Woman and man going over financial information at a table.

We put our
members first

Our members and their needs are our first priority.


Membership Eligibility

M-O Federal Credit Union's primary membership basis is government and postal employees who work in or are supervised from Beadle County, South Dakota.  Our membership also extends to the following:

  • Entities under contract with the United States Government who work in or are supervised from Beadle County, SD
  • All county agricultural agencies who work in or are supervised from Beadle County, SD
  • Persons retired receiving a pension or annuity from the above employment
  • Members of your immediate family
  • Organizations of such persons

What's even better?  All your family members are eligibly to join M-O FCU too!  To us, 'family' includes any relative, either natural or through marriage/adoption.  So whether they were born into your family, or they joined your family, they qualify for membership as well.  These individuals include:

  • Spouse
  • Child / Stepchild
  • Sibling / Stepsibling
  • Parent / Stepparent
  • Grandparent
  • Grandchild
  • In-Laws
  • Individuals living in the same residence 

Your in-laws are eligible too which opens up membership eligibility at M-O FCU to your whole extended family!  In addition to family members, any persons living in the same residence maintaining a single economic unit is eligible to join.  So if you live with someone, but are not married, that individual can open an account as well.

Upon joining M-O FCU, you become a member-owner. Your membership makes you eligible to utilize our full range of financial services. You may also take part in the election of officers and can hold an office yourself. Once you join, you are always a member, even if you no longer work for the Federal government or postal system and/or you move away.

The Credit Union Difference

A credit union is a not-for-profit financial organization owned and operated by its members for the benefit of all who belong. Credit unions are governed by a volunteer Board of Directors, elected by the members. The credit union concept is a simple one - members pool their savings and then make low-interest loans to each other. As not-for-profit financial service cooperatives, credit unions return earnings to their members in higher savings rates, better services, and lower borrowing rates.

M-O FCU's main purpose is to provide financial services to our members in a pleasant and friendly atmosphere. We pride ourselves in the personalized service you receive at your member-owned financial institution.


Click the links below to access M-O FCU's newsletters.

March / April 2024

January / February 2024

November / December 2023

September / October 2023

July / August 2023 


Member Benefits

Loan Specials

  • RV Loan Special available!  NO Payments for 90 days!

* annual percentage rate

View Loan Rates

Certificate Specials

  • no special at this time

*annual percentage rate

View CD Rates

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.