Woman and man going over financial information at a table.

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!

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

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

$3,000 maximum

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 on applicable loans/terms*:

  • 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


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.