Oščadnica (Hungarian: Ócsad) is a large village and municipality in Čadca District, in the Žilina Region of northern Slovakia. It has 22 outlying settlements. The village is now an established tourist destination, offering private lodgings and agrobusiness. During the winter a ski resort located southeast of the village, Oščadnica-Veľká Rača, is a popular destination.

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. The settlement begins in the vicinity of the confluence of the Kysuca river with the Oščadnica river and continues along it through a relatively narrow valley 13 km long. The Žilina - Čadca road and the Žilina - Český Těšín railway line lead through the western edge of the Kysuce valley, providing connections with large cities in the vicinity.

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