Oconee Federal



About Us

Since 1924, Oconee Federal Savings and Loan has provided banking options for Oconee County in South Carolina with a focus on providing outstanding service to our friends and neighbors. In 2014, the Association entered a merger agreement with Stephens Federal Bank, a Toccoa, GA-based mutual savings bank in business since 1933. The acquisition added Stephens Federal’s three offices in Toccoa and Clayton, GA, to our four existing branches. Our main office location is in Seneca, SC. Please see our Locations page for a complete list of our offices.
See us for all your financial needs, whether for a home mortgage, construction loan, certificate of deposit, personal or business checking or savings accounts.
Oconee Federal Savings and Loan is more than products and services. It is a friendly staff standing ready to serve our customers and communities. With over 93 years as a mutual institution now behind us, our commitment to bettering the lives of Oconee, Stephens and Rabun County residents has never been stronger.Oconee Federal continues to earn BauerFinancial’s 5-Star Superior Rating. This rating means Oconee Federal is among the strongest financial institutions in the country.
Visit us today at our convenient branches on Big A Road and Doyle Street downtown or at www.oconeefederal.com. Friends you can bank on!


  • Dream and Build the house you've always wanted through Oconee Federal!
  • Friends You Can Bank On!
  • Experienced employees providing Outstanding Service to our Customers and our Community.
  • Construction/Purchase/Refinance Loans
  • Friendly staff


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