Welcome to M-O Federal Credit Union

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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


On Tuesday, May 3rd M-O FCU hosted a free Shred Event to help members dispose of unwanted documents containing confidential information.  The shredded papers were used to make recycled products!  Among these items are paper towels and tissue paper.

It was a great day as the weather was in our favor - the sun was shining and the wind wasn't blowing.

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M-O FCU recently awarded four of our members with educational scholarships at $500 each.

Kenya Bigelow is the daughter of Jim & Maria, and a 2022 graduate of Huron High School.

Hannah Hofhenke is a 2022 graduate of Iroquois High School, and the daughter of Mark & Larica.

Victoria Larson is the daughter of Mark & Tricia, and a 2022 graduate of Huron High School.

Maria Martens is a 2020 graduate of Aberdeen Central High School, and the daughter of Bill & Gayla.

These scholarships are available to all of our members - you do not have to be a graduating high school senior.  To be eligible students must be a member of M-O FCU for a minimum of one year, must be going to attend or currently attending higher education, and must turn in completed application fulfilling all requirements by the stated deadline.

Applications are available by January 1 of each year with a deadline of approximately April 1. 

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Having fun during Family Night at Campbell Park


M-O FCU sponsored Family Night in Campbell Park on Thursday, August 4th.  Staff Members Gail Broer and Tiffanie Kouf handed out Chocolate Chip Cookies on honor of National Chocolate Chip Cookie Day!

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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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