Routing #: 28158144
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Please open the PDF copy for easy access to print the current rates, or speak to a Member Service Representative for a printed copy.
0.250 Dividend Rate (DR)
0.250 Annual Percentage Yield (APY)
$50 minimum balance required to earn dividend
0.100 Dividend Rate (DR)
0.100 Annual Percentage Yield (APY)
$0.01 Minimum balance required to earn dividend
0.100 Dividend Rate (DR)
0.100 Annual Percentage Yield (APY)
$200 Minimum balance required to earn dividend
0.250 Dividend Rate (DR)
0.250 Annual Percentage Yield (APY)
$2,500 Minimum balance required to earn dividend
IRA Shares:
0.350 Dividend Rate (DR)
0.350 Annual Percentage Yield (APY)
$0.01 Minimum balance required to earn dividend
0.350 Dividend Rate (DR)
0.350 Annual Percentage Yield (APY)
$0.01 Minimum balance required to earn dividend
Disclosures:
Updated: 5/1/24
Dividend rates are declared by the Board and paid quarterly and are subject to change without notice.
Last declared and paid in March 2024.
Penalties may or will be assessed for early withdrawal on timed accounts.
Speak with a Member Service Representative for more information on our products, services, terms and fees.
36 Months: 6.75% / 6.25% Loyalty Rate
48 Months: 7.00% / 6.50 % Loyalty Rate
60 Months: 7.25% / 6.75% Loyalty Rate
72 Months: 7.50% / 7.00% Loyalty Rate
84 Months: 8.25% / 7.75% Loyalty Rate
36 Months: 7.50% / 7.00% Loyalty Rate
48 Months: 7.75% / 7.25% Loyalty Rate
60 Months: 8.0% / 7.50% Loyalty Rate
72 Months: 8.25% / 7.75% Loyalty Rate
84 Months: 9.0% / 8.50% Loyalty Rate
36 Months: 8.50% / 8.00% Loyalty Rate
48 Months: 8.75% / 8.25% Loyalty Rate
60 Months: 9.0% / 8.50% Loyalty Rate
72 Months: 9.25% / 8.75% Loyalty Rate
84 Months: N/A
36 Months: 13.25% / 12.75% Loyalty Rate
48 Months: 13.50% / 13.00% Loyalty Rate
60 Months: 13.75% / 13.25% Loyalty Rate
72 Months: 14.00% / 13.50% Loyalty Rate
84 Months: N/A
36 Months: 16.25% / 15.75 % Loyalty Rate
48 Months: 16.50% / 16.00% Loyalty Rate
60 Months: 16.75% / 16.25% Loyalty Rate
72 Months: 17.0% / 16.50% Loyalty Rate
84 Months: N/A
36 Months: 16.75% / 16.25% Loyalty Rate
48 Months: 17.25% / 16.75% Loyalty Rate
60 Months: 18.00% / 17.50% Loyalty Rate
72 Months: 18.00% / 17.50% Loyalty Rate
84 Months: N/A
Disclosures:
Loyalty Rate: The following Rate reduction will apply to all loans except for Real Estate and Share-Secured loans: -.50% if members have automatic transfer and the member is the borrower's primary financial institution (defined as a member must have savings, checking, direct credit or debit and one loan with OFCU). The floor rate for rate break is 6.00%
Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval. Rates, terms, and conditions are subject to change at any time. Minimum loan amount is $500. Maximum secured loan amount with Ozark Federal Credit Union is $180,000.
36 Months: 7.25% / 6.75% Loyalty Rate
48 Months: 7.50% / 7.00% Loyalty Rate
60 Months: 7.75% / 7.25% Loyalty Rate
72 Months: 8.00% / 7.50% Loyalty Rate
84 Months: 8.75% / 8.25% Loyalty Rate
36 Months: 8.00% / 7.50% Loyalty Rate
48 Months: 8.25% / 7.75% Loyalty Rate
60 Months: 8.50% / 8.00% Loyalty Rate
72 Months: 8.75% / 8.25% Loyalty Rate
84 Months: 9.50% / 9.00% Loyalty Rate
36 Months: 8.75% / 8.25% Loyalty Rate
48 Months: 9.00% / 8.50% Loyalty Rate
60 Months: 9.25% / 8.75% Loyalty Rate
72 Months: 9.50% / 9.00% Loyalty Rate
84 Months: N/A
36 Months: 13.50% / 13.00% Loyalty Rate
48 Months: 13.75% / 13.25% Loyalty Rate
60 Months: 14.00% / 13.50% Loyalty Rate
72 Months: N/A
84 Months: N/A
36 Months: 16.50% / 16.00% Loyalty Rate
48 Months: 17.00% / 16.50% Loyalty Rate
60 Months: 18.00% / 17.50% Loyalty Rate
72 Months: N/A
84 Months: N/A
36 Months: 17.00% / 16.50% Loyalty Rate
48 Months: 17.50% / 17.00% Loyalty Rate
60 Months: 18.00% / 17.50% Loyalty Rate
72 Months: N/A
84 Months: N/A
Disclosures:
Loyalty Rate: The following Rate reduction will apply to all loans except for Real Estate and Share-Secured loans: -.50% if members have automatic transfer and the member is the borrower's primary financial institution (defined as a member must have savings, checking, direct credit or debit and one loan with OFCU). The floor rate for rate break is 6.00%
For all used vehicles below $10,000 add 1.00% to the rate
Add 2.00% for used RV loans - Commercial Vehicles, boats, RVs, ATVs, etc. Maxium rate of 18.00%. For every 12 months added to the term on RV loans add .25% to the interest rate.
