Ozark Federal Credit Union Will be Closed for business on the following 2024 holidays: 

• January 1, 2025 - New Year's Day**
  January 20, 2025 - Martin Luther King Jr. 
  February 17, 2025 - Presidents' Day
  May 26, 2025 -  Memorial Day
  June 19, 2025 - Juneteenth National Independence Day
  July 4, 2025 - Independence Day
  September 1, 2025 -  Labor Day
  October 13, 2025 -  Columbus Day
  November 11, 2025 - Veterans Day
  November 27, 2025 - Thanksgiving Day
  December 24, 2025 - Christmas Eve- Lobby & drive-thru will close at noon
  December 25, 2025 - Christmas Day

* Federal Reserve Banks and Branches will be open the preceding Friday for holidays falling on Saturday. 

** Federal Reserve Banks and Branches will be closed the following Monday for holidays falling on Sunday. 

Our ATM locations are open 24/7 at the following locations:

Dexter
-1117 W. Business Highway 160 West, Dexter, MO 63841

Doniphan
- 1407 Walnut St, Doniphan MO 63935

- Inside Harps Foods,  at 771 US Highway 160, Doniphan, MO 63935 (during operational hours only)

Piedmont
- 101 S Main St., Piedmont, MO 63957

Poplar Bluff

- 2438 Katy Lane, Poplar Bluff, MO 63901

- 221 N. 5th St., Poplar Bluff, MO 63901

- Inside the cafeteria at Poplar Bluff Regional Medical Center.

You can now connect with us via text.

In order to communicate with Ozark Federal Credit Union via text, members must complete our opt-in form. Without this form, OFCU will be unable to respond to any text messages. 

Text your questions or concerns at 573-686-7221.

Or text any branch location by texting the numbers listed below.

Dexter: 573-624-8864
Doniphan: 573-351-2401
Downtown: 573-686-9991
Piedmont: 573-223-3075
VA Hospital: 573-778-4606

We have set up keywords for you to get a quick response to some general questions:

CardDispute - Contact information for debit card disputes.
Checking - Information on OFCU (Share) checking account options.
Home – Looking to build, buy, or refinance a home. See what OFCU has to offer.
RoutingNumber - Setting up a new deposit or payment? Our routing number is 281581144.
Wire - Detailed wiring instructions.

To stay up-to-date on special offers and events:

Text: MYOFCU to 1-888-867-7221 to opt-in. 

Message and data rates may apply. Reply STOP to cancel at any time.

For more information, please contact a Member Service Representative for a copy of our Terms of Service and Privacy Policy. 

Please note the following details for incoming and outgoing wire transfers:

Wire To:

Millennium Corporate Credit Union

8615 West Frazier

Wichita KS 67212

ABA Routing Number: 301180111

Further Credit To:

Ozark Federal Credit Union

ABA Routing Number 281581144

Final Credit To: Member's Name and Account Number

No incoming wire fees!
Outgoing fee (varies)

We offer members 24/7 access to our night depository boxes at each location except at the John J. Pershing VA Hospital branch. We will post the transaction to your account on the morning of the first business day following the night drop. Please ensure the correct account information is written in the appropriate places of your deposit or loan payment, along with specific instructions for the deposited amounts or loan payments. 

If your debit card is lost or stolen, follow these steps to contact us:

1. Turn off your debit card:

If you have online banking you can easily turn off your debit card right from online banking.  Here's how to do that:

From your Mobile App:

1. Log in to your online banking from the Ozark Federal Credit Union mobile app.
2. Click on the Menu.
3. Select Remote Control Cards.
4. Choose Active or Disabled for the card you want to control.

From your Desktop:

1. Log in to your online banking at www.ozarkfcu.com.
2. Click on the menu button in the upper left-hand corner.
3. Select Remote Control Cards.
4. Choose Lock or Unlock for the card you wish to control.

*terminology may differ by device.  

2. Report the card lost or stolen:

Call 573-686-7221 or 800-786-7221 to speak with a representative.

After hours or on weekends: Call 866-508-2693.

If you're outside the U.S.: Call 515-558-7608.

When you call, please provide your

• Name,
• Account number
• Card number (if known)
• Name on the card

Ensuring uninterrupted access to your card during travel is essential. Here's what you can do:

1. Contact a Member Service Representative: Alternatively, you can reach out to our Member Service Representative at 573-686-7221 to set up a travel notice over the phone. They will assist you in ensuring your card remains accessible during your trip.
2. Use the Brella app: Download the Brella app (App Store, Google Play), where you can conveniently submit travel notices. This informs us of your travel plans, reducing the likelihood of your card being flagged for suspicious activity while you're away.

