M O Credit Union Huron SD | Best Auto Loans & Business Banking

Introduction

Welcome to M O Federal Credit Union, your trusted partner in financial success since 1950! Located at 1730 Dakota Ave S, Huron, SD 57350, we have proudly served our community for over seven decades. With a strong commitment to our members, we currently support 1,797 individuals and families in achieving their financial dreams. At M O Federal Credit Union, we understand that each member's journey is unique. Our dedicated team of 6 employees, led by CEO Gail Broer and Board President Ronald Russell, works diligently to provide personalized services tailored to meet your needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, we are here to guide you every step of the way. As of now, our credit union boasts total assets of $41,276,085 and total deposits of $915,338. We pride ourselves on maintaining a solid financial foundation with a net worth of $4,895,327 and cash reserves of $340,658. This stability allows us to offer competitive loans over 827 loans and leases helping our members secure the financing they need. While members can visit us at our branch location for assistance and transactions during our convenient hours Monday through Thursday from 8 AM to 5:30 PM, Friday from 8 AM to 6 PM, and Saturday from 9 AM to 12 Noon (drive-thru only) official correspondence should be sent to the same address: 1730 Dakota Ave S, Huron, SD 57350. At M O Federal Credit Union, we believe in giving back to our community while focusing on your financial well-being. Experience the difference today! Feel free to reach out via phone at 605-353-9977 or explore more about us online at m-ofcu.com. Join us in building a brighter financial future together!

Branch History & Mission

M O Federal Credit Union, established in 1950, has a rich history rooted in community service and support. Located at 1730 Dakota Ave S in Huron, South Dakota, our branch has been a cornerstone of financial stability for the local residents for over seven decades. With a strong commitment to our members, we have grown to serve a total membership of 1,797 individuals, proudly providing a range of financial services tailored to meet their needs. Our mission at M O is clear: we strive to empower our members with accessible financial solutions that foster personal growth and community development. We believe that by offering quality banking options such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services we can help our members achieve their financial goals. We see ourselves not just as a credit union but as an integral part of the Huron community, dedicated to supporting initiatives that uplift those around us. Over the years, M O has also embraced digital advancements. Our online and mobile banking options make it easier than ever for members to manage their finances on the go. While we do not currently offer ATM services at this location, our drive-thru banking allows for quick and convenient transactions right from your vehicle. M O Federal Credit Union is more than just a place to bank; it's about building relationships and trust within the community. Whether it's through partnerships with local organizations or our outreach efforts aimed at financial education, we are committed to making a positive impact in Huron and beyond. As we look forward to the future, our total assets stand at an impressive $41,276,085. This reflects our dedication not only to sound financial management but also to reinvesting in the community we serve. While members can visit us at 1730 Dakota Ave S for all their banking needs, official correspondence should be sent to the same address. Our operating hours are Monday through Thursday from 8 AM to 5:30 PM, Friday from 8 AM to 6 PM, and Saturday from 9 AM to 12 Noon (drive-up only). If you have questions or need assistance, feel free to reach out at 605-353-9977. Join us today and discover how M O Federal Credit Union can support you on your financial journey! Experience firsthand the benefits of being part of a caring community-focused institution where your financial well-being is our priority.

Branch Location & Accessibility

Accessibility Features

At M O, we believe everyone deserves easy access to their finances. Our branch is fully ADA compliant with ramps and wide doorways, allowing for smooth entry for all members. If you prefer the convenience of not leaving your vehicle, we also offer drive-thru banking services for quick deposits and withdrawals.

Connect With Us

Have questions or need assistance? Don't hesitate to give us a call at 605-353-9977. We're excited to help you achieve your financial goals. Visit us today at M O in Huron where community banking meets personal service!

Location Highlights

Our branch is situated just a short drive from local attractions, such as the historic Huron Fairgrounds and the picturesque Ravine Lake. Whether you're coming from downtown or nearby residential areas, you'll find us easily reachable. We have ample parking available right outside our doors, ensuring that your visit is hassle-free.

Operating Hours

We are here for you during convenient hours! Our lobby is open Monday through Thursday from 8 AM to 5:30 PM, Friday from 8 AM to 6 PM, and Saturday from 9 AM to 12 Noon (drive-up only). Whether you're stopping by before work or on the weekend, we're ready to assist you with all your banking needs.

Services Offered

At M O, we provide a variety of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, our team is here to guide you every step of the way. Plus, with online and mobile banking options available, managing your finances has never been easier!

