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Mid Oregon Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.midoregon.com
800-452-3313
6749
Bend, OR 97708-6749

Mid Oregon Federal Credit Union is headquartered in Bend and is the 10th largest credit union in the state of Oregon. It is also the 553rd largest credit union in the nation. It was established in 1957 and as of March of 2025, it had grown to 159 employees and 49,645 members at 9 locations. Mid Oregon Federal Credit Union's savings rates are 7X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Mid Oregon Credit Union membership is open to businesses, legal entities, and anyone who lives, works, worships, or attends school in the Oregon counties of Crook, Deschutes, Lake, Jefferson, Klamath (northern portion) or Wheeler.
See current membership details

Reviews

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Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #12084
Year Chartered1957
Employees159
Primary Regulator
Profit Margin
Return on Assets - YTD1.71%
Return on Equity - YTD15.41%
Annual Interest Income$11.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$778.2MM$728.3MM
LoansQ1 2025vs Q1 2024$675.4MM$615.8MM
DepositsQ1 2025vs Q1 2024$689.1MM$641.8MM
Equity CapitalQ1 2025vs Q1 2024$85.3MM$70MM
Loan Loss AllowanceQ1 2025vs Q1 2024$4.9MM$4.9MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.2MM$660K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Mid Oregon Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Mid Oregon Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$1k-Bonus Saver
2.35%*$250k*-High Yield Account
OTHER TIERS: 1.00% → $1k - $5k | 1.10% → $5k - $10k | 1.30% → $10k - $25k | 1.40% → $25k - $50k | 1.85% → $50k - $100k | 2.05% → $100k - $250k
1.00%*$250k*-Regular Share
OTHER TIERS: 0.10% → $5+ | 0.50% → $100k - $250k
1.00%*$250k*-Business Share
OTHER TIERS: 0.10% → $2.5k - $100k | 0.50% → $100k - $250k
1.00%*$250k*-Secondary Share
OTHER TIERS: 0.10% → $5+ | 0.50% → $100k - $250k
0.10%$0-HSA Share

Mid Oregon Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.35%*$250k*-Business Money Market Plus
OTHER TIERS: 1.80% → $10k - $50k | 2.05% → $50k - $100k | 2.20% → $100k - $250k

Mid Oregon Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.35%*$250k*-Business Premier Checking
OTHER TIERS: 1.35% → $2.5k - $100k | 2.05% → $100k - $250k
2.10%*$250k*-Business Plus Checking
OTHER TIERS: 1.10% → $2.5k - $100k | 1.80% → $100k - $250k
1.40%*$250k*-Premium Interest Checking
OTHER TIERS: 0.10% → $0 - $2.5k | 0.40% → $2.5k - $10k | 0.65% → $10k - $50k | 0.90% → $50k - $100k | 1.15% → $100k - $250k
0.10%$0-Direct Interest Checking
0.10%$0-50+ Interest Checking

Mid Oregon Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%*$100k*-13 Month Share Certificate Special - New Money
OTHER TIERS: 4.25% → $10k - $50k | 4.35% → $50k - $100k
4.30%$10k-7 Month Share Certificate Special - New Money
3.95%$1k-6 to 12 Month Share Certificate
3.90%$1k-60 to 72 Month Share Certificate
3.75%$1k-12 to 24 Month Share Certificate
3.75%$1k-48 to 60 Month Share Certificate
3.65%$1k-36 to 48 Month Share Certificate
3.55%$1k-24 to 36 Month Share Certificate
0.10%$0-Saver's Club Certificate

Mid Oregon Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.95%$1k-6 to 12 Month IRA Certificate
3.90%$1k-60 to 72 Month IRA Certificate
3.75%$1k-12 to 24 Month IRA Certificate
3.75%$1k-48 to 60 Month IRA Certificate
3.65%$1k-36 to 48 Month IRA Certificate
3.55%$1k-24 to 36 Month IRA Certificate
2.25%*$250k*-IRA High Yield Account
OTHER TIERS: 1.00% → $1k - $5k | 1.10% → $5k - $10k | 1.20% → $10k - $25k | 1.30% → $25k - $50k | 1.75% → $50k - $100k | 1.95% → $100k - $250k
0.10%$250-IRA Share
Locations


Mid Oregon Federal Credit Union Locations
Branch Office1386 NE Cushing DrBend, OR 97701-3730
Branch Office202 NE Olney AveBend, OR 97701-4251
Branch Office2625 SW 17th PlRedmond, OR 97756-9625
Branch Office395 S 5th StMadras, OR 97741-1501
Branch Office305 NE Hickey Farms RdPrineville, OR 97754-8955
Branch Office51675 Huntington RdLa Pine, OR 97739
Branch Office51633 Coach RdLa Pine, OR 97739
Branch Office650 N Arrowleaf TrlSisters, OR 97759
Corporate Office557 SW Bluff DrBend, OR 97702

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