By taking these proactive steps, you can enjoy peace of mind knowing that your card will be available for use wherever your travels may take you.

Our mobile app can be downloaded from the App Store or Google Play. 

No, it is not possible to unilaterally remove a joint owner from an account. Joint ownership implies equal rights and responsibilities for all parties involved. Any changes to joint ownership require mutual agreement and action by all account holders. If you have concerns or wish to make changes to the ownership structure of your account, please contact our member service representatives who will guide you through the necessary steps and provide assistance accordingly.

Yes! With Ozark Federal Credit Union’s mobile and online banking, you can instantly turn your debit card off to prevent unauthorized transactions. Here’s how:

From your Mobile App:

1. Log in to your online banking from the Ozark Federal Credit Union mobile app.
2. Click on the Menu.
3. Select Remote Control Cards.
4. Choose Active or Disabled for the card you want to control.

From your Desktop:

1. Log in to your online banking at www.ozarkfcu.com.
2. Click on the menu button in the upper left-hand corner.
3. Select Remote Control Cards.
4. Choose Lock or Unlock for the card you wish to control.

(Terminology may vary by device)

This feature adds extra security by allowing you to turn your card off while you search for it or request a replacement.

Alternatively, you can contact our member service representatives at 573-686-7221 to request immediate deactivation of your card. We're here to assist you with securing your finances and ensuring peace of mind.

Your daily debit card limits are as follows:

• PIN Transactions: Up to $500 per day.
• Credit Transactions: Up to $1,500 per day.
• Daily Transaction Total Limit: A combined total limit of $2,000 per day.

These limits are designed to provide both security and convenience while using your debit card for various transactions. If you have any specific inquiries or need adjustments to your limits, please feel free to contact our customer service team for assistance.

Reporting fraudulent activity on your debit card is crucial to safeguarding your finances. Here's what you should do:

1. During normal open hours: If you notice any suspicious transactions, promptly call us at 573-686-7221. Our dedicated Member Service Representative will guide you through the necessary steps to report the fraud and secure your account.
2. After hours: If you encounter fraudulent activity outside of our normal operating hours, it's important to act swiftly. Contact Shazam at 833-288-1126 to report the fraud and initiate appropriate measures to protect your account.
3. Emergency card shutdown: In cases of immediate concern, such as suspected card theft or unauthorized use, you can directly call Shazam at 800-383-8000 to shut down your card and prevent further unauthorized transactions.

By taking prompt action and following these steps, you can help mitigate the impact of fraud on your account and protect your financial well-being.

To open an account with us, you will need to bring the following documents:

1. Non-expired government-issued photo ID: This could include a driver's license, passport, or state ID card.
2. Proof of current physical address: Examples of acceptable documents include utility bills, rental agreements, or official correspondence that displays your name and current address.
3. $25.00 for your member share: We require a nominal fee of $25.00 to establish your membership share. This helps support our commitment to providing exceptional services and benefits to our members.

Adding someone to your account is a straightforward process designed to ensure security and accuracy. Follow these steps:

1. Visit our branch: Both the person you wish to add and all current account holders must visit one of our branches together.
2. Bring necessary identification: Ensure that everyone brings non-expired government-issued photo identification for verification purposes.
3. Proof of current physical address: Examples of acceptable documents include utility bills, rental agreements, or official correspondence that displays your name and current address.
4. Complete the required forms: Our staff will provide you with the necessary forms to add a new member to your account. These forms must be filled out accurately and signed by all parties involved.
5. Review account details: Take this opportunity to review and confirm account details, including any changes or additions being made.
   
   By following these steps, you can easily add someone to your account while ensuring the security and integrity of your financial information.

Signing up for online banking is easy! Simply click here to fill out the registration form. Once completed, our team will review your submission and guide you through the setup process.

Activating your new card is a simple process. Follow these steps:

For an Instant Issue Debit Card: 

1. Visit any ATM: Locate any of our ATMs conveniently located in your area.
2. Check your account balance: Insert your new card into the ATM and follow the prompts to check your account balance. You'll need to use the Personal Identification Number (PIN) you chose when you set up your card.

