Woman and man going over financial information at a table.

We put our
members first

Our members and their needs are our first priority.

Contact Us

1-605-353-9977

For Hours, click here.

Invalid Submission Values

    Example: (###)###-####

    Example: janedoe@fakeemail.com

    Calculators

    Member Benefits

    Loan Specials

    • Holiday Loan Special (until January 31, 2025)

    * annual percentage rate

    View Loan Rates

    Certificate Specials

    • no special 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.