Welcome to M-O Federal Credit Union

October 15-18

Find out more

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.

Living the Dream at M-O FCU


Congratulations to the following members who were each awarded a $500 M-O FCU educational scholarship. 

Sylvia Kattner is the daughter of Linc and Kristi Kattner, and a 2019 graduate of Huron High School.  She will attend South Dakota State University, in Brookings, SD for a Music Education degree.

Seth Martens is the son of Bill and Gayla Martens.  He graduated from Aberdeen Central High School in 2019.  He will pursue a Computer Aided Design degree at Western Dakota Tech in Rapid City this fall.

Read More


The SD Central Chapter of Credit Unions, which M-O FCU is a member of, participated in National Night Out on Tuesday, August 6th.  Staff members Gail Broer and Tiffanie Kouf volunteered during this popular community event. 

They handed out financial literacy packets to youth which contained coloring and activity books, titled "A Trip to the Credit Union," crayons, and a Central Chapter brochure.

National Night Out is a national community-building campaign that promotes police-community partnerships.  It enhances the relationship between neighbors and law enforcement while bringing back a true sense of community.  The event also provides a great opportunity to bring police and neighbors together under a positive circumstance.

Participation in this event was made possible due to a grant provided by the Credit Union Foundation of the Dakotas.

Read More


Staff members Jeanie King and Tiffanie Kouf participated in the United Way's Day of Caring on Tuesday, August 13th.

They started the afternoon at a Habitat for Humanity house putting some finishing touches on exterior paint and cleaning up the property.  Later, they moved to the South Dakota State Fair fairgrounds and helped pull weeds from the exterior fence.

Read More

None 2


In Spring 2018 we held a Shred Event which allowed members to securely dispose of any documents that contained confidential information.  While the line was too busy to keep track of the number of vehicles that came through, we were very pleased with the turnout and happy to help so many members out with their shredding, and fraud prevention needs.  A total of 4,284 pounds of paper was collected and shredded to be turned into recycled products such as paper towels and tissue paper.  Thank you to everyone who supported this event!


Read More



Members of the South Dakota Central Chapter of Credit Unions gathered to present People's Transit of Huron with a monetary donation.  The Chapter raised the funds by holding 50/50 drawings at each of their monthly meetings/training sessions.  M-O FCU employees present for the donation were Tiffanie Kouf (Chapter President) and Gail Broer.


Read More


Thank you to everyone who stopped by to participate in our Halloween Open House - it was a great success because of you!  We loved seeing the youth and their parents dressed in their costumes!  In addition to the traditional Trick-or-Treating, youth were also invited to 'pick' a mini pumpkin or gourd to take home.

Read More