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Owensboro Federal Credit Union

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Owensboro Federal Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Owensboro Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 6, 2026

Owensboro Federal Credit Union's 9 Month CD rates are at 3.82%. Owensboro Federal Credit Union's Personal Loan Rates are at 10.00%. MonitorBankRates evaluates the financial stability of Owensboro Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.79%. Rates were last updated on 05/06/2026.

Owensboro 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 Owensboro Federal Credit Union? Share your experience about Owensboro Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Owensboro Federal Credit Union.

Exceptional Health Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.79%

Excellent Lower than avg

Owensboro Federal Credit Union
Owensboro Federal Credit Union

717 Harvard Dr
Owensboro, KY 42301 6185

https://www.ofcuonline.com

Owensboro Federal Credit Union CD Rates

Product	Rate	APY	Term	View More
9 Month Share Certificate	-	3.82%	9 Month
No additional details. Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Owensboro Federal Credit Union Checking Rates

Product	Rate	APY	View More
Checking	-	0.00%
Min Deposit $25 Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Owensboro Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
First Mortgage	-	-	5.00%	15 YRS
Details 80% LTV Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
First Mortgage	-	-	5.50%	20 YRS
Details 80% LTV Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Owensboro Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	3.75%
Details As Low As Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Owensboro Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Gold	-	13.88%
Details As Low As Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
VISA Classic	-	14.88%
Details As Low As Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Owensboro Federal Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Loans	-	10.00%
Details As Low As Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Owensboro 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 Owensboro 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 Owensboro Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Owensboro Federal Credit Union

Website https://www.ofcuonline.com

Address 717 Harvard Dr, Owensboro, KY 42301 6185

Phone 270-683-1054

Fax 270-685-3987

President James Cook

CEO Doris Berry

Full-Time Employees 16

Part-Time Employees 2

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.79%

Return on Assets (ROA)

1.0513%

Return on Equity (ROE)

7.8709%

Non-Performing Loans Ratio (NPL)

0.25%

Total Assets

88,835,362

Total Amount of Shares and Deposits

76,215,807

Total Shares and Deposits < 1 Year

76,029,950

Total Shares and Deposits 1 3 Years

185,857

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,445,415

Total Uninsured Shares and Deposits > $250K (F+J)

1,445,415

Total Insured Shares and Deposits > $250K (item 17 less item K)

74,770,392

Total Interest Expense (Sum of items 6 8)

370,666

Share Certificates

555

Number of Accounts for Share Drafts

2,916

IRA KEOGH Accounts

182

Number of Accounts for Regular Shares

7,353

Money Market Shares

213

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

20,532,395

Total Liabilities

76,988,547

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Owensboro Federal Credit Union earned the Exceptional Health badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Owensboro Federal Credit Union

How many branches does Owensboro Federal Credit Union operate?

Owensboro 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 Owensboro Federal Credit Union?

Yes, to access services at Owensboro 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, Owensboro 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, Owensboro Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Owensboro Federal Credit Union offer online and mobile banking?

Most modern institutions like Owensboro 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.ofcuonline.com.