About

Ozarks Federal Savings & Loan Association is a locally operated mutual bank that has served Southeast Missouri since 1930. Unlike a stockholder-owned bank, Ozarks Federal is owned by its members—the people who deposit money, maintain accounts, and borrow through the association. This community-focused structure allows the bank to make decisions that benefit its customers and the communities it serves.

Known as “The Homeowners Bank,” Ozarks Federal specializes in residential lending. Its mortgage options include home-purchase and refinancing loans, construction loans, home-equity loans and lines of credit, bridge loans, land and lot loans, investment-property loans, and government-backed USDA, FHA, and VA loan programs. Lending decisions are made locally, and mortgage loans are serviced locally by Ozarks Federal.

Personal banking services include checking accounts, savings accounts, children’s savings, certificates of deposit, individual retirement accounts, debit cards, online banking, mobile banking, mobile deposit, bill payment, Zelle, account alerts, and access to surcharge-free MoneyPass ATMs.

Ozarks Federal also supports local businesses and real-estate investors through investment-property financing, real-estate-secured business lines of credit, and commercial construction loans. Customers receive knowledgeable, personalized assistance from local banking professionals who understand the region and its financial needs.

Ozarks Federal operates branches in Farmington, Festus, Fredericktown, Ironton, and Potosi. Each location offers a 24-hour ATM, lobby service, and drive-thru banking. Ozarks Federal is a Member FDIC institution and an Equal Housing Lender.