Member Eligibility

At M O, we believe that everyone deserves a chance to be part of a caring community. Becoming a member is simple and welcoming. If you live, work, or attend school in the area, you're likely eligible to join us! Membership is open to individuals who share our commitment to supporting one another and growing together. By choosing M O, you'll gain access to a range of financial services tailored just for you, from checking accounts to auto loans and personal banking solutions. To get started on your membership journey, feel free to visit us at our branch located at 1730 Dakota Ave S Huron Sd 57350 or give us a call at (605) 353-9977. You can find detailed eligibility criteria by visiting our website. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $6 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,032,386, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having all the tools you need to streamline payments and enhance customer experiences right at your fingertips. Our merchant services make it easy for local businesses to accept various payment methods, ensuring that your customers have a smooth checkout experience. This not only boosts sales but also builds loyalty among your clientele. Located at 1730 Dakota Ave S Huron Sd 57350 in Huron, SD, we invite you to explore how our business banking solutions can empower your success today. For more information, give us a call at (605) 353-9977 or visit us online at https://www.m-ofcu.com.

Comprehensive List Of Services

Business Banking Services

If you're a business owner, you'll find valuable support through our business banking services. From merchant services that facilitate transactions for your customers to business loans that can help you expand, we are committed to helping local businesses thrive.

Call Us Today!

At M O, we strive to provide personalized service and support tailored to your unique financial needs. If you have any questions about our services or want assistance with opening an account, don't hesitate to call us at (605) 353-9977. Let us help you achieve your financial goals today!

Credit Cards and Rewards

For those who enjoy the benefits of using credit, our credit cards come with rewards that can enhance your purchasing power. Imagine earning points every time you shop it's like getting paid to spend!

Digital Banking Convenience

In today's fast-paced world, accessing your accounts on-the-go is essential. With our online and mobile banking features, you can manage your finances anytime, anywhere. Check balances, transfer funds, or pay bills directly from your smartphone or computer. Plus, if you prefer cash transactions, our drive-thru banking offers easy access for deposits and withdrawals without leaving your vehicle.

Personal Banking Solutions

We understand that managing your finances can be challenging, which is why we offer personal banking services designed to simplify your life. Whether you're looking for checking and savings accounts to manage your daily expenses or seeking auto loans and vehicle financing for that new car, we've got you covered. Our mortgage loans and refinancing options make homeownership attainable, while our personal loans assist with debt consolidation or unexpected expenses.

Digital & Online Banking

Key Services

Our online banking platform offers 24/7 access to your accounts, so whether you're at home or on the go, you can check balances, pay bills, and transfer funds with ease. For those who prefer using their mobile devices, our mobile application provides all the features you need right at your fingertips. You can even make mobile payments and send money directly to friends or family through our person-to-person transfer feature.

Security and Ease of Use

Security is our top priority. We use advanced technology to keep your information safe while making it easy for you to manage your accounts. With electronic signature authorization available, signing documents online is quick and straightforward. Plus, opting for e-statements not only helps reduce paper clutter but also allows you to view your financial statements securely online. At M O, we aim to provide accessible and user-friendly banking solutions that fit seamlessly into your lifestyle. Enjoy real-time account management and take control of your finances today!

Financial Strength

A Growing Member Base

Total Share and Deposit Accounts: 3,934, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, M O is your trusted partner. Visit us at 1730 Dakota Ave S Huron Sd 57350 or call (605) 353-9977 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Commitment to Growth

With $4,895,327 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $287 in used auto loans and $21,768,179 in total loans and leases.

Operational Efficiency

Our operational efficiency is reflected in our $131,839, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 5 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Opportunities

Members' savings are secured through $11,196,855 in share certificates and $894,240 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $4,895,327, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.86% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $5,245,584 in used vehicle loans and $2,105,195 in new vehicle loans already helping members get on the road. We offer both new and used vehicle loans designed to suit your budget and preferences. Plus, if you're considering refinancing your current auto loan, we can assist you in exploring eligibility options to potentially lower your monthly payments.

Commercial Loans

For business owners, our outstanding commercial loans totaling $1,032,386 provide the capital needed to grow and expand your business. We understand the unique challenges faced by entrepreneurs and are here to support you with customized loan solutions. Our team at M O is dedicated to guiding you through each step of the loan process. If you have questions or need assistance determining which loan product is right for you, don't hesitate to reach out! You can contact us at (605) 353-9977, or visit us at our branch located at 1730 Dakota Ave S Huron Sd 57350 in Huron, SD. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you navigate your financial journey with confidence!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,349,591, make buying or refinancing simple. We aim to make the process straightforward, whether you're a first-time homebuyer or looking to refinance an existing mortgage.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $143,737 in loans helping members manage their finances effectively. Our credit cards come with various benefits tailored to enhance your purchasing power while keeping your finances manageable.

Loan Aggregator

Benefits of Using LendMesh

Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. Users can trust that they are looking at real rates from reputable lenders. No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that reflect genuine market conditions. Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, LendMesh helps users stay informed about their options. This feature is crucial for making decisions that could save money over time. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the tool's effectiveness in helping individuals navigate the lending landscape confidently. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

M O FEDERAL CREDIT UNION - Huron, SD

Compare Loan Rates Near You

Loan rates in Huron, SD (57350)