Products & Services

Account Access Services

  • Electronic Funds Transfer Agreement
  • Internet Banking Application
  • Online Billpay Application
  • Account Error Resolution
  • Flex Teller:
    • Online access from anywhere with internet service!
    • Convenient access to your accounts 24 hours a day, 7 days a week
    • Transfer funds between account
    • Check deposits and withdrawals
    • Request a check withdrawal
    • History and balances (including year to date dividends)
    • View images of checks that have cleared
    • Calculate loan payments
    • Add to line of credit
    • Apply for loan
    • Current Savings, CD and Loan rates
  • Audio Teller
    • (573) 778-0190 or 1-800-341-1816
    • Convenient access to your accounts 24 hours a day, 7 days a week
    • Transfer funds between account
    • Check deposits and withdrawals
    • Request a check withdrawal
    • History and balances (including year to date dividends)
    • Calculate loan payments
    • Add to line of credit

Protection & Insurance

  • Overdraft Protection
  • Automatic from regular savings
  • Transfers from other deposit accounts available
  • Overdraft loans
  • Small fee per incident for any protection transfers
  • Secure Your Loans with Credit Life and Disability
    • MEMBER'S CHOICE® Credit Life & Disability Insurance helps give you the security of knowing repayment won't be left to loved ones should something happen to you.

Credit Disability and Credit Life Insurance

    • Three Steps to Greater Security for You and Your Family

      What is MEMBER'S CHOICE

      ® Credit Life and Credit Disability Insurance?

      It's a way to help protect you and your family. There's no way anyone can predict an injury, illness or an unexpected death but you can take steps along the way to help make sure your family is provided for if the unforeseen were to happen. Credit Life and Credit Disability Insurance helps you pay your loans so you and your loved ones don't have to.

      How Does it Work?

      This voluntary insurance premium is included in your monthly payment; you won't receive extra bills or statements. If you have a balance on your loan and are totally disabled due to injury, illness, or in the event of an unexpected death, Credit Life and Credit Disability Insurance can help. Your loan officer can show you how.

      Why is it Valuable?

    • Credit Life and Credit Disability Insurance works in two different ways. You and your family won't have to make loan payments if you're totally disabled due to an injury or illness. It will help pay your loan until you're fully recovered, or in the event of an unexpected death, it will pay off the loan. Savings, salary or payoffs from other life insurance may be spared, giving your family financial freedom when they need it most.

    • Call 1-800-786-7221 to learn more or stop by Ozark Federal Credit Union to enroll today.

      CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Your purchase of MEMBER'S CHOICE

      ® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms.

      CDCL-0713-E278, © CUNA Mutual Group 2014, All Rights Reserved.

  • Direct Deposit and Payroll Deduction – if available from employer
  • Gap Protection on Vehicle Loans-
  • Vehicle Warranties
    • What would you do without your car? How would you pay for mechanical repairs this tough economic time? These are hard questions, but very important ones. We are seeing our budgets shrinking lately and the one thing that we never seem to plan for is if our vehicles break down. Make sure that you are FULLY PROTECTED! We now offer the finest vehicle warranty in the industry. Stop in and let us share with you how we can add the warranty to any vehicle that you currently have or are looking to buy.


Note: Eligibility requirements must be met on any loan. This is for information ONLY and does not imply approval.

  • Apply for a Loan
  • Secured Loans
  • Share and Certificate Loans
    • Share loans are a great way to borrow and still earn interest on your savings. The money on deposit in your share savings account is pledged as collateral. This loan rate is just 3.0% over the share dividend rate. The payback term is set by the member. You may also pledge your certificate of deposit at 3.0% over the interest rate earned on the CD. These loans are designed to help our members maintain their hard earned savings and still borrow at just 3.0% over the interest's like getting a 3.0% loan!!
  • Signature Loans
    • The signature loan is a non-collateral loan that only requires your signature and your good credit. The loan limit is based on your monthly gross income. This loan is an excellent way to consolidate your credit cards and other debts in to one low monthly payment! The line of credit loan is designed to give you quick cash when you need it. Think of it as a credit card without the plastic. Credit lines are based on individual income and credit history.
  • Home Loans
    • When it comes to buying your first home or your retirement home, Ozark Federal Credit Union will help you choose the right mortgage loan for you. We offer:
      • Competitive interest rates
      • Low closing costs
      • Minimum Down Payment Options
      • No Prepayment Penalties
      • Home Equity loans
    • We are an Equal Housing Lender
  • Calculator: What would my mortgage payment be? 

