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.
Serving your financial needs. Protecting you and our employees.
The health and safety of our customers and employees are always our top priorities. We are available to serve you, and to provide immediate access to your accounts, cash, and financial information in a number of ways.
VISITING OUR OFFICES
Our lobbies are open. You are welcome to come into our lobbies to conduct teller transactions or any other business. We do encourage you to continue using our drive-up and online banking services whenever possible to reduce your exposure to other customers in the lobby.
The safety and well-being of our customer, employees, and communities remains our top priority, while continuing to serve you with as minimal disruption as possible. We continue to promote social distancing, and have established safety protocols at all our locations.
WHAT TO EXPECT WHEN YOU ENTER OUR LOBBIES
The following measures are in place to help protect you when you visit our offices:
ADDITIONAL WAYS TO ACCESS YOUR ACCOUNT AND CONTACT US
We offer a number of alternative ways to access your account and other services:
Contact us today to set up any of these services!
WAYS WE ARE HELPING CUSTOMERS AFFECTED BY COVID-19
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.