Woman and man going over financial information at a table.

We put our
members first

Our members and their needs are our first priority.

Personal Loans

New & Used Vehicle Loans

Whether you need a more reliable mode of transportation, have a child preparing for college, or you simply want a change, we provide loans for both new and used vehicles.  Financing options are available for terms of up to seven years, depending on the year of the vehicle.  We can finance up to 95% of the vehicle's purchase price based on either its MSRP or NADA value.  The interest rate of the loan is determined by the member's beacon score, the year of the vehicle, and the length of the loan.  

Recreational Vehicle Loan

In addition to traditional vehicle loans for cars, pickups, SUVs, crossovers, and more, we also offer financing for recreational vehicles.  These may include: 

  • Boats
  • Campers
  • Snowmobiles
  • ATVs
  • Motorcycles
  • Jet Skis
  • Horse trailers
  • Toy haulers
  • And more

In addition to our excellent loan products, we provide our members with loan protection options and auto insurance.  For more information on these and other offerings, please visit our Insurance page.

Visa Credit Cards

M-O FCU offers Visa credit cards with no annual fee, a 25-day grace period, and a fixed annual rate of 12.9% APR.  For inquiries or to apply, call (605) 353-9977 or visit us in person.

Online AccessFor your convenience, you can access your account 24/7.  This allows you to view your balance, check current transactions and authorizations, and much more.  You can also set up alerts to be sent via text message or email, notifying you of:
- Payments due dates
- Availability of 
statements
- Balances or transactions exceeding a specified dollar amount
- And much more! 

Discover all these features and more by visiting EZCardInfo.com.

Payments:  There are several convenient ways to make payments toward your M-O FCU Credit Card:

  • Payment Stub - Use the payment stub included with your statement to either drop off or mail in your payment.
  • Online & Mobile Banking - With Online and Mobile Banking, you can easily transfer funds directly from your savings and/or checking account to your credit card.
  • Phone Call - Simply give us a call, and we'll make a payment transfer from your account.  
  • Monthly Automatics - Sign up for automatic payments on the 20th of each month.  You can choose to set the payment to be the same amount every month (the preferred method), the minimum amount due, or to pay off the card in full every month.
  • EZCardInfo.com - You can make a one-time payment or set up recurring payments.  To do this, you'll need to establish a payment account using your savings or checking account information, whether it's an M-O FCU account or one from a different financial institution. 

Card Suite Lite:  Take control of your finances and know where your money is going with Card Suite Lite, a mobile app designed to give you control over how, when, and where your credit card is being used.  This app even allows you to turn your card ON or OFF, making it a straightforward way to manage and monitor your payment transactions. 

Receive real-time notifications whenever Visa detects a purchase that meets your chosen criteria.  Some alert triggers include:

  • Reaching a specified purchase amount
  • International transactions
  • Purchases made outside your designated spending area
  • Online or phone purchases
  • Processing of a credit on your card
  • Instances when a purchase is declined

For more information about Card Suite Lite, click here.  Please note that Card Suite Lite replaces SecurLOCK Equip, which replaced Visa Purchase Alerts 

Travel NotesTravel Notes enable you to use your card while traveling with minimal disruptions.  If you don't place Travel Notes on your card, our fraud monitoring service may flag your transactions, as any activity outside your usual spending area could be perceived as fraudulent.  To prevent this issue, please contact us prior to your trip.

Lost / StolenCall 1-605-353-9977.  For after-hours assistance, dial 1-800-991-4964.

Disclosure:  click here for our credit card disclosure.

Signature Loans

A signature loan is a personal loan that relies solely on your signature and your promise to repay. You can borrow up to $5,000 for almost any purpose.  You have the flexibility to choose the length of the loan ranging from 12 to 48 months, along with the payment amount and frequency.  When it comes to making payments you have options: 

  • Payroll allotment
  • Automatic payments from your savings or checking account
  • Online transfers via Online & Mobile Banking
  • Mailing a check
  • Visiting in person with cash or a check. 

Additionally, there are no penalties for paying off the loan early.  

Spring & Holiday Loan Specials

The Spring Loan Special is available exclusively during April and May, while the Holiday Loan Special is available only in November, December, and January.  You can borrow up to $3,000 with terms ranging from 1 to 36 months.  Use the funds for various purposes, such as:

  • Family vacation
  • Landscaping project
  • New patio furniture
  • Paying down high-interest credit card debt
  • Buying gifts
  • Hosting a large family feast

Whether during the spring or holiday season, we've got you covered!

Share / Certificate Secured Loan

A share or certificate secured loan enables you to borrow funds against the value of your savings account, share certificate, or money market.  This allows you to keep your money where you have it, and offers you a lower interest rate compared to a signature loan.  The interest rate is set at 2.5% above the rate being earned on the savings or share certificate you are using as collateral. 

Line of Credit

A Line of Credit is a loan that allows you to continuously add funds, up to a limit of $5,000, as needed.  It works similar to overdraft protection, enabling you to borrow against the loan when needed, repay the amount, and then borrow again if or when necessary. 

Life Event Loans

At M-O FCU, we understand that life can be unpredictable, which is why we offer the opportunity to borrow funds for whatever challenges or joys may come your way.  Whether you need financing for a vacation, medical expenses, wedding or honeymoon costs, adoption expenses, legal fees, or much more, we're here to help.  If you find yourself in need of funds, don't hesitate to ask a loan officer today!

Disclosure:  click here 

Private Student Loans

If scholarships and federal grants/loans don't cover your college expenses, consider our private student loan.

Qualifying Advances:

  • Tuition
  • Books
  • Equipment
  • Housing Expenses
  • Food Expenses

Loan Features:

  • Interest only payments (minimum of $30)
  • 2 loan advances per year
  • 10 Year Term - loan balance up to $25,000
  • 15 Year Term - loan balance over $25,000, not to exceed $50,000

Plan Ahead:  The application and disbursement process for a private student loan takes several weeks from start to finish.

* Rate reductions available for:  automatic payment, an active M-O FCU checking, and/or an active M-O FCU debit card.  Principal and interest payment is deferred until six months after completion of school, or when the student status is no longer full-time.

Education Savings Account:  refer to the IRA page for information on our Coverdell Education Savings Account.  Click here to visit that page.

Computer Loans

M-O FCU offers financing for the full cost of a new computer purchase at a low interest rate.  If you require a new computer or software, speak with a loan officer about a computer loan.  If you've made a purchase within the last 90 days, simply bring us your receipt and we'll lend you the amount of your purchase.  This is available to everyone, NOT just for students - anyone can apply for a computer loan.

Calculators

Member Benefits

Back-to-School Loan Specials

  • Vehicle Loan Special 
  •   6.25% for 65 months
  • Signature Loan Special
  •   7.25% for 15 months

* 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.