Routing #: 281581144 • Wire Instructions
We’re thrilled to welcome you to the Ozark Federal Credit Union family! As of September 1, 2025, Cape Regional Credit Union (CRCU) officially joined forces with Ozark Federal Credit Union.This partnership brings together two member-focused institutions to provide even stronger support, expanded services, and a shared commitment to your financial well-being.
While many things will feel familiar, this merger also brings exciting new benefits, tools, and resources designed to support you at every stage of your financial journey.
As part of the Ozark Federal Credit Union family, you now have access to even more ways to manage your money, protect your finances, and plan for the future. From early direct deposit to powerful digital tools, we're here to make your banking experience easier, faster, and more rewarding—without losing the personal touch you’re used to.
While the full conversion process will not be complete until early 2026, there are some exciting updates and opportunities available to you right now:
If you’re curious about what Ozark Federal Credit Union has to offer, you’re welcome to open a new OFCU account today. Doing so gives you early access to our full suite of digital tools and financial services—without needing to wait for the full conversion in 2026.
Here’s what opening an OFCU account today gives you access to:
However, until the full conversion is complete in early 2026, CRCU members who have not yet opened an OFCU account will continue to use only CRCU branches and systems. Access to OFCU branches and services will become fully available to all members after the transition.
Throughout this process, our focus is on making sure you feel supported, informed, and empowered every step of the way. This is more than a name change—it’s a partnership designed to bring you more of what matters, with care and clarity at every turn.
With Early Pay, your direct deposit hits your account up to two days early—so you can stress less and access your money sooner.
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Stay in control of your credit with free, real-time access to your credit score, personalized tips, and instant alerts—all inside online banking.
Learn About SavvyMoney
Whether you're car shopping at midnight or planning a home improvement project, you can apply for loans online anytime.
Apply Online Here
Add your Ozark debit card to Apple Pay® or Google Pay™ and make secure, contactless payments from your phone or smartwatch.
Learn About Digital Wallets
Instantly lock or unlock your debit card, set travel alerts, and monitor spending—all from your phone for extra security and control.
Learn About Card Controls
Search local inventory, compare prices, and get pre-approved—all in one easy-to-use car shopping tool.
Shop Now
Buy or borrow with confidence—get a mortgage or HELOC with low rates and local service you can trust.
Learn More
A digital alternative to paper statements that helps members stay organized, reduce clutter, save time, and easily access important account records anytime with added convenience and security.
Skip the trip to the branch—just snap a photo of your check in our mobile app and deposit it on the go, anytime, from any device, with added convenience and security.
While your CRCU accounts will officially convert to Ozark Federal Credit Union accounts during the first quarter of 2026, you don’t have to wait to start using many of these new tools and services.
You can open an account with Ozark Federal Credit Union today—online, at the Cape or Fruitland branch, or at any of our other six convenient locations.
Opening an account now gives you immediate access to:
As part of the transition to Ozark Federal Credit Union, all CRCU members will begin using the OFCU mobile app once the full conversion is complete in early 2026. But why wait?
✅ If you’re planning to stay with your CRCU account for now, you can download the app today so you’re ready to go when your account transitions.
✅ Or, if you choose to open an Ozark Federal Credit Union account now and you can start using the app immediately.
With the app, you’ll be able to:
📲 Download the app today and stay a step ahead.
Scan the QR code to the right to download the app or find us in the Apple App Store or Google Play.
Cape Regional Credit Union is merging with Ozark Federal Credit Union to bring even more value to our members, now and in the future. By joining with Ozark Federal Credit Union, we're gaining access to expanded products and services, enhanced digital banking tools, and greater financial strength. This partnership also gives members more convenience, with additional branch locations throughout Southeast Missouri and extended support resources. Most importantly, both credit unions share the same member-first philosophy, so you’ll continue to receive the personalized service you know and trust—now backed by even more tools to help you thrive.
This merger brings meaningful, long-term benefits designed to improve your everyday financial life, not just behind-the-scenes changes, but real tools and support you can use right now and in the future.
Here’s how it benefits you:
1. More financial strength means more security.
When two credit unions come together, it’s not just about size—it’s about stability. By merging with Ozark Federal Credit Union, we’re joining forces with an institution that’s financially strong, federally insured, and deeply rooted in Missouri. This means more resources to invest in the services you rely on, and greater protection through economic shifts. It’s a partnership that helps ensure your credit union remains strong for decades to come.
2. Expanded services to meet your real-life needs.
This merger gives you access to a wider range of tools and services designed to fit your lifestyle, not just traditional banking, but digital tools and financial wellness support to help you move forward confidently:
Whether you’re paying down debt, saving for a major purchase, or just want better control of your money, these tools are here to make that easier.
3. More access to people who care.
You’re not losing your credit union—you’re gaining a larger team that’s just as committed to treating you like family. You’ll still see the same familiar faces at your local branch, and now you’ll also have access to six more locations throughout Southeast Missouri. Whether you’re shopping in Cape, visiting family in Poplar Bluff, or traveling through Dexter, there’s an Ozark Federal Credit Union branch nearby to support you.
4. A shared mission, centered on you.
This merger isn’t a buyout. It’s a collaboration between two like-minded credit unions that believe in putting members first. At the heart of this decision is a desire to do more for you, not by changing who we are, but by amplifying what we can offer. You’ll always be more than just an account number here. And now, you’ll have even more opportunities, services, and support to back you up.
Mergers often signal big changes, but one of the most encouraging outcomes in this case is that every team member is staying on board. Keeping the full staff not only ensures continuity but also shows a strong commitment to the people behind the credit union. It allows employees to carry their experience into this new chapter and continue serving members with the same dedication and care.
Cape Regional Credit Union will officially convert into the Ozark Federal Credit Union banking systems during the first quarter of 2026. If you haven’t already opened an OFCU account before that time, your existing CRCU account will automatically transition into an Ozark Federal Credit Union account.
We’ll keep you informed every step of the way. As the exact conversion date approaches, you’ll receive timely updates with clear instructions on what to expect, what (if anything) you’ll need to do, and how to make the transition as smooth as possible. Our goal is to ensure everything feels easy, supportive, and completely transparent—so there are no surprises, just progress.
Absolutely. Your deposits remain fully protected by the National Credit Union Administration (NCUA), just as they always have. Each individual account is insured up to $250,000, providing you with peace of mind that your funds are secure. We’re committed to keeping your financial safety our top priority.
No. Your existing CRCU account number and routing number will stay the same until the full system conversion in early 2026. We’ll notify you well in advance of any changes.
Yes. You can continue using your CRCU debit card, checks, and online banking as usual until the conversion is complete. We’ll provide clear instructions on when and how to switch over to OFCU cards and tools when the time comes.
Yes. The current CRCU branches in Cape Girardeau and Fruitland will remain open and staffed by the same friendly faces you know. Those branches are now part of the Ozark Federal Credit Union family.
Yes! You don’t have to wait.
You’re welcome to open an account with Ozark Federal Credit Union today—online, at our Cape Girardeau or Fruitland branches, or at any of our other six locations. This gives you immediate access to expanded services like our mobile app, Early Pay, and SavvyMoney®.
