Credit union · NCUA insured
Ozark Federal Credit Union
A $142.8M credit union headquartered in Poplar Bluff, MO, with 20,804 members and 8 branches in Missouri. Best rates: CDs 4.00% and savings 0.25% APY.
Ozark Federal Credit Union Carrot Score
68
Carrot Score
Higher than 22% of U.S. banks and credit unions
#1 of 4 in Poplar Bluff, MO metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Ozark Federal Credit Union
Founded in 1952 by VA Hospital employees as Poplar Bluff Federal Credit Union, Ozark Federal Credit Union operates as a member-owned, not-for-profit financial cooperative.
After merging with a local teacher's credit union and Arvin Employees Credit Union, it adopted its current name in 2014 and expanded to serve 25 Missouri counties in 2023.
- Headquarters
- 2438 Katy LN, Poplar Bluff, MO 63901-2304
- NCUA charter
- 7641
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who lives, works, worships, or attends school in Bollinger, Butler, Cape Girardeau, Carter, Dent, Douglas, Dunklin, Howell, Iron, Madison, Mississippi, New Madrid, Oregon, Ozark, Pemiscot, Perry, Reynolds, Ripley, Scott, Shannon, St. Francois, St. Genevieve, Stoddard, Texas, or Wayne counties in Missouri.
Employers and groups
- Employees of the credit union are eligible for membership.
Family and household
- Members of the immediate families or household of eligible persons/employees are eligible for membership.
- Spouses of persons who died while within the field of membership of this credit union are eligible for membership.
Other ways
- Organizations of such eligible persons are eligible for membership.
Cost to join
- A $25 initial deposit into a savings account is required to open an account and get started.
Branches
8 branches in Missouri
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Missouri
8 branches
Poplar Bluff area · 3
- Main OfficeMain office2438 Katy LN, Poplar Bluff, MO 63901Directions
- Downtown Branch221 N 5th St, Poplar Bluff, MO 63901Directions
- VAMC Branch1500 N Westwood Blvd, Poplar Bluff, MO 63901Directions
Cape Girardeau area · 2
- Cape Girardeau2427 Cape Centre Dr, Cape Girardeau, MO 63703Directions
- Jackson5721 US Highway 61, Jackson, MO 63755Directions
Dexter area · 1
- Dexter Branch1117 W Bus Hwy 60, Dexter, MO 63841Directions
Doniphan area · 1
- Doniphan Branch1407 Walnut St, Doniphan, MO 63935Directions
Piedmont area · 1
- Piedmont Branch101 S Main ST, Piedmont, MO 63957Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.63% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.18% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.74% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $91 | $76 | — |
- CapitalNet worth ratio11.63%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.18%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.74%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$91Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Ozark Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.