Credit union · NCUA insured
M-O Federal Credit Union
A $41.4M credit union headquartered in Huron, SD, with 1,759 members and 1 branch in South Dakota. Best rates: CDs 4.04% and savings 0.35% APY.
M-O Federal Credit Union Carrot Score
73
Carrot Score
Higher than 35% of U.S. banks and credit unions
#2 of 4 in Huron, SD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About M-O Federal Credit Union
Chartered in 1950 in Huron, South Dakota, M-O Federal Credit Union is a member-owned institution named for Missouri-Oahe.
After moving to the Federal Building in 1977, the credit union established and subsequently acquired its 18th & Dakota Avenue facility.
- Headquarters
- 1730 Dakota Ave S, Huron, SD 57350
- NCUA charter
- 7020
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- All county agricultural agencies who work in or are supervised from Beadle County, SD are eligible for membership.
- Government and postal employees who work in or are supervised from Beadle County, South Dakota are eligible for membership.
- Persons retired receiving a pension or annuity from the qualifying employment are eligible for membership.
- Entities under contract with the United States Government who work in or are supervised from Beadle County, SD are eligible for membership.
Family and household
- Immediate and extended family members (any relative natural or through marriage/adoption, including spouse, child/stepchild, sibling/stepsibling, parent/stepparent, grandparent, grandchild, and in-laws) of members are eligible to join.
- Persons living in the household/same residence maintaining a single economic unit with an eligible member are eligible to join.
1 more way to join
Other ways
- Organizations of such eligible persons are eligible for membership.
Branches
1 branch in South Dakota
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South Dakota
1 branch
- M-O Federal Credit UnionMain office1730 Dakota Ave S, Huron, SD 57350Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.12% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.30% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.14% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $63 | $59 | — |
- CapitalNet worth ratio14.12%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.30%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.14%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$63Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of M-O Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.