--- title: "M O Credit Union Rates - South Dakota" description: "Current auto loan, personal loan, credit card, and savings & cd rates from M O Credit Union in South Dakota. Updated daily with source verification. See who can join M O Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/south-dakota/m-o" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # M O Credit Union Rates - South Dakota ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 6.150% | — | Standard | M O Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Signature Loan** personal_unsecured | — APR | 8.850% | — | Standard | M O Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 12.900% | — | Standard | M O Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Savings** savings | — APY | 2.50% | — | Standard | M O Credit Union savings & cd rates as of November 13, 2026 M O Credit Union is a credit union in South Dakota. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/south-dakota/m-o) , verified from [M O Credit Union's official website](https://m-ofcu.com/) Loading branch locator… ## About M O Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.8K Assets $41.4M Founded 1950 Locations reported 1 NCUA charter 7020 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Dakotaland** Administration Center · Huron · SD · 57350 Branch in the same ZIP](https://rateapi.dev/credit-unions/south-dakota/dakotaland) [**Dakota Rail Line** DAKOTA RAIL LINE MAIN BRANCH · HURON · SD · 57350-1614 About 1.6 miles away](https://rateapi.dev/credit-unions/south-dakota/dakota-rail-line) [**HB Telco** HB Telco Federal Credit Union · Huron · SD · 57350-1945 About 2.2 miles away](https://rateapi.dev/credit-unions/south-dakota/hb-telco) [**Huron Area Education** HAEFCU OFFICE · HURON · SD · 57350-6582 About 3.6 miles away](https://rateapi.dev/credit-unions/south-dakota/huron-area-education) [**East River** East River FCU · Madison · SD · 57042-2916 About 60.3 miles away](https://rateapi.dev/credit-unions/south-dakota/east-river) [**Area** Watertown Temporary Branch · Watertown · SD · 57201 About 63.9 miles away](https://rateapi.dev/credit-unions/south-dakota/area) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join M O Credit Union Membership eligibility from M O Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on M O Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [M O Credit Union's membership page](https://forms.joinmycu.com/mop/398/newmember/promotional) . Final membership determination is always made by the credit union. ## Work at M O Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where M O Credit Union ranks against South Dakota peers. - See which AI assistants fetched M O Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in South Dakota - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=m-o&state=south-dakota&code=SD&name=M%20O%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does M O Credit Union offer? M O Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are M O Credit Union rates updated? RateAPI verifies M O Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get M O Credit Union's rate data? Rate data is collected directly from M O Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join M O Credit Union? M O Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare M O Credit Union's rates against national credit-union benchmarks. [More South Dakota credit unions](https://rateapi.dev/credit-unions/south-dakota) [South Dakota auto loan rate leaders](https://rateapi.dev/auto-loan-rates/south-dakota) [South Dakota personal loan leaders](https://rateapi.dev/personal-loan-rates/south-dakota) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://m-ofcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track M O Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when South Dakota credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for M O Credit Union curl "https://api.rateapi.dev/credit-unions/south-dakota /m-o " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## M O Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/south-dakota/m-o Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp