Products & Services

  • ► Investment Opportunities

    Enjoying the retirement

    Regular Share Savings

    This is simply a passbook savings account that pays dividends. All members must have a regular share savings account and maintain a minimum balance of $5.00.

    Special Club Savings

    Build up funds for Christmas shopping or save for a special vacation. Make deposits by payroll deduction or in person.


    Earn competitive rates and maximize your investment with a Credit Union Certificate. Choose from several terms with a minimum deposit of $1,000.00.

    Individual Retirement Accounts

    A Credit Union Individual Retirement Account offers you an excellent way to save for retirement. We offer Traditional, Roth, and the Coverdell Education Savings Plan.

    Money Market Accounts

    An excellent way to earn compounding dividends and have access to your funds.

  • ► Checking Accounts

    writing out a check

    Choose from five different checking accounts. Members must be 18 years old to qualify for a checking account. An account must be opened with a $25.00 minimum deposit. Each account offers members unique advantages such as overdraft protection, VISA check card and 24 hours a day, 7 days a week ATM service.

    Regular Checking Account

    • No minimum balance
    • $3.00 monthly service fee
    • Unlimited withdrawals
    • Must buy checks

    Free Checking

    • $1000.00 minimum balance
    • No monthly service fee
    • Unlimited withdrawals
    • Basic checks are free

    Freedom 50 Checking

    • Must be 50 years of age or older
    • No minimum balance
    • No monthly service fee
    • Unlimited withdrawals
    • Basic checks are free

    Student Checking

    • Must show Student ID
    • No minimum balance
    • No monthly service fee
    • Unlimited withdrawals
    • Basic checks are free

    Economy Checking

    • No minimum balance
    • $1.50 monthly service fee
    • Limited to a total of 5 withdrawals per month (total of checks, ATM, & Debit withdrawals)
    • Withdrawals are $0.25 each after first 5
    • Must buy checks
  • ► Loan Services

    Woman in a car

    New & Used Autos, Trucks, Boats

    The Credit Union’s low rates will save you money. Shop with confidence with a pre-approved loan to get the vehicle you want.

    Personal, Unsecured

    Qualified members may borrow on the credibility of their own signature. Amounts are based on the availability to repay and credit history. A revolving line of credit is also available.


    The Credit Union offers competitive rates for fixed-rate mortgages and undeveloped land. Mortgage loans are only processed at the Main office on Harvard Drive.

    Home Equity

    Use your available equity to finance a new car, home improvements, education, etc. Our Home Equity Loan offers you low closing costs, and both fixed and variable loans are available.

    VISA Credit Card

    No annual fee and a fixed rate will save you money over other cards. Use a Credit Union VISA card worldwide for shopping, travel, and cash.

    On-The-Lot Auto Financing

    With our On-The-Lot Financing Program you can get a low-rate OFCU loan right from the lot of any participating dealer.



    Champion Ford/Lincoln/Mazda
    Don Moore Nissan/Toyota/Honda/Mitsubishi
    Don Moore Chevrolet/Cadillac/Buick/GMC
    Don Moore Hyundai
    Roberts Brothers Auto Mart
    Steve Jones Chrysler/Dodge/Jeep
    Tapp Motors
    Champion-Ship Auto Sales

    Pogue Chevrolet

    Pogue Chrysler

    Moore Ford/Chrysler/Dodge/Jeep

    B F Evans Ford

    Share Secured

    Use your savings as collateral and pay low rate.

    Credit Union Car Information

    We can provide you with a dealer cost and option information for most any car you are interest in purchasing. This bargaining power, combined with a pre-approved loan ensures the best deal.

    Borrower’s Insurance

    Credit Life and Credit Disability Coverage are available on most loans for a small fee.

  • ► Special Services

    credit cards

    Online Account Access

    This convenient service enables you to access your accounts from your PC, 24 hours a day, 7 days a week and receive your statement online with E-Statements. With a simple click you can get your account balances, transfer funds and make loan payments.

    Audio Teller

    Your accounts are available 24 hours a day, 7 days a week through Audio Teller. It’s easy to access your accounts, whether you’re at home or traveling. Audio Teller phone number is (270) 683-9713

    VISA Check Card

    Use the VISA check card to pay for purchases anywhere VISA debit cards are accepted. You won’t have to write a check and the amount of the purchase will be automatically debited from your OFCU checking account.

    Direct Deposit

    Have any regularly recurring check deposited into your checking account. Payroll, Social Security, Pension, etc...

    Courtesy Pay*

    Overdrafts may be paid utilizing your Courtesy Pay funds for Checks, Debit Card, ACH, and ATM transactions.

    Safe Deposit Boxes

    Six different sizes of safe deposit boxes are available. This is a smart way to protect valuables.

    Money Orders, Cashiers Checks

    When a personal check or cash will not be sufficient, use a Credit Union money order or cashiers check.

    *Avoid using Courtesy Pay as a short-term loan. It’s a costly form of credit and is not designed to be used as such. Good account management is the lowest cost way to prevent overdrafts.