About Us

Ozarks Federal Savings and Loan Association is different from other area banks. Even our name is different. We were designed differently almost a century ago. This safe and secure bank is simple and fair by design.

First, we are a mutual bank.

Since 1930, our depositors bring their checking and savings here so that borrowers can buy or build homes. Depositors and borrowers automatically become members of our mutual association. Our boss is the members, not a special class of investors requiring dividends. Members elect other members to serve on our eight-member Board of Directors. All business decisions benefit our members, not a family of stockholders.

Second, we specialize in home lending.

We’re a bank, although bank isn’t part of our name. A savings and loan, or thrift, is a bank designed to serve people who own their homes. We don’t sell insurance, stocks, or “financial services.” We don’t take on risky, commercial ventures. The homeowners we are designed to serve would lose the benefits of a successful, exceptionally focused specialist if we became a big, highly diversified generalist. We’re designed to provide a level of service and value to homeowners that others cannot.

Third, we are as local as you can get.

Our members are our master; they live and work in the communities where we do business. These men and women who have their checking or savings here or borrow money here to build or buy their homes know us by our names. All our employees have business cards and nameplates to make it easier for local people to do business with other local people with real names and accountability.

There is beauty to this simple business plan. We have grown since 1930 from an initial, first deposit of less than two thousand dollars to a bank with a quarter billion dollars in assets consisting mostly of loans on homes in the communities we serve. We take pride in our support of community causes and local charities. We know who we are. We are a mutual; we are specialists; we are local. If you live here, you know who we are, too. We are the Homeowners Bank.

We offer a number of alternative ways to access your account and other services:

Online banking
Mobile banking app
Mobile deposit available through your mobile banking app
Debit cards
CheckFree bill pay service
Send and receive money with Zelle
TransferNow available to transfer money between your account at Ozarks Federal and your accounts at other banks
Receive balance and transaction notification through Notifi
ATMs at all five locations
Manage your debit card through our Mobiliti app
Free ATM transactions at 40,000 participating MoneyPass ATMs nationwide
Telephone customer support at 866-546-7408 during regular business hours
Secure messaging through the Contact Us link on our website
Apply for a home loan through the online loan application available on our website
Upload requested loan information and required documents through our secure online portal

PROTECT YOUR ACCOUNT

Beware of scammers who are taking advantage of this Coronavirus situation! Do not give out your online banking login information, account number, debit card number, or social security number. Ozarks Federal will never call you asking for this information. When in doubt, hang up and call us at 866-546-7408 or 573-756-6622 so you can be confident that you are speaking to an Ozarks Federal employee.