Welcome to M-O Federal Credit Union

Happy Thanksgiving

We are thankful for our members!

Make Your Dream a Reality

Couple looking at home blueprints.

Home Sweet Home
Fast, affordable home loans, and help every step of the way.

Man outside looking at smartphone holding drink.

With You On The Go
Check balances, deposit checks, use Bill Pay...all in the palm of your hand.

Woman leaning out of car window with a guitar.

New Car Smell
Great rates, flexible terms, personalized service. No payments for 90 days.

Hand stopping a line of dominoes.

Because Life Happens
Borrow for vacation, medical, wedding, adoption, pet - any variety of expenses.

High school graduate holding diploma.

Earning Your Degree
College can be stressful - paying for it shouldn't be.

Shopper with shopping bags and holding a credit card.

Swipe With Confidence
Credit cards - no annual fee, fixed rate, EMV chip, payments made at M-O FCU.

Woman holding a wrapped gift.

Seasonal Spending
Because there are just certain times of the year you could use extra cash.

Living the Dream at M-O FCU


Community involvement is an important part of the credit union philosophy.  Recently, the SD Central Chapter of Credit Unions teamed up with the Huron Area Senior Center to participate in the Meals on Wheels program to deliver food to Huron residents. 

This was made possible through effective partnerships with all five credit unions location in Huron.

Read More


We held a fun-filled Halloween Open House at our 18th & Dakota location.  Pictured are some of the visitors we had stop by and say hello.  The fresh popped popcorn was a big hit with the kids and adults.

Thank you to everyone who took the time to stop by - we enjoyed having a busy lobby with so many visitors!

Read More


Throughout the month of October, M-O FCU, along with other members of the SD Central Chapter of Credit Unions, gathered to pack bags for the United Way Backpack Program.  This program supplies kids with weekend food and snack options to just over 580 youth at 9 local schools each week. 

Pictured from M-O FCU are Tiffanie, Jeanie, Deanna, and Amy who volunteered to assist with this project.

Read More

None 2


In Spring 2018 we held a Shred Event which allowed members to securely dispose of any documents that contained confidential information.  While the line was too busy to keep track of the number of vehicles that came through, we were very pleased with the turnout and happy to help so many members out with their shredding, and fraud prevention needs.  A total of 4,284 pounds of paper was collected and shredded to be turned into recycled products such as paper towels and tissue paper.  Thank you to everyone who supported this event!


Read More



Members of the South Dakota Central Chapter of Credit Unions gathered to present People's Transit of Huron with a monetary donation.  The Chapter raised the funds by holding 50/50 drawings at each of their monthly meetings/training sessions.  M-O FCU employees present for the donation were Tiffanie Kouf (Chapter President) and Gail Broer.


Read More


Thank you to everyone who stopped by to participate in our Halloween Open House - it was a great success because of you!  We loved seeing the youth and their parents dressed in their costumes!  In addition to the traditional Trick-or-Treating, youth were also invited to 'pick' a mini pumpkin or gourd to take home.

Read More