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We put our
members first

Our members and their needs are our first priority.


With Member's Choice Credit Life and/or Credit Disability Insurance, they may help you pay your loan so you or your loved ones don't have to.  The premium for each of the different loan types is included in your monthly loan payment, so you won't receive separate bills or statements.  Coverage is immediate for eligible borrowers and can be cancelled at any time if you change your mind.

Credit Life Insurance

Credit Life Insurance is there to help you and your family in the event of a crisis.  If you have a balance on your loan at the time of your death, accidental dismemberment, or certified diagnosis of a terminal illness, Credit Life Insurance may help pay off or reduce the eligible loan balance.  This means you or your family members may not have to make loan payments and can use savings, salary, or other life insurance for other important things besides paying on a vehicle loan.

Credit Disability Insurance

Credit Disability Insurance is very similar to Credit Life Insurance, in that it helps you pay off or pay down your loan.  If you have a balance on your loan at the time of your total disability, Credit Disability Insurance may make your loan payments up to policy maximum.

As a member of M-O FCU, you have the chance to save money on your home and auto insurance.  You trust M-O FCU to provide value, we in turn endorse TruStage insurance products and services, which are made available exclusively to credit union members.

Home Insurance

Discounts include new home, smoke detectors, burglary and fire alarms, inflation protection, and multi-policies.  In addition to discounts there are also great benefits such as:  guaranteed home repairs, fast service where many claims are settled on the spot, hassle-free replacement of personal items, assistance finding temporary living (if needed).

For more information on TruStage Home Insurance call 1-888-380-9287 or visit TruStageAutoHome.com.

Auto Insurance

TruStage Auto Insurance  products come with benefits such as:  24-hour claim service (even on holidays), fast appraisals (typically within 24 hours), and guaranteed auto repairs (for as long as you own the vehicle).  Discounts include multi-car discount, anti-lock brakes, air bags, automatic seat belts, anti-theft device, and good student discount.

To compare your auto insurance to TruStage call 1-888-380-9287 or visit TruStageAutoHome.com

Life Insurance

Life insurance is an important part of a financial safety net you can provide your loved ones in the event of your passing.  Life insurance helps provide peace of mind, knowing that your beneficiaries will receive money, when they need it most, which can be used for any purpose.  It can provide cash for daily living expenses, fund your children's education, meet monthly mortgage payments, protect your loved ones' future.

TruStage Life Insurance products are designed exclusively for credit union members, to help you protect the achievements and aspirations of those who matter most in your life.  Many people already recognize the importance of life insurance, but if you're still undecided here are a few important times to consider life insurance:  marriage, birth/adoption of a child, buying/refinancing a home, planning for college expenses, divorce, and/or changing jobs.

TruStage Life Insurance, underwritten by CMFG Life Insurance Company, offers insurance plans to fit your situation and your budget.  To get a quote or sign up call 1-855-612-7909 or visit TruStageLife.com

Vehicle Loan Protection Services

VisualGAP (Guaranteed Auto Protection) covers the difference between the actual cash value received from your primary insurance company and the balance still owed on the loan, if your vehicle should be deemed a total loss or stolen.  GAP helps to clear your credit allowing you to start fresh with a new vehicle purchase.

Route 66 Warranty has the most comprehensive extended warranty coverage for all makes and models, because even the most reliable vehicle can develop a mechanical problem.

  • All plans have a $0 deductible
  • 30 day money back guarantee
  • Nationwide coverage
  • 24/7/365 Emergency Road Service with every plan
  • Plans are transferable if you sell your vehicle

Talk to one of our loan officers today for coverage details.


Accidental Death & Dismemberment Insurance

M-O Federal Credit Union has made $1,000 of TruStage Accidental Death and Dismemberment Insurance available to you, exclusively as a credit union member.  This no-cost coverage, fully paid for by M-O FCU, is underwritten by CMFG Life Insurance Company.  Your coverage is always in effect no matter if you are at home, at work, or traveling.  That's protection your family can count on!  Acceptance is guaranteed - no medical exam or health questions are required (must be 18 or older).  TruStage AD&D insurance is also available in a family protection plan. 

This can be a valuable and affordable supplement to life insurance and pays a cash benefit in the event of a covered injury or death due to an accident.  Your no-cost coverage may not be enough in the event of a covered accident.  Eligible members have the option of choosing from $10,000 to $300,000 additional accident insurance protection at affordable rates.  There are benefits you'll receive with additional protection such as:  exclusive cost of living benefit increases, hospital benefits, and double accidental death benefit.

To activate your no-cost insurance and/or add additional coverage visit TruStageADD.com or call toll-free 1-855-612-7910.


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
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.