Welcome to M-O Federal Credit Union

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.

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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.

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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


Tiffanie Kouf, Marketing Coordinator at M-O FCU, was recently awarded the '2020 Ambassador of the Year' award from the Huron Chamber & Visitors Bureau.  This is the first time the Huron Chamber has given this award.  Tiffanie commented, "I feel extremely honored to receive this recognition, and thank everyone for the support you have shown!"  Tiffanie has served the last 11 years as an Ambassador, and currently serves as the President of the Huron Chamber Ambassador committee.

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M-O FCU awarded two members with educational scholarships.  Karlie and William were both awarded $500 to use toward their schooling this fall.

Karlie is the daughter of Jim & Maria Bigelow, and a 2021 graduate of Huron High School.  She will be attending the University of Northwestern in St. Paul, MN for Music Ministry.

William is a 2021 graduate of Huron High School, and is the son of Bryan & Teresa Smith.  He will be attending Lake Area Technical College to become a Fixed-Wing Pilot.

Congratulations Karlie & William!

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If you live in the Huron area you've probably noticed some activity at the Credit Union.  We are extending our parking lot making it more convenient for members with bigger vehicles, trailers, etc. to pull into the lot, and also to hold our Shred Events, etc.  The first phase of the project happened the very end of August, just past the drive up lanes, with more work to be done further to the East.

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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!


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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.


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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.

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