What are the current interest rates at Ozark Federal Credit Union?

Current rates for Ozark Federal Credit Union include: 12-Month CD: 3.35%, 24-Month CD: 3.00%, 60-Month CD: 3.00%

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Ozark Federal Credit Union

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Ozark Federal Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Ozark Federal Credit Union's top rates as of October 12, 2026 are 4.00% APY on its 1 YR Term CDs CD, and auto loans from 4.85% APR, according to rates verified by MonitorBankRates. Other Ozark Federal Credit Union CD rates include 6 Month CD at 4.00%, 3 Month CD at 3.75%, and 1 Year CD at 3.35%. 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 1.16%. Rates last updated and verified on 10/12/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.16%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Ozark Federal Credit Union
Main Office

2438 Katy LN
Poplar Bluff, MO 63901-2304

https://www.ozarkfcu.com

Customer Reviews

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Ozark Federal Credit Union CD Rates

Product	Rate	APY	Term
1 YR Term Certificates	-	4.00%	1 years
Details Homepage featured rate card Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
6 Month Certificate	3.941%	4.00%	6 Month
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
3 Month Certificate	3.698%	3.75%	3 Month
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
1 Year Certificate	3.309%	3.35%	1 Year
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
2 Year Certificate	2.967%	3.00%	2 Year
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
3 Year Certificate	2.967%	3.00%	3 Year
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
4 Year Certificate	2.967%	3.00%	4 Year
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
5 Year Certificate	2.967%	3.00%	5 Year
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

Ozark Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Auto Loan - Loyalty Rate	-	-	4.849%	36 Months
Details As Low As; Rates as of: 7/23/25; Loyalty/PFI Rate: -.50% reduction if member has automatic transfer and OFCU is primary financial institution (savings, checking, direct credit or debit and one loan); Current model year with less than 15,000 miles qualifies for New Vehicle rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
New Vehicle Auto Loan - Loyalty Rate	-	-	5.077%	48 Months
Details As Low As; Rates as of: 7/23/25; Loyalty/PFI Rate: -.50% reduction if member has automatic transfer and OFCU is primary financial institution (savings, checking, direct credit or debit and one loan); Current model year with less than 15,000 miles qualifies for New Vehicle rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.08% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
New Vehicle Auto Loan - Loyalty Rate	-	-	5.313%	60 Months
Details As Low As; Rates as of: 7/23/25; Loyalty/PFI Rate: -.50% reduction if member has automatic transfer and OFCU is primary financial institution (savings, checking, direct credit or debit and one loan); Current model year with less than 15,000 miles qualifies for New Vehicle rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.31% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
New Vehicle Auto Loan	-	-	5.35%	36 Months
Details As Low As; Rates as of: 7/23/25; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates determined by individual credit scores; Advertised rates assume excellent credit Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 4.85% → 5.35% ▲ 0.50 pts · high 5.35% / low 4.85% Oct 12, 20265.35%▲ from 4.85% Sep 12, 20264.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
New Vehicle Auto Loan - Loyalty Rate	-	-	5.554%	72 Months
Details As Low As; Rates as of: 7/23/25; Loyalty/PFI Rate: -.50% reduction if member has automatic transfer and OFCU is primary financial institution (savings, checking, direct credit or debit and one loan); Current model year with less than 15,000 miles qualifies for New Vehicle rate; Example: $75,000 for 72 months at 5.554% APR Loyalty Rate = $1227.35 monthly payment Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.55% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Auto Loans	-	-	5.564%
Details As Low As; Homepage featured rate card Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.56% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
New Vehicle Auto Loan	-	-	5.578%	48 Months
Details As Low As; Rates as of: 7/23/25; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates determined by individual credit scores; Advertised rates assume excellent credit Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 5.08% → 5.58% ▲ 0.50 pts · high 5.58% / low 5.08% Oct 12, 20265.58%▲ from 5.08% Sep 12, 20265.08%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
New Vehicle Auto Loan	-	-	5.814%	60 Months
Details As Low As; Rates as of: 7/23/25; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates determined by individual credit scores; Advertised rates assume excellent credit Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 5.31% → 5.81% ▲ 0.50 pts · high 5.81% / low 5.31% Oct 12, 20265.81%▲ from 5.31% Sep 12, 20265.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
New Vehicle Auto Loan	-	-	6.055%	72 Months
Details As Low As; Rates as of: 7/23/25; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates determined by individual credit scores; Advertised rates assume excellent credit; Example: $75,000 for 72 months at 6.055% APR = $1245.03 monthly payment Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 5.55% → 6.06% ▲ 0.50 pts · high 6.06% / low 5.55% Oct 12, 20266.06%▲ from 5.55% Sep 12, 20265.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
New Vehicle Auto Loan - Loyalty Rate	-	-	6.299%	84 Months
Details As Low As; Rates as of: 7/23/25; Loyalty/PFI Rate: -.50% reduction if member has automatic transfer and OFCU is primary financial institution (savings, checking, direct credit or debit and one loan); Current model year with less than 15,000 miles qualifies for New Vehicle rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
New Vehicle Auto Loan	-	-	6.80%	84 Months
Details As Low As; Rates as of: 7/23/25; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates determined by individual credit scores; Advertised rates assume excellent credit Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 6.30% → 6.80% ▲ 0.50 pts · high 6.80% / low 6.30% Oct 12, 20266.80%▲ from 6.30% Sep 12, 20266.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Ozark Federal Credit Union’s Texas Ratio stayed near 1.20% in Q3 2023 to 1.16% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$143M	1.16%	5.0	A+
March 31, 2026	$143M	1.32%	5.0	A+
December 31, 2025	$138M	1.52%	5.0	A+
September 30, 2025	$136M	1.25%	5.0	A+
June 30, 2025	$119M	1.98%	5.0	A+
March 31, 2025	$115M	3.67%	5.0	A+
December 31, 2024	$111M	3.76%	5.0	A+
September 30, 2024	$109M	2.45%	5.0	A+
June 30, 2024	$109M	2.50%	5.0	A+
March 31, 2024	$107M	1.91%	5.0	A+
December 31, 2023	$101M	1.54%	5.0	A+
September 30, 2023	$99M	1.20%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 58

Part-Time Employees 0

Branch Locations 8

ATM Locations 7

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.16%

Return on Assets (ROA)

0.8582%

Return on Equity (ROE)

7.3820%

Non-Performing Loans Ratio (NPL)

0.18%

Total Assets

142,503,610

Total Amount of Shares and Deposits

124,790,759

Total Shares and Deposits < 1 Year

121,419,571

Total Shares and Deposits 1 3 Years

3,037,180

Total Shares and Deposits > 3 Years

334,005

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

4,271,598

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

4,271,598

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

120,519,161

Total Interest Expense (Sum of items 6 8)

547,816

Share Certificates

717

Number of Accounts for Share Drafts

9,740

IRA KEOGH Accounts

217

Number of Accounts for Regular Shares

17,705

All other shares

341

Money Market Shares

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

10,936,331

Total Liabilities

126,006,624

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Ozark Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/ozark-federal-credit-union-rates-review-7641">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

Customer Reviews

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Frequently Asked Questions About Ozark Federal Credit Union

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.