Overview / Commentary
1730 Dakota Ave S
Huron, SD 57350

M-O Federal Credit Union is headquartered in Huron and is the 17th largest credit union in the state of South Dakota. It is also the 3,030th largest credit union in the nation. It was established in 1950 and as of September of 2018, it had grown to 6 employees and 2,044 members at 2 locations. M-O Federal Credit Union's CD rates are 78% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to all county agricultural agencies or entities under contract with the United States Government who work in or are supervised from Beadle County, South Dakota.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. M-O Federal Credit Union has a low asset base.

Health Grade Components

NCUA #7020
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD4.33%
Annual Interest Income$652.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$27.0MM$25.7MM
LoansQ3 2018vs Q3 2017$19.8MM$17.8MM
DepositsQ3 2018vs Q3 2017$22.7MM$22.0MM
Equity CapitalQ3 2018vs Q3 2017$3.8MM$3.6MM
Loan Loss AllowanceQ3 2018vs Q3 2017$72.00K$63.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$39.00K$47.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

M-O Federal Credit Union Savings Account Rates

0.25%--IRA Shares
0.15%$25- Regular Savings
0.15%-- Secondary Savings
0.15%-- Christmas Club

M-O Federal Credit Union Money Market Rates

0.25%*$90k*- Money Market Accounts
OTHER TIERS: 0.15% $10k - $50k | 0.20% $50k - $90k

M-O Federal Credit Union Checking Account Rates

0.05%--Checking Account

M-O Federal Credit Union CD Rates

2.76%$1k-28 Month CD Special
2.26%$1k-5 Year CD
2.16%$1k-4 Year CD
2.01%$1k-3 Year CD
1.85%$1k-2 Year CD
1.70%$1k-18 Month CD
1.60%$1k-12 Month CD
1.00%$1k-6 Month CD

M-O Federal Credit Union IRA Rates

2.00%$1k-24 Month IRA
1.00%$1k-12 Month IRA

M-O Federal Credit Union Locations
Branch Office1730 Dakota Ave SHuron, SD 57350
Branch Office200 4th St SWHuron, SD 57350

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