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Our History

Serving Federal and Postal Employees and Their Families Since 1950 M-O Federal Credit Union was founded in 1950. M-O began with only 50 members and now serves over 1950 members. M-O has grown to almost $25 Million in assets. M-O stands for Missouri-Oahe, however our official chartered name is M-O Federal Credit Union.

Mission Statement

M-O Federal Credit Union is dedicated to providing competitive financial products and services to meet our member needs.

Credit Union Advantage

A credit union is a not-for-profit financial organization owned and operated by its members for the benefit of all who belong.  Credit unions are governed by a Board of Directors.  All officers are volunteers, elected by the members.  The credit union concept is a simple one – members pool their savings and then make low-interest loans to each other.  As not-for-profit financial service cooperatives, credit unions return earnings to their members in higher savings rates, better services, and lower borrowing rates.

M-O’s main purpose is to provide financial services to our members in a pleasant and friendly atmosphere.  We pride ourselves in the personalized service you receive at your member-owned financial institution.  Upon joining M-O, you become a member-owner.  Your membership makes you eligible to utilize our full range of financial services.  You may also take part in the election of officers and can hold an office yourself.


M-O Federal Credit Union’s primary membership base is government and postal employees who work in or are supervised from Beadle County, South Dakota.  Our membership also extends to the following:

Membership is open to anyone who meets any of these requirements and their family members, any relative either natural or through marriage.  Once you join, you are always a member, even if you move away.

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Privacy Policy


FACTS     What Does M-O Federal Credit Union Do With Your Personal Information?
Why?     Financial companies choose how they share your personal information.  Federal law gives consumers the right to limit some but not all sharing.  Federal law also requires us to tell you how we collect, share, and protect your personal information.  Please read this notice carefully to understand what we do.



The types of personal information we collect and share depend on the product or service you have with us.  This information can include:
- Social Security number and checking account information
- Credit history and employment information
- Income and payment history
When you are no longer our customer, we continue to share your information as described in this notice.

How?     All financial companies need to share members' personal information to run their everyday business.  In the section below, we list the reasons financial companies can share their members' personal information; the reason M-O FCU chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does M-O FCU share? Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus Yes No
For our marketing purposes - to offer our products and services to you Yes No
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes - information about your transactions and experiences No We don't share
For our affiliates' everyday business purposes - information about your creditworthiness No We don't share
For our affiliates' to market to you No We don't share
For non-affiliates' to market to you No We don't share
Questions? Call 1-605-353-9977 or go to
What we do 
How does M-O FCU protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.  These measures include computer safeguards and secured files and buildings.
How does M-O FCU collect my personal information? We collect your personal information, for example, whe you
- open an account or apply for a loan
- apply for insurance or enter into investment advisory contract
- apply for financing
We also collect your personal information from other companies.
Why can't I limit all sharing? Federal law gives you the right to limit only
- sharing for affiliates' everyday business purposes - information about you credit-worthiness
- affiliates from using your information to market to you
- sharing for non-affiliates to market to you
State law and individual companies may give you additional rights to limit sharing.
Affiliates Companies related by common ownership or control.  They can be financial and non-financial companies.
- M-O FCU does not share with our affiliates
Non-affiliates Companies not related by common ownership or control.  They can be financial and non-financial companies.
- M-O FCU does not share with our non-affiliates so they can market to you
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or
services to you.
- M-O FCU does not jointly market

Please do not hesitate to call us – we are here to serve you!

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Mobile Deposit User Agreement

Electronic Funds Transfer Agreement

Truth-in-Savings Disclosure

Account Opening Procedures

Funds Availability Disclosure

Schedule of Fees

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