Sending Money

  • Wire Transfer
    • No incoming wire fees!
    • outgoing fee (see our Rate/Fee schedule)
    • international fee (varies)
  • Western Union
    • Wire Transfer
    • No incoming wire fees!
    • outgoing fee (see our Rate/Fee schedule)
    • international fee (varies)

Deposit Accounts

To see account fees, view our Truth In Savings disclosure.

  • Savings – Current Rates
    • $25 MINIMUM. All credit union members are required to have this account. The $25 represents one share in the credit union.
  • Checking (share drafts) – Current Rates
    • NO MINIMUM DEPOSIT is required to open our checking account unless checks are ordered, plus no minimum balance is required to avoid fees. In fact, the only way a member will be service charged is if the account is overdrawn. Now, that's [almost!] free checking! The share draft agreement states the credit union will automatically transfer funds from the member's savings account to cover an overdraft providing funds are available. Other overdraft protection arrangements are available from other deposit accounts, as well as overdraft loans. All members opening checking accounts are verified through ChexSystems.
  • Money Market – Current Rates
    • $2500 MINIMUM. Tiered rates. The money market account is for members who want a higher interest bearing account and the flexibility to write a limited number of checks per month. This is our only account earning a monthly dividend.
  • Certificates of Deposit – Current Rates
    • All of our certificates are compounded quarterly to give our members a better return on their money. As an extra bonus, our Jumbo CD of $100,000 or more earns a 15 basis points higher interest rate (add 0.15 to the regular APY) and our mini-Jumbo CD of $50,000 to $99,999 earns 10 basis points higher (add 0.10 to the regular APY).
  • IRA – Current Rates
    • There is NO MINIMUM DEPOSIT to open an IRA, but there are maximum deposits per tax year, as decided by the IRS. Whether choosing the traditional or Roth IRA, the Individual Retirement Account is a great way to save for the future. With the many changes in IRAs, nearly every employed member is eligible. We offer investments in IRA certificates of deposit and the IRA share account.
  • Christmas Club – Current Rates
    • NO MINIMUM DEPOSIT. Let your Christmas shopping funds earn interest all year in this special account. You may deposit to this account any time during the year. On October 15th the entire balance will be paid to you by check or transferred to one of your other accounts. Isn't this an easy way to save for Christmas?!
  • Vacation Club – Current Rates
    • NO MINIMUM DEPOSIT. This account was designed for members who want to set aside a little extra for that special occasion

ATM & Credit Cards

For free ATM transactions on your ATM card or VISA® check card, look for these logos on ATMs:


Click here to find a Privileged Status ATM in your area.

  • Visa® Check Card
    • No card fee
    • No transaction fee
    • Like writing a check without a check
    • Accepted anywhere VISA© is accepted
  • ATM Card
    • The ATM/debit card is part of the SHAZAM® and STAR networks.
    • Initial ATM Card fee $2.00
    • Use for ATM cash OR as a debit card at any participating merchant

Checks, Money Orders & Bonds

  • Cashiers Checks
    • $3.00
  • Gift Card
    • $3.00 each
  • Money Orders
    • $1.00 per money order
  • Savings Bonds
  • Travel Card
    • New Card $5.00
    • Reload Card $2.00

Other Products and Services

  • Discount Tickets
    • Silver Dollar City and White Water
  • Car Fax
    • Check vehicle history
    • Registration location
    • Check for salvage title
  • Car Values Online
  • Order Checks Online
  • Safety Deposit Box
    • 3" X 5" Box        $20.00 / Year
    • 3" X 10" Box      $35.00 / Year
    • 5" X 10" Box      $50.00 / Year
    • 10" X 10" Box    $100.00 / Year
Ozark Federal Credit Union is proud to be associated with the following organizations:
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