Welcome to M-O Federal Credit Union

RV Loan Special

Enjoy the possibilities!

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


Read More


M-O Federal Credit Union is a member of the SD Central Chapter of Credit Unions which was recently honored with the Chapter of the Year Award by the Dakota Credit Union Association!

This award acknowledges the Central Chapter's strong commitment to the credit union philosophy of "people helping people" through volunteer work, community service events and fundraisers, providing ongoing education for credit union staff, hundreds of volunteer hours, and supporting the Credit Union Movement.

Read More


YOU'RE INVITED to our Double Celebration on Thursday, June 27th, 2024!

  • Retirement Party for Deanna Decker from 2-4pm.
  • Annual Meeting held at 4pm.
  • Scotty D's Food Truck will be set up in our parking lot from 4:30-7:30pm.
  • Members will receive a $10 food voucher.
  • Fresh popcorn will be served throughout the day.
  • Members spin the Prize Wheel for a chance to win cash & fun prizes.

* One food voucher per member - must be present to claim.  Popcorn & Prizes are while supplies last.

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