To open an account with us, you will need to bring the following documents:

1. Non-expired government-issued photo ID: This could include a driver's license, passport, or state ID card.
2. Proof of current physical address: Examples of acceptable documents include utility bills, rental agreements, or official correspondence that displays your name and current address.
3. $25.00 for your membershare: We require a nominal fee of $25.00 to establish your membership share. This helps support our commitment to providing exceptional services and benefits to our members.

Adding someone to your account is a straightforward process designed to ensure security and accuracy. Follow these steps:

1. Visit our branch: Both the person you wish to add and all current account holders must visit one of our branches together.
2. Bring necessary identification: Ensure that everyone brings non-expired government-issued photo identification for verification purposes.
3. Complete the required forms: Our staff will provide you with the necessary forms to add a new member to your account. These forms must be filled out accurately and signed by all parties involved.
4. Review account details: Take this opportunity to review and confirm account details, including any changes or additions being made.
   
   By following these steps, you can easily add someone to your account while ensuring the security and integrity of your financial information.

Activating your new card is a simple process. Follow these steps:

1. Visit any of our ATMs: Locate any of our ATMs conveniently located in your area.
2. Check your account balance: Insert your new card into the ATM and follow the prompts to check your account balance. You'll need to use the Personal Identification Number (PIN) provided to you by our Member Service Representative.

By following these steps, you can quickly and easily activate your new card and start using it for your banking needs. If you encounter any issues or require assistance, please don't hesitate to contact us for support at 573-686-7221.

No, you do not need to be a member to apply for a loan; however, you will have to join Ozark Federal Credit Union if you are approved.

A credit union stands apart from traditional banks as a cooperative endeavor. Unlike profit-driven institutions, its primary aim is to facilitate saving and lending among its members. Ownership of the credit union rests collectively with its members, who elect a board of directors to oversee its operations. These directors, who serve voluntarily, establish policies, determine interest rates on savings, and set the terms for loans. Consequently, the credit union operates with the sole intention of benefiting its members, providing them with a reliable platform for saving and borrowing without the pressure of generating profits for external entities.

The field of membership shall be limited to those having the following common bond:

Persons who live, work, worship, or attend school in, and businesses and other legal entities located in the rural district of Bollinger, Butler, Cape Girardeau, Carter, Dent, Douglas, Dunklin, Howell, Iron, Madison, Mississippi, New Madrid, Oregon, Ozark, Pemiscot, Perry, Reynolds, Ripley, Scott, Shannon, St. Francois, Ste. Genevieve, Stoddard, Texas, or Wayne Counties, Missouri.

Spouses of persons who died while within the field of membership of this credit union; employees of this credit union; members of their immediate families or household; and organizations of such persons.

For questions or more information, speak to a Member Service Representative at 1-573-686-7221.

A $25 deposit is required to open a savings account. The $25 represents one share in the credit union.

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