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We put our
members first

Our members and their needs are our first priority.

Loan Services

Payroll Allotment

Payroll allotment is a specific amount of money automatically deducted from your paycheck and electronically transferred for a specific purpose:  add to your savings or checking, pay a loan, etc.  You have the ability to make loan payments without even having to think about it, so you never have to worry about remembering to make a payment or falling behind.  In order to set up payroll allotment to pay your loans your payroll date(s) must match your loan payment date(s).

In addition to allotment from an employer, funds from social security, annuities, etc. can also be used to make loan payments.  Direct deposit is required to utilize payroll deduction, but if the company you work for doesn't offer direct deposit there are other ways, such as automatic payments/transfers, to help you do many of the same tasks as payroll allotment.

Automatic Payments

Whether you have small or large loans, one loan or several, you can get them set-up for automatic payments.  In addition to the payroll allotments mentioned above, you can also set up automatic transfers from your savings or checking account.  They can be set-up to happen weekly, bi-weekly, monthly, or on a specific day, or days, of the month, regardless of when you have payroll or other allotments going into your account.

DocuSign

DocuSign allows you to sign documents electronically in a matter of just minutes!  It's safe, secure, and legally binding.  Whether you're at home, work, on-the-go, or even across the globe, DocuSign provides a professional trusted solution for completing the borrowing process with ease!

No more waiting to receive loan documents in the mail, filling them out, and then mailing them back - with DocuSign, all you need is access to a computer or mobile device with internet and email.  Signatures and documents are encrypted; therefore, you don't need to worry about your personal information being accessed by anyone other than you and M-O Federal Credit Union.  

NADA Guides

NADA (National Automobile Dealers Association) is the largest publisher of vehicle pricing, information, and tools for new and used cars, classic cars, motorcycles, boats, RVs, and manufactured homes.  National Appraisal Guides, Inc's, NADA Guides is what M-O Federal Credit Union loan officers use to determine the book value of vehicles, etc. for which you are shopping.  

This information is available to you as well - free of charge!  Simply visit www.NADAGuides.com to get a book value of any vehicle you are interested in purchasing or plan to sell.

Calculators

Member Benefits

Loan Specials

  • Back-to-School Vehicle Loan starting at 2.99% APR*
  • Home Improvement rates as low as 2.99% APR*

* annual percentage rate

View Loan Rates

Certificate Special

  • 28 Month @ 2.75% APR*

*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.