Newsletter | Calendar | M-O FCU Rates | Privacy Policy

Our History

Serving Federal and Postal Employees and Their Families Since 1950 M-O Federal Credit Union was founded in 1950. M-O began with only 50 members and now serves over 1950 members. M-O has grown to almost $25 Million in assets. M-O stands for Missouri-Oahe, however our official chartered name is M-O Federal Credit Union.

Mission Statement

M-O Federal Credit Union is dedicated to providing competitive financial products and services to meet our member needs.

Credit Union Advantage

A credit union is a not-for-profit financial organization owned and operated by its members for the benefit of all who belong.  Credit unions are governed by a Board of Directors.  All officers are volunteers, elected by the members.  The credit union concept is a simple one – members pool their savings and then make low-interest loans to each other.  As not-for-profit financial service cooperatives, credit unions return earnings to their members in higher savings rates, better services, and lower borrowing rates.

M-O’s main purpose is to provide financial services to our members in a pleasant and friendly atmosphere.  We pride ourselves in the personalized service you receive at your member-owned financial institution.  Upon joining M-O, you become a member-owner.  Your membership makes you eligible to utilize our full range of financial services.  You may also take part in the election of officers and can hold an office yourself.


M-O Federal Credit Union’s primary membership base is government and postal employees who work in or are supervised from Beadle County, South Dakota.  Our membership also extends to the following:

Membership is open to anyone who meets any of these requirements and their family members, any relative either natural or through marriage.  Once you join, you are always a member, even if you move away.

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Privacy Policy

M-O Federal Credit Union, your member owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals.  We are equally committed to protecting the privacy of our members.  Under federal law, we are required to give you this privacy notice.  It describes our credit union’s privacy policy and practices concerning the personal information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.

If after reading this notice you have questions, please contact us at (800) 422-9040. 

Information We Collect About You
We collect nonpublic personal information about you from the following sources:

We may disclose all of the information we collect, as described above, as permitted by law.

Parties Who Receive Information From Us

We may disclose nonpublic personal information about you to the following types of third parties:

Disclosure of Information to Parties That Provide Services to Us

In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements so that we may provide members competitive products and services.  We may also disclose nonpublic personal information about you under circumstances as permitted or required by law.  These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide.  We do not permit these companies to sell the information we provide to other third parties.

Disclosure of Information About Former Members

If you terminate your membership with M-O FCU, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

What Members Can Do To Help

M-O Federal Credit Union is committed to protecting the privacy of its members.  Members can help by following these simple guidelines:

Let us know if you have questions.  Please do not hesitate to call us – we are here to serve you!

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Mobile Deposit User Agreement

Electronic Funds Transfer Agreement

Truth-in-Savings Disclosure

Account Opening Procedures

Funds Availability Disclosure

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