For Mailed Debit Cards: 

1. Follow the directions provided with the debit card that was mailed to you. 

By following these steps, you can quickly and easily activate your new card and start using it for your banking needs. If you encounter any issues or require assistance, please don't hesitate to contact us for support at 573-686-7221.

Ensuring uninterrupted access to your card during travel is essential. Here's what you can do:

1. Contact a Member Service Representative: Alternatively, you can reach out to our Member Service Representative at 573-686-7221 to set up a travel notice over the phone. They will assist you in ensuring your card remains accessible during your trip.
2. Use the Brella app: Download the Brella app (App Store, Google Play), where you can conveniently submit travel notices. This informs us of your travel plans, reducing the likelihood of your card being flagged for suspicious activity while you're away.

By taking these proactive steps, you can enjoy peace of mind knowing that your card will be available for use wherever your travels may take you.

You can apply for an auto, recreational vehicle, line of credit, and a signature loan by clicking here. 

You can apply for a home loan or a home equity line of credit.

To proceed with your loan application, please provide the following documents for each individual involved in the loan:

• Driver's license and Social Security card
• Pay stubs from the past month from your current employer
• If applicable, the current award letter for any retirement, Social Security, or other fixed income
• Tax returns and W-2 forms for the past 2 years
• Bank statements for the past 2 months

1. Preapproval: Even before you start looking at homes, the first step in the mortgage process is getting a preapproval letter from a lender, which provides documentation of how much money you're eligible to borrow. 

2. Home Search: Once you have your preapproval letter, work with your real estate agent to find a home. 

3. Processing: Your Loan officer will then prepare and submit your mortgage application for final review and approval.  You may be asked to provide additional information.  During this time, your appraisal will be ordered for the home you're hoping to buy. 

4. Closing:  The last step in the mortgage process is closing.   This is where you assume ownership, your loan is funded and you get the keys to your new home.  

With a fixed-rate mortgage, your interest rate stays the same for the life of your loan.  With an adjustable rate, your loan begins with a fixed rate for a specified period of time and then adjusts higher or lower based on the 11th District Cost of Funds Index.

An interest rate is the cost you pay annually to borrow money, expressed as a percentage of your total loan.  In contrast, APR includes the interest rate plus other costs, such as mortgage insurance, discount points and some closing costs and loan origination fees.  

Closing costs can vary depending on the lender but typically include appraisal fees, title insurance fees, prepaid interest, documentation fees, and more. You will receive an estimate of closing costs before finalizing the loan.

No, you do not need to be a member to apply for a loan; however, you will have to join Ozark Federal Credit Union if you are approved.

Reporting fraudulent activity on your debit card is crucial to safeguarding your finances. Here's what you should do:

1. During normal open hours: If you notice any suspicious transactions, promptly call us at 573-686-7221. Our dedicated Member Service Representative will guide you through the necessary steps to report the fraud and secure your account.
2. After hours: If you encounter fraudulent activity outside of our normal operating hours, it's important to act swiftly. Contact Shazam at 833-288-1126 to report the fraud and initiate appropriate measures to protect your account.
3. Emergency card shutdown: In cases of immediate concern, such as suspected card theft or unauthorized use, you can directly call Shazam at 800-383-8000 to shut down your card and prevent further unauthorized transactions.

By taking prompt action and following these steps, you can help mitigate the impact of fraud on your account and protect your financial well-being.

Our mobile app can be downloaded from the App Store or Google Play. 

Family members include your spouse, child, sibling, parent, grandparent, grandchild, step-parents, step-children, and those in adoptive relationships. These relatives can join Ozark Federal Credit Union, no matter where they live—even your grandchild in Florida or your brother in Colorado is eligible if you're a member!

To open an account with us, you will need to bring the following documents:

1. Non-expired government-issued photo ID: This could include a driver's license, passport, or state ID card.
2. Proof of current physical address: Examples of acceptable documents include utility bills, rental agreements, or official correspondence that displays your name and current address.
3. $25.00 for your member share: We require a nominal fee of $25.00 to establish your membership share. This helps support our commitment to providing exceptional services and benefits to our members.

Adding someone to your account is a straightforward process designed to ensure security and accuracy. Follow these steps:

1. Visit our branch: Both the person you wish to add and all current account holders must visit one of our branches together.
2. Bring necessary identification: Ensure that everyone brings non-expired government-issued photo identification for verification purposes.
3. Proof of current physical address: Examples of acceptable documents include utility bills, rental agreements, or official correspondence that displays your name and current address.
4. Complete the required forms: Our staff will provide you with the necessary forms to add a new member to your account. These forms must be filled out accurately and signed by all parties involved.
5. Review account details: Take this opportunity to review and confirm account details, including any changes or additions being made.
   
