Woman and man going over financial information at a table.

We put our
members first

Our members and their needs are our first priority.

About Us

If you've never used a credit union before, you may not know much about us.  Although there are plenty of similarities, we are not the same as a bank.  The main difference is ownership - credit unions are not-for-profit cooperatives owned by our members.  Our goal is to provide financial services to our member-owners.  This is what drives our loan rates to be lower and our savings rates to be a little bit higher. 

Our Mission Statement:  M-O Federal Credit Union is dedicated to providing competitive financial products and services to meet our member's needs.

Access by APPOINTMENT ONLY - please call 353-9977 to schedule. 
Teller transactions must be done through the drive up window until further notice.  Thank you in helping us slow, and eventually stop, the spread of COVID-19!

Hours of Operation:

18th & Dakota Drive-Thru Hours:
Monday-Thursday:  8am to 5:30pm
Friday:  8am to 6pm
Saturday:  9am to 12pm

18th & Dakota Lobby Hours:
Monday - Friday:  8am to 5pm

Huron Federal Building Hours:  ~ CURRENTLY CLOSED ~
Monday - Thursday:  8am to 11am

* We are closed on the following holidays:  New Year's Day, Martin Luther King Jr. Day, President's Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veteran's Day, Thanksgiving Day, Christmas Eve (closed early), and Christmas Day.


Member Benefits

Loan Specials

  • Auto & RV @ 1.70% for 47 months
  • Auto & RV @ 2.70% for 70 months

* annual percentage rate

View Loan Rates

Certificate Specials

  • No specials at this time

*annual percentage rate

View CD Rates

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.