Accounts
Our savings accounts feature tiered interest rates and multiple options including Christmas Club, Vacation Club, and Zoe's Club accounts. Members can choose from standard share savings or certificate options with terms up to one year at 3.500% APY.
Online Banking
Our online banking platform provides 24/7 account access with features like bill payment, mobile check deposit, and real-time balance monitoring. The mobile app includes card control features, account alerts, and secure messaging for convenient financial management.
Questions
What happened with Cape Regional Credit Union?
Cape Regional Credit Union merged with Ozark Federal Credit Union effective September 1, 2025, expanding our services while maintaining member benefits.
How can I protect my account from fraud?
Use our mobile app's card control features, enable account alerts, and never share PINs or verification codes with anyone claiming to be from our bank.
What loan options do you offer?
We provide home loans, auto loans, RV/boat financing, personal loans, and credit cards with competitive rates and flexible terms for qualified members.
Are my deposits insured?
Yes, all deposits are federally insured up to $250,000 by the NCUA, with additional coverage available through certificate accounts.
How do I access online banking?
Visit our website to enroll in online banking or download our mobile app for 24/7 account access, mobile deposits, and card management tools.