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Owensboro Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.ofcuonline.com
270-683-1054
717 Harvard Dr
Owensboro, KY 42302

Owensboro Federal Credit Union is headquartered in Owensboro and is the 20th largest credit union in the state of Kentucky. It is also the 1,982nd largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 17 employees and 6,214 members at 3 locations. Owensboro Federal Credit Union has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Owensboro Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #8988
Year Chartered1953
Employees17
Primary Regulator
Profit Margin
Return on Assets - YTD1.31%
Return on Equity - YTD9.65%
Annual Interest Income$824K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$84.4MM$81.6MM
LoansQ1 2025vs Q1 2024$38.4MM$37.6MM
DepositsQ1 2025vs Q1 2024$72.3MM$70.5MM
Equity CapitalQ1 2025vs Q1 2024$11.2MM$10.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$62K$79K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$89K$274K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Owensboro Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$5-Regular Share Account
0.05%$0-Christmas Club
0.05%$0-Vacation Club

Owensboro Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$10k*-Money Market
OTHER TIERS: 0.10% → $2.5k - $10k

Owensboro Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.33%$0-9 Month CD Special
0.70%$1k-36 Month CD
0.60%$1k-24 Month CD
0.50%$1k-12 Month CD
0.50%$1k-18 Month CD
0.40%$1k-182 Day CD
0.25%$1k-91 Day CD

Owensboro Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$0-IRA Account
Locations


Owensboro Federal Credit Union Locations
Branch Office717 Harvard DrOwensboro, KY 42301-6185
Branch Office1412 Chelsa DrMadisonville, KY 42431-1671
Branch Office1208 Triplett StOwensboro, KY 42303-3160

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