Welcome to M-O Federal Credit Union

RV Loan Special!

We've got the loan for you!

Make Your Dream a Reality

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

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

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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.

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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.

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

Living the Dream at M-O FCU


The South Dakota Central Chapter of Credit Unions held a fundraiser to benefit the Heartland United Way's Backpack Program.  The Backpack Program provides healthy weekend snack and food options for almost 600 students at 9 local schools each week.  The funds helped purchase food items such as granola bars, fruit, macaroni & cheese, popcorn, fruit snacks, Ramen noodles, etc.

M-O Federal Credit Union is proud to partner with other credit unions in the Central Chapter to help this organization in a variety of ways.

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The South Dakota Central Chapter of Credit Unions donated items to the Salvation Army Food Pantry.  Items included not only food, but also personal hygiene items like soap, deodorant, body wash, etc.  Over 325 items were collected to help stock their shelves.

M-O Federal Credit Union is proud to partner with other credit unions in the Central Chapter for this project!

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At M-O FCU, we believe in supporting our local community and are proud to have donated to a local Boy Scout troop through our jean week program.  It's a great way for our staff to give back while also enjoying a more relaxed dress code.

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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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