Credit union · NCUA insured
M-O Federal Credit Union Savings Rates
M-O Federal Credit Union’s best savings rate is 0.35% APY on $10,000, with its MONEY MARKET. Rates checked October 22, 2026.
How M-O Federal Credit Union’s savings 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
0.35%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $35
MONEY MARKET
Top rate
American Bank & Trust
1.00%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $100
2nd-highest rate
BMO
0.80%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $80
M-O Federal Credit Union savings score
73
Savings score
Higher than 35% of U.S. banks and credit unions
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.35%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
MONEY MARKET
Up to 0.35%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
| $10,000 and up | 0.35% | $35 |
| $25,000 and up | 0.55% | — |
| $50,000 and up | 0.75% | — |
| $90,000 and up | 1.00% | — |
Sources (1)
- m-ofcu.com/rates-fees · captured Sep 19, 2026
Secondary Shares
0.10%APY
Special secondary savings account linked to main account dedicated to specific goals (e.g., vacation, vehicle, wedding/honeymoon, home).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Special-purpose accounts
Roth IRA
0.25%APY
IRA share (savings) account. Subject to IRS eligibility and contribution limits. Traditional, Roth, and Educational IRAs (Coverdell ESA) available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.25% | $25 |
Christmas Club
0.10%APY
Funds accessible October 1 to December 31 each year. A $10 fee applies for withdrawals made prior to October 1 unless due to hardship. Maximum balance limit is $2,000.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Funds accessible from October 1 to December 31; $10 fee for early withdrawal prior to October 1 unless due to hardship.Up to $2,000 | 0.10% | — | Funds accessible from October 1 to December 31; $10 fee for early withdrawal prior to October 1 unless due to hardship. |
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.