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.

COVID-19 Readiness Information

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.


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.


The following measures are in place to help protect you when you visit our offices:

  • Masks are not required in our lobbies, but are encouraged. If you do wear a mask into the lobby, you will be asked to lower your mask briefly for proper identity verification and for the necessary recording of your image by our security cameras.
  • All employees and customers should exercise social distancing whenever possible.
  • Protective plexiglass barriers have been installed at teller windows and employee desks for added safety.
  • Hand sanitizer is available for you and our staff to use.
  • We have heightened both the frequency and intensity of our cleaning service, focusing on high touch surface areas.
  • We will follow a maximum customer capacity at each location. If capacity reaches this threshold, you may be asked to wait outside or in your vehicle.


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 CardValet
  • Free ATM transactions at 32,000+ 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

Contact us today to set up any of these services!


  • Mortgage Assistance – If COVID-19 has impacted your ability to pay your mortgage, contact your loan officer to find out how we may be able to help.
  • Other Deposit Account Support – Upon request, we can provide support related to your checking and savings accounts based on your specific situation.


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.

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