Woman and man going over financial information at a table.

We put our
members first

Our members and their needs are our first priority.


Loans from credit unions can be among the most competitive loans available.  So if you need to borrow money, please consider M-O Federal Credit Union.  We like to keep the overall cost of borrowing to a minimum, so we'll offer you low rates and low fees.

We offer a variety of loan products including:  auto loans, mortgages, credit cards, signature loans, student loans, overdraft protection, etc.  We also have a variety of loan services - we invite you to explore your options.

Skip-A-Payment:  Currently we are offering our members the chance to skip their loan payments.  This is the perfect way to have access to a little extra cash during the holiday season.  Click here for the form.


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

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.