   By following these steps, you can easily add someone to your account while ensuring the security and integrity of your financial information.

Signing up for online banking is easy! Simply click here to fill out the registration form. Once completed, our team will review your submission and guide you through the setup process.

Activating your new card is a simple process. Follow these steps:

For an Instant Issue Debit Card: 

1. Visit any ATM: Locate any of our ATMs conveniently located in your area.
2. Check your account balance: Insert your new card into the ATM and follow the prompts to check your account balance. You'll need to use the Personal Identification Number (PIN) you chose when you set up your card.

For Mailed Debit Cards: 

1. Follow the directions provided with the debit card that was mailed to you. 

By following these steps, you can quickly and easily activate your new card and start using it for your banking needs. If you encounter any issues or require assistance, please don't hesitate to contact us for support at 573-686-7221.

No, you do not need to be a member to apply for a loan; however, you will have to join Ozark Federal Credit Union if you are approved.

A credit union stands apart from traditional banks as a cooperative endeavor. Unlike profit-driven institutions, its primary aim is to facilitate saving and lending among its members. Ownership of the credit union rests collectively with its members, who elect a board of directors to oversee its operations. These directors, who serve voluntarily, establish policies, determine interest rates on savings, and set the terms for loans. Consequently, the credit union operates with the sole intention of benefiting its members, providing them with a reliable platform for saving and borrowing without the pressure of generating profits for external entities.

The field of membership shall be limited to those having the following common bond:

Persons who live, work, worship, or attend school in, and businesses and other legal entities located in the rural district of Bollinger, Butler, Cape Girardeau, Carter, Dent, Douglas, Dunklin, Howell, Iron, Madison, Mississippi, New Madrid, Oregon, Ozark, Pemiscot, Perry, Reynolds, Ripley, Scott, Shannon, St. Francois, Ste. Genevieve, Stoddard, Texas, or Wayne Counties, Missouri.

Spouses of persons who died while within the field of membership of this credit union; employees of this credit union; members of their immediate families or household; and organizations of such persons.

For questions or more information, speak to a Member Service Representative at 1-573-686-7221.

A $25 deposit is required to open a savings account. The $25 represents one share in the credit union.

A $5 deposit is required to open a youth savings account.  

Our mobile app can be downloaded from the App Store or Google Play. 

• Member must opt-in for Courtesy Pay

• Account must receive direct deposit

• Account must be in good standing

• Primary share draft owner must be 18 years of age or older

• Availability of courtesy pay will be extended upon determination of credit score

A charge of $30 per occurrence, plus the amount of the overdraft item, will be subtracted from any overdraft limit disclosed. In addition, there will be a charge for each item paid up to a maximum of four items, regardless of the number of overdraft items presented each day.

We do authorize and pay overdrafts for the following types of transactions:

   • Checks and other transactions made using your checking account

   • Automatic bill payments through ACH

• ATM transactions

• Everyday debit card transactions

Your transactions will be declined.

No, there is no limit on the total fees we can charge you for overdrawing your account under our standard overdraft service.

No, we do not guarantee automatic authorization and payment for any transaction regarding overdrafts as we pay overdrafts at our discretion.

SavvyMoney Credit Report provides you all the information you would find on your credit file including a list of open loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public records that show up on your account. When you check your credit report, there will be no impact to your score.

SavvyMoney is a comprehensive Credit Score program offered by Ozark Federal Credit Union, that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up-to-date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how Ozark Federal Credit Union can help save you money.

Credit Score also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, a change in address or employment, a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

No. Checking SavvyMoney Credit Score is a “soft inquiry”, which does not affect your credit score. Lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.

SavvyMoney uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

The SavvyMoney Credit Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is inaccurate, we encourage you to take advantage of obtaining free credit reports from Annual Credit Report.com, and then pursuing action with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their SavvyMoney Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

No. SavvyMoney is entirely free for Ozark Federal Credit Union members and no credit card information is required to register.

If you are a regular online banking user, your credit score will be updated every month and displayed in your online banking screen. You can click “refresh score” as frequently as every day by navigating to the detailed SavvyMoney site from within online banking.