Credit union · NCUA insured
Ozark Federal Credit Union CD Rates
Ozark Federal Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Ozark Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Poplar Bluff, MO, where Ozark Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ozark Federal Credit Union
4.00%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $198
Share Certificate
Top rate
The Bank of Missouri
4.14%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $309
3rd-highest rate
Commerce Bank
3.85%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $583
Ozark Federal Credit Union CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.35%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Ozark Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.00%APY · 7 terms
Membership eligibility requirements apply. Penalty for early withdrawal may be imposed. Dividends compounded quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.75% | $92 |
| 6 months | 4.00% | $198 |
| 12 months | 3.35% | $335 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (3)
- ozarkfcu.com/ratesDetail.php
- ozarkfcu.com/share-certificate.php
- ozarkfcu.com/cmsAdmin/uploads/2/rate-sheet-4-16-26.pdf
All captured Sep 17, 2026
Jumbo Certificate
Up to 3.65%APY · 3 terms
Membership eligibility requirements apply. Penalty for early withdrawal may be imposed. APY reg. rate +0.15. Varies with term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.65% | — |
| 12 months | 3.50% | — |
| 24 months | 3.15% | — |
Sources (2)
All captured Sep 17, 2026
Mini-Jumbo Certificate
Up to 3.60%APY · 3 terms
Membership eligibility requirements apply. Penalty for early withdrawal may be imposed. APY reg. rate +0.10. Varies with term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.60% | — |
| 12 months | 3.45% | — |
| 24 months | 3.10% | — |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificate
Up to 3.35%APY · 5 terms
Includes Traditional and Roth IRA Certificate options. Same terms as regular share certificates with a 1 year minimum term. Membership eligibility requirements apply; early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsShared terms and rates with regular Share Certificates (1 year minimum term) | 3.35% | $335 |
| 24 monthsShared terms and rates with regular Share Certificates (1 year minimum term) | 3.00% | $609 |
| 36 monthsShared terms and rates with regular Share Certificates (1 year minimum term) | 3.00% | $927 |
| 48 monthsShared terms and rates with regular Share Certificates (1 year minimum term) | 3.00% | $1,255 |
| 60 monthsShared terms and rates with regular Share Certificates (1 year minimum term) | 3.00% | $1,593 |
Sources (3)
- ozarkfcu.com/ratesDetail.php
- ozarkfcu.com/share-certificate.php
- ozarkfcu.com/cmsAdmin/uploads/2/rate-sheet-4-16-26.pdf
All captured Sep 17, 2026
Who can join Ozark Federal Credit Union
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.
Membership information collected October 4, 2026.