We are for service


Ozark Federal Credit Union was organized simply to offer quality, economical services to our members and their families. We strive to promote responsible money management (savings and the wise use of credit) to help improve the standard of living of our members. Our nine-member Board of Directors, as well as other volunteer committees, are unpaid credit union members who are serving on behalf of the entire membership. We are innovative and committed to providing our members with the best possible service and products available.

To see if you are eligible for membership, check the list below. For more information, see How to Join.

Mission Statement
The mission of the Ozark Federal Credit Union is:
  • To provide affordable financial services to our members and their families in Southeast Missouri, and
  • To promote community development in our low-to-moderate income area, and
  • To encourage thrift, savings and the wise use of credit for the individuals and small businesses in the targeted areas.

We are a federally-chartered credit union serving residents of southeast Missouri since 1952. As our logo suggests, we are an experienced and trusted pillar of financial strength in the community.

We are a not-for-profit cooperative organization, which makes us unique in the financial community. We are owned by our members (8,700 strong) and our profits are returned to them in the form of higher dividend rates on savings deposits and lower interest rates on loans, plus low or no cost fees on services! We are a definite ALTERNATIVE to banks.

Notice of Privacy Practices for Our Members

The mission of Ozark Federal Credit Union is to provide high quality, innovative and convenient financial services while promoting responsible financial management among the membership.

In accordance with the Gramm-Leach-Bliley Privacy Act the Ozark Federal Credit Union is committed to protecting the personal information received in our association with our members. The privacy of our members is a high priority of our board of directors, management and staff.

The Ozark Federal Credit Union collects nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms
  • Information about your transactions with us or others; and
  • Information we receive from a consumer reporting agency

We do not disclose any nonpublic information about you to anyone, except as permitted by law.

If you decide to terminate your membership or become an inactive member, we will adhere to the privacy policies and practices as described above in the notice.

The Ozark Federal Credit Union restricts access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Meet our Board of Directors

  • Edwin Ervin, Chairman
  • Tim Darnell
  • Terry Farmer
  • Keith Hale
  • Charles Hicks
  • Gary McVey
  • Sharron Payne
  • Lonnie Robertson
  • Tony Pursell

Meet the Management

  • Kirk Mondy – President
  • Chad Wolfram – VP, Lending

Current Membership Employee Groups:
Anyone who lives, works, worships in or is a student in the following Missouri counties:

  • Butler
  • Carter
  • Wayne
  • Ripley
  • Stoddard
  • Dunklin

Also eligible for membership is a family member of a current member. Definition of family or household:

  • Spouse
  • Child
  • Sibling
  • Parent
  • Grandparent
  • Grandchild

Also included are:

  • Step Parents
  • Step Children
  • Adoptive Relationships

"Household" is now defined as persons living in the same residence maintaining a single economic unit. Also, the previous requirement that family members must live in the same household is now gone. Any family member listed above is eligible for credit union membership, regardless of where they live. Your grandchild in Florida or brother in St. Louis can now join Ozarkfcu if you are a member!

How to join
If you are in our field of membership, it is really quite easy to join the credit union. You may join online by clicking here. Or, you may open your account at any of our facilities during normal business hours. You will need to bring the following:

  • Either a state or federally regulated picture ID card with signature
  • Proof of eligibility (pay stub, badge, etc.)
  • All potential joint members must also be present
  • $25 minimum deposit (your membership share)

From the President...

Welcome to our website! We hope you find what you need and invite you to explore, explore, explore. There is a wealth of information just a mouse-click or finger-tap away. You can find our rates, order checks, sign in to your account to view your personal information and more. Need retirement advice, tax advice or other financial advice? Check out Home & Family Finance Resource Center (click the Resources tab at the top of any page), your one-stop financial information center. We have a great selection of articles, videos and ideas for nearly every age group and every life-stage. Ready to open an account or apply for a loan? You can click the links to open accounts and apply for loans directly, online, without ever having to come in to an office. You're always welcome to come in, of course; we'll be glad to see you! But if online is more convenient for you, then that's our goal. Got a mobile/smart phone? Are we ever wired for you! Look for our app in the iPhone store or Google Play store for Android phones. You can access all our web features right on your phone. Need to check your balance? Use your mobile phone to sign in to your account OR to call our 24-hour audio teller for account information (balance, deposits, etc.). You can even set up alerts to notify you when a deposit has been made or when a certain check clears. The alerts can come right to your phone as a text message, or they can come as an e-mail alert to your computer OR your smartphone. So whether you're "high-tech" or "high-touch", we're here for you at Ozark Federal Credit Union. We're the largest credit union in Southeast Missouri but our philosophy is still "people helping people". We're here to serve our members. We LOVE to make loans. We WANT your business! Kirk Mondy, President Ozark FCU

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