Credit union · NCUA insured
M-O Federal Credit Union CD Rates
M-O Federal Credit Union’s best CD rate is 4.04% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How M-O Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Huron, SD, where M-O Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
M-O Federal Credit Union
4.04%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $404
Share Certificate
Top rate
Dakotaland Federal Credit Union
5.00%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $205
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
M-O Federal Credit Union CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo3.79%
- 9–15 months9–15 mo4.04%
- 16–30 months16–30 mo3.84%
- 31–60 months31–60 mo3.02%
- QualifiedQualified4.04%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where M-O Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.04%APY · 7 terms
Fixed maturity date savings certificate earning a fixed rate. Automatically renews for the same term with a 10-day grace period following the renewal date. Substantial penalty imposed for withdrawals before maturity date (terms less than 1 year: 180 days dividends; terms 1 year or more: 365 days dividends). Penalty does not apply to early withdrawal due to death of an owner.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.79% | $188 |
| 12 months | 4.04% | $404 |
| 18 months | 3.84% | $581 |
| 24 months | 3.28% | $667 |
| 36 months | 3.02% | $934 |
| 48 months | 3.02% | $1,264 |
| 60 months | 3.02% | $1,604 |
Special-purpose accounts
IRA Share Certificate
Up to 4.04%APY · 2 terms
Must have an IRA suffix/account under your account. Available for terms of 12 months or 24 months. Automatically renews for the same term with a 10-day grace period following the renewal date. Early withdrawal penalty applies (terms less than 1 year: 180 days dividends; terms 1 year or more: 365 days dividends, and interest reduced to current share dividend rate for excess days); penalty does not apply to early withdrawal due to death of an owner.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.04% | $404 |
| 24 months | 3.28% | $667 |
Sources (3)
All captured Oct 4, 2026
Who can join M-O Federal Credit Union
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.
Membership information collected October 4, 2026.