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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.
 Ozarks Federal OFSL Rates & Review April 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: April 16, 2026
Ozarks Federal OFSL's 36-Month Certificate - Individual Retirement Account rates are at 1.10%, 18-Month Certificate - Individual Retirement Account rates are at 0.90%. Ozarks Federal OFSL's savings rates are at 0.05%. MonitorBankRates evaluates the financial stability of Ozarks Federal OFSL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.52%. Rates were last updated on 04/16/2026. Ozarks Federal OFSL 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 Ozarks Federal OFSL? Share your experience about Ozarks Federal OFSL by leaving a review below, or read customer reviews before you decide to use Ozarks Federal OFSL. 
Ozarks Federal OFSL CD Rates
Ozarks Federal OFSL Savings Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Ozarks Federal OFSL is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Ozarks Federal OFSL 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 Ozarks Federal OFSL's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Ozarks Federal OFSL
FDIC Certificate #
28277
Address
2 E Columbia St,
Farmington, MO 63640 · St. Francois
Website
https://www.ozarksfederal.com
Established
01/01/1930
FDIC Insurance Date
08/09/1989
Domestic Offices
5
Total Branches
5
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 98/100
5.0
Exceptional
Out of 5.0 Stars
4.52%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.1979%
Return on Equity (ROE)
1.2800%
Non-Performing Loans (NPL)
0.53%
Total Assets
$306,272,000
Total Deposits
$221,978,000
Equity Capital
$39,907,000
Net Income
$1,527,000
Headquarters
Farmington
Total Offices
5
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Ozarks Federal OFSLIs Ozarks Federal OFSL a safe place to deposit money?Yes, Ozarks Federal OFSL is considered a safe financial institution. With a Texas Ratio of 4.5222384804395%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Ozarks Federal OFSL operate?Ozarks Federal OFSL currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Ozarks Federal OFSL 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, Ozarks Federal OFSL provides members with tools to manage their accounts and build a solid financial history. Does Ozarks Federal OFSL offer online and mobile banking?Most modern institutions like Ozarks Federal OFSL 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.ozarksfederal.com. Current Ozarks Federal OFSL Rates
Retrieved from our database of financial products. Rates subject to change.
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