Oščadnica (Hungarian: Ócsad) is a large village and municipality in Čadca District, in the Žilina Region of northern Slovakia.

Oščadnica lies in the northwestern part of Slovakia, below the Veľká Rača massif (1,236 m above sea level), the highest peak of the Kysucké Beskydy Mountains and the entire Kysuce region.

[5] Although the first written mention of Oščadnica dates back to 1579, seasonal mountain huts were probably present in the area by 1500, with dwellings in the valley of today's village established by 1600.

[8] However, insufficient economic opportunities relative to population growth and the Hungarian government's Magyarization policies of the late nineteenth - early twentieth centuries encouraged emigration out of the area, notably to the United States.

In the post-1989 transition to a capitalist economy, the emergence of the nearby Veľká Rača ski resort as a tourist destination has come with significant environmental impacts.