Business Details
50+ Years
experience
Your Trusted Partner for Credit Union Services in Owensboro, KY
Owensboro Federal Credit Union has served the Owensboro and Madisonville communities since October 1953, making it the oldest credit union in the region. Founded by local postal workers who sought better financial solutions for their families and colleagues, we operate as a not-for-profit, member-owned cooperative dedicated to the philosophy of 'People Helping People.' Our institution began in a cigar box within the old Post Office and has grown to serve over 6,000 members through 80 Special Employee Groups. As a federally-insured credit union regulated by the National Credit Union Administration, we provide secure savings options, competitive loans, and personalized financial services while maintaining strict adherence to the Fair Housing Law and Equal Opportunity Credit Act.We extend membership benefits to immediate family members of existing members, ensuring broader access to our services. Our commitment to community-driven banking remains unwavering, offering surcharge-free access to 5/3 ATMs and maintaining transparent operations that prioritize member satisfaction over profit generation.
Services
Checking Accounts
Saving Accounts
Loan Services
Online Bill Pay
Mortgage Loans
Credit Cards
Financial Literacy
Fraud Prevention
Special Offers
Member Services
Details
- Year established: 1953
Highlights and features
- We operate as a not-for-profit, member-owned financial cooperative
- Immediate family members can share membership benefits
- Federally insured deposits up to $250,000 through NCUA
- Local decision-making for Owensboro and Madisonville communities
- Surcharge-free access to 5/3 ATMs across our service area
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Competitive rates
Personalized service
Knowledgeable staff
Easy online access
Community focus
Services
Checking Accounts
We offer no-minimum checking accounts with free online bill pay, mobile banking, and surcharge-free ATM access. Our accounts include fraud protection and customizable alerts. Members enjoy convenient financial management tools and local customer service.
Mortgage Loans
Our mortgage lending team provides competitive fixed and adjustable-rate loans with down payment assistance options. We offer personalized pre-approvals and local underwriting decisions. Members benefit from streamlined application processes and community-focused lending criteria.
Credit Cards
We issue VISA Classic and Gold credit cards with cashback rewards and fraud monitoring. Our cards feature competitive APRs and no annual fees. Members receive travel insurance and purchase protection benefits with card usage.
Financial Literacy
We provide free educational resources including budgeting tools, credit counseling, and identity theft protection. Our programs cover debt management and savings strategies. Members access personalized financial wellness consultations and online learning modules.
Special Offers
We feature limited-time deposit and loan promotions including share certificate specials and auto loan discounts. Current offers include competitive APRs for qualified borrowers. Members receive exclusive access to seasonal financial products and services.
People
Doris Berry
President/CEO
Doris Berry leads Owensboro Federal Credit Union with over 20 years of credit union leadership experience. She focuses on community development and member financial success. Her leadership maintains the institution's founding principles while embracing modern banking technology.
Christy Frey
Operations Manager
Christy Frey oversees daily operations with 15 years of credit union experience. She ensures regulatory compliance and operational efficiency. Her expertise maintains smooth branch operations and member service standards.
Becky Morris
Loan Manager
Becky Morris manages lending operations with specialized knowledge in consumer and mortgage loans. She provides personalized loan solutions to members. Her team focuses on responsible lending and financial education.
Questions
How can I become a member?
You can join through employment with any of our 80 Special Employee Groups or through family membership. Immediate family members of existing members qualify automatically.
Are my deposits insured?
Yes, all deposits are federally insured up to $250,000 through the National Credit Union Administration (NCUA), a U.S. government agency.
What loan types do you offer?
We provide auto loans, mortgages, personal loans, HELOCs, and credit cards with competitive rates for qualified applicants.
Do you have mobile banking?
Yes, we offer mobile banking with multifacto authentication, check deposit, bill pay, and account alerts through our online banking platform.
Can family members join?
Immediate family members of existing members can join Owensboro Federal Credit Union at any time without additional eligibility requirements.
What are your routing number and hours?
Our routing number is 283980002. Branch hours vary by location - please check our website for current operating hours at each office.