Woman and man going over financial information at a table.

We put our
members first

Our members and their needs are our first priority.

Our History

M-O Federal Credit Union was chartered in 1950 in Huron, SD with just 50 members.  We now have over 2,000 members and have grown to over $26 million in assets.  M-O stands for Missouri-Oahe, however our official chartered name is M-O Federal Credit Union, M-O FCU for short.  Our first office was in the Sprague Building (which was south of the Huron Post Office).  The Credit Union moved to the Federal Building in 1977.  In 1996, we rented a portion of a building at 18th & Dakota Ave for use as a drive-up branch facility.  In 1999, we took over the entire building, and in 2004 a remodel and addition was started.  In addition to the Dakota Ave location, M-O FCU still operates an office in the Federal Building, and continues to serve the same field of membership since we were chartered in 1950. 

The top picture is what the building at 18th & Dakota Ave looked like when the Credit Union first moved in.  The picture below is after the addition was completed in 2005.


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.

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.

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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.