Add 0.25% to any loan secured by a prior salvage title.
Current model year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval. Rates, terms, and conditions are subject to change at any time. Minimum loan amount is $500. Maximum secured loan amount with Ozark Federal Credit Union is $180,000.
6.125% Starting Interest Rate
6.125% APR*
6.375% Starting Interest Rate
6.375% APR*
6.500% Starting Interest Rate
6.500% APR*
7.00% Starting Interest Rate
7.00% APR*
6.75% Starting Interest Rate
6.75% APR*
Disclosures:
* Annual Percentage Rates (APR).
Rates quoted are based on a purchase transaction of $200,000, loan-to-value of 80%, primary residence, and a credit score of 760 or higher.
All interest rates, APRs, and cost are indications only and are subject to change without notice. Contact a mortgage loan officer for more information.
13.00% / 12.50% Loyalty Rate
14.00% / 13.50% Loyalty Rate
15.00% / 14.50% Loyalty Rate
16.00% / 15.50% Loyalty Rate
18.00% / 17.50% Loyalty Rate
18.00% / 17.50% Loyalty Rate
Disclosures:
Annual Percentage Rate (APR)
Interest rates are determined by individual credit history. Rates, terms, and conditions are subject to change at any time.
There are insecure loan limits that are based on the member's credit score and the member's monthly gross income.
Maximum Term is 60 months (closed end)
The minimum initial loan is $500. Subsequent minimum advances $200.
OFCU will pull a "soft credit report" from the credit bureau annually.
Payments recalculate monthly, minimum payment of 2.0% of the balance.
Maximum Funds is $15,000 (individual) or $25,000 (household) at OFCU. Maxium $50,000 unsecured debt, including OFCU and other outside unsecured debt.
13.00% / 12.50% Loyalty Rate
14.00% / 13.50% Loyalty Rate
15.00% / 14.50% Loyalty Rate
16.00% / 15.50% Loyalty Rate
18.00% / 17.50% Loyalty Rate
18.00% / 17.50% Loyalty Rate
Disclosures:
Annual Percentage Rate (APR)
Interest rates are determined by individual credit history. Rates, terms, and conditions are subject to change at any time.
There are insecure loan limits that are based on the member's credit score and the member's monthly gross income.
Maximum Term is 60 months (closed end)
The minimum initial loan is $500. Subsequent minimum advances $200.
OFCU will pull a "soft credit report" from the credit bureau annually.
Payments recalculate monthly, minimum payment of 2.0% of the balance.
Maximum Funds is $15,000 (individual) or $25,000 (household) at OFCU. Maxium $50,000 unsecured debt, including OFCU and other outside unsecured debt.
2.428% Dividend Rate (DR)
2.450% Annual Percentage Yield (APY)
$500 Minimum balance required to earn dividend
3.941% Dividend Rate (DR)
4.000% Annual Percentage Yield (APY)
$500 Minimum balance required to earn dividend
3.941% Dividend Rate (DR)
4.00% Annual Percentage Yield (APY)
$500 Minimum balance required to earn dividend
3.455% Dividend Rate (DR)
3.500% Annual Percentage Yield (APY)
$500 Minimum balance required to earn dividend
3.211% Dividend Rate (DR)
3.250% Annual Percentage Yield (APY)
$500 Minimum balance required to earn dividend
3.113% Dividend Rate (DR)
3.150% Annual Percentage Yield (APY)
$500 Minimum balance required to earn dividend
3.113% Dividend Rate (DR)
3.150% Annual Percentage Yield (APY)
$500 Minimum balance required to earn dividend
Dividend Rate (DR) varies with term
Annual Percentage Yield (APY) reg. rate +0.10
$50,000 Minimum balance required to earn dividend
Dividend Rate (DR) varies with term
Annual Percentage Yield (APY) reg. rate +0.15
$100,000 Minimum balance required to earn dividend
$500 Minimum balance required to earn dividend
$500 Minimum balance required to earn dividend
Disclosures:
Updated: 05/01/24
Certificate rates are subject to change without notice. Please verify current rates with a Member Service Representative.
Penalties may or will be assessed for early withdrawal on timed accounts.
Dividend rates are declared by the Board and paid quarterly and are subject to change without notice. Last declared and paid in March 2024.
1 YR Term Certificates
Auto Loans as low as
Fixed & Variable
Instant Issue Debit Cards
