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We put our
members first

Our members and their needs are our first priority.


A share account is what we call a savings account in the credit union - it is the basis for your membership and what makes you a member-owner of the credit union.  M-O FCU requires a minimum $25 in a savings account to become a member.  Your membership makes you eligible to utilize our full range of financial services.

Pee Wee Penguin Young Saver's Club

The Pee Wee Penguin and Friends Young Saver's Club is designed to help youth learn about saving money and smart spending habits.  This program is filled with financial literacy opportunities, as well as other fun activities for children in kindergarten through sixth grade.  All youth accounts 12 years of age and younger are automatically enrolled in this fun club!  This allows our young members to receive quarterly newsletters / activity pages, a National Credit Union Youth Month celebration (held the month of April), share certificates with a lower minimum balance, and more!

M-Oney Matters Teen Club

Hit the Road financial game logoThis club is just for our teens and their financial needs!  All youth ages 13-19 are automatically enrolled!  M-Oney Matters Teen Club members can take out share certificates with a lower minimum balance, a small loan (to start establishing good credit), ATM/debit cards, credit cards, etc..

* Pee Wee Penguin members are automatically switched from the Pee Wee Club to the Teen Club upon their 13th birthday.


Credit Union Youth Month

M-O Federal Credit Union celebrates Credit Union Youth Month each April for all members 19 years and younger.  Youth Month is designed to teach youth about smart money habits and saving to have a bright financial future.  

Click here for more information on the 2024 Youth Month Celebration happening April 1-30.

Christmas Club Accounts

rolled cookie dough with cookie cutterGifts can be expensive, but don't forget about the money spent on food, decorations, travel expenses, donations, and party supplies as well.  Shopping for the holidays can be stressful, but M-O FCU can help!  Be ready to do your Christmas shopping by putting funds aside throughout the year.  Set a goal - think about what you spent last year.  By setting aside a little from each payroll, it will hopefully help ease the financial burden and make the Holiday season more enjoyable!  Consider automatic payroll deduction to make reaching that amount easier. 

Funds in the Christmas Club account are available from October 1 - December 31.  There is a minimum balance of $5 and a maximum of $2,000.  A $10 fee will be charged for any withdrawal done prior to October 1 (except in the case of a hardship).

Life Event Savings

husband and wife with childIf anything in life is certain, it's that things are always changing.  Every stage of life is a unique situation and may require planning, and substantial savings.  To help make sure you are ready for each of these stages of life we suggest opening a 'Life Event Savings' or secondary savings.  These are special savings accounts are attached to your regular account, but allow you to save for specific purposes.  You have the freedom to name the account whatever you would like, so save for whatever you want or need.  A few examples may include:

  • Vacation - Save for any destination; a white sandy beach, a tour around a foreign country, an ocean cruse, a trip across state to the State Fair, or wherever you desire.
  • College - Easily save for tuition, books, housing, etc. (You may also want to consider a Coverdell Education Savings which is an educational IRA).
  • Vehicle - Save up for a new set of wheels or make repairs to your current ride.
  • Wedding/Honeymoon - Because when you or your child is getting married, the last thing you want to do is worry about money.  Save in advance to help make this an exciting and happy event.
  • Home - Whether you're saving to buy your first home, make improvements to your current, or set aside money for tax or insurance payments, this savings can help you keep track of those funds.

Money Market Accounts

If you are looking for an investment option with some flexibility, but one that still has a higher rate of return, a Money Market share account may be the answer.  The Money Market account allows more flexibility than a share certificate as you are able to withdraw funds from it.  The account can be started anytime by simply contacting either of our locations to open the Money Market share suffix.  Deposits can be made by payroll deduction and/or deposits of cash or check in person or by mail.

Dividends:  Dividends are paid quarterly on the account on the last day of each quarter.  The dividend rate is established by the Board of Directors, and are paid on the average daily balance based on specific tiered balances.

Minimum Balance:  The minimum balance required in the Money Market account is $10,000.  If the average daily balance should fall below $10,000 for the quarter, the regular share dividend rate will be paid. 

Withdrawals:  The Money Market is not a transactional account, and therefore are two criteria for withdrawals.  There is a  minimum withdrawal amount of $250, and there are a maximum of four withdrawals per month.  A $10 fee will be assessed to any withdrawal after the four allotted.


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Member Benefits

Loan Specials

  • RV Loan Special 7.74% with NO payments for 90 days!

* annual percentage rate

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Certificate Special

  • no current special

*annual percentage rate

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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.