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We put our
members first

Our members and their needs are our first priority.

Rates & Fees

RV Loan Special:  7.74% up to 96 months. NO Payments for 90 Days!

See notes below on how you could receive up to a 1% discount off posted rates.

 

Effective Date:  August 2023 Rates as low As:
   
Auto Loans           
          6.65%      
 
      
   
Signature Loans
       
$5,000 maximum
      9.85%
   
 
      

 
Loan Special
Spring (April - May)   Holiday (Nov-Jan)
$3,000 maximum
      8.98%
   
           
Computer Loan

$3,000 maximum
      6.40%
   

Lending rates are based on type/age of collateral, loan term and credit history (M-O FCU utilizes Equifax Credit Report to obtain credit score).  M-O FCU offers a .25% rate reduction (1% maximum) for each of the qualifying services* listed below:

  • Active Checking
  • Active M-O FCU Visa Credit Card
  • Automatic payment or payroll deduction
  • Mortgage with M-O FCU
  • Credit Life or Credit Disability
  • Receive E*Statements
  • Other M-O FCU accounts with $5,000 or greater balance
  • First loan with M-O FCU
  • Purchase Route 66 Warranty, may extend loan term up to 8 months, not to exceed 84 months

* some rates may require automatic payment, and/or do not qualify for other discounts.
All above rates are APR (Annual Percentage Rate)

 

Saving / Share Certificate Rates

  APR  APY Minimum
Regular Savings 0.10% 0.10% $25.00
Secondary Savings 0.10% 0.10% N/A
Christmas Club 0.10% 0.10% $5.00
Checking Accounts 0.05% 0.05% N/A
       
Money Market Accounts      
$10,000-$24,999.99 0.35% 0.35% $10,000
$25,000-$49,999.99 0.55%  0.55% $25,000
$50,000-$89,999.99 0.75% 0.75% $50,000
$90,000.00 & over 1.00% 1.00% $90,000
       
Share Certificates      
6 Month Certificate 5.00% 5.06% $1,000
12 Month Certificate 4.65% 4.70% $1,000
18 Month Certificate 3.75% 3.78% $1,000
2 Year Certificate 3.75% 3.78% $1,000
3 Year Certificate 3.00% 3.02% $1,000
4 Year Certificate 3.00% 3.02% $1,000
5 Year Certificate 3.00% 3.02% $1,000
       
Individual Retirement Accounts      
IRA Shares 0.25% 0.25% N/A
12 Month IRA Certificate 4.65% 4.70% $1,000
24 Month IRA Certificate 3.75% 3.78% $1,000

 

APR:  Annual Percentage Rate

APY:  Annual Percentage Yield

 

Rates current as of:  8/15/2023

Overdraft Charges Fee Amount
Overdraft Fee $25.00
Overdraft Transfer Fee $5.00
Consecutive NSF Days $3/day (after 7 days)
Debit/Credit Card Fees Fee Amount
Replacement ATM/Debit Card $10.00
Replacement Credit Card $10.00
Debit Card PIN Reminder $5.00
Wire Transfers Fee Amount
Incoming Domestic Wire $10.00
Outgoing Domestic Wire $25.00

 

For a full list of fees please review the attached Schedule of Fees

Calculators

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

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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
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Because Life Happens
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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.