Credit union · NCUA insured
Ozark Federal Credit Union Savings Rates
Ozark Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Ozark Federal Credit Union’s savings 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
0.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $25
Money Market
Top rate
FM Bank and Trust
3.56%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $356
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Ozark Federal Credit Union savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
0.25%APY
Dividends rates are declared by the Board and paid quarterly and are subject to change without notice. Last declared and paid in March 2026.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMin. balance required to earn div.: $2,500. Dividends paid quarterly.$2,500 and up | 0.25% | $25 | Min. balance required to earn div.: $2,500. Dividends paid quarterly. |
Sources (1)
- ozarkfcu.com/cmsAdmin/uploads/2/rate-sheet-4-16-26.pdf · captured Sep 17, 2026
Share Savings
0.25%APY
Membership eligibility required. With a $25 initial deposit, you become a member-owner.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends declared by Board, paid quarterly, and subject to change without notice. Minimum balance of $50 required to earn dividends.$50 and up | 0.25% | $25 | Dividends declared by Board, paid quarterly, and subject to change without notice. Minimum balance of $50 required to earn dividends. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Shares
0.35%APY
Includes Traditional and Roth IRA share options. Early withdrawals from IRA share accounts may incur penalties.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Traditional and Roth IRA Shares. Dividends declared by Board, paid quarterly, and subject to change without notice. Minimum balance of $0.01 required to earn dividends. No minimum deposit required to open.Over $0 | 0.35% | $35 | Traditional and Roth IRA Shares. Dividends declared by Board, paid quarterly, and subject to change without notice. Minimum balance of $0.01 required to earn dividends. No minimum deposit required to open. |
Sources (2)
All captured Sep 17, 2026
Christmas Club
0.10%APY
Entire balance disbursed on or around October 15th. If funds are withdrawn before scheduled disbursement, the account is closed and cannot be reopened until next enrollment period.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends declared by Board, paid quarterly, and subject to change without notice. Minimum balance of $0.01 required to earn dividends. No minimum deposit required.Over $0 | 0.10% | $10 | Dividends declared by Board, paid quarterly, and subject to change without notice. Minimum balance of $0.01 required to earn dividends. No minimum deposit required. |
Sources (2)
All captured Sep 17, 2026
Vacation Club
0.10%APY
Allows up to 6 withdrawals or transfers per month; after the 6th withdrawal, a $1 fee is applied per transaction.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends declared by Board, paid quarterly, and subject to change without notice. Minimum balance of $0.01 required to earn dividends. No minimum deposit required.Over $0 | 0.10% | $10 | Dividends declared by Board, paid quarterly, and subject to change without notice. Minimum balance of $0.01 required to earn dividends. No minimum deposit required. |
Sources (2)
All captured Sep 17, 2026
Zoe's Club
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends declared by Board, paid quarterly, and subject to change without notice. Minimum balance of $0.01 required to earn dividends.Over $0 | 0.10% | $10 | Dividends declared by Board, paid quarterly, and subject to change without notice. Minimum balance of $0.01 required to earn dividends. |
Sources (2)
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.