Bank · FDIC insured
Ozarks Federal Savings and Loan Association Savings Rates
Ozarks Federal Savings and Loan Association’s best savings rate is 0.05% APY on $10,000, with its Classic Statement Savings. Rates checked October 16, 2026.
How Ozarks Federal Savings and Loan Association’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Ozarks Federal Savings and Loan Association has the most branches. $10,000, best rate first.
This bank’s best
Ozarks Federal Savings and Loan Association
0.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $5
Classic Statement Savings
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
Ozarks Federal Savings and Loan Association savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 Ozarks Federal Savings and Loan Association ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Classic Statement Savings
0.05%APY
Available to individuals, not-for-profit organizations, and businesses. Interest rate subject to change at any time. Interest compounded quarterly. Quarterly statements provided. ATM card available. Paper statement fee of $5.00 if not enrolled in eStatements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMonthly service fee of $5.00 applies if average daily balance is less than $100. Paper statement fee of $5.00 applies if not enrolled in eStatements.Any balance | 0.05% | $5 | Monthly service fee of $5.00 applies if average daily balance is less than $100. Paper statement fee of $5.00 applies if not enrolled in eStatements. |
Sources (3)
- ofsl.bank/personal/current-rates
- ofsl.bank/personal/savings-accounts
- ofsl.bank/savings-rate-comparison
All captured Sep 17, 2026
Special-purpose accounts
Children's Statement Savings
0.05%APY
Available to children age 16 or under at time account is opened. Minimum balance to open and maintain is $25. Interest rate subject to change at any time. Interest compounded quarterly. Quarterly statements provided.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAvailable to children age 16 or under at time account is opened. Minimum balance to maintain is $25.$25 and up | 0.05% | $5 | Available to children age 16 or under at time account is opened. Minimum balance to maintain is $25. |
Sources (3)
- ofsl.bank/personal/current-rates
- ofsl.bank/personal/savings-accounts
- ofsl.bank/savings-rate-comparison
All captured Sep 17, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.