Mid Oregon Federal Credit Union

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 11^th largest credit union in the state of Oregon. It is also the 574^th largest credit union in the nation. It was established in 1957 and as of June of 2024, it had grown to 139 employees and 48,014 members at 9 locations. Mid Oregon Federal Credit Union's savings rates are 8X the national average, and it has 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.
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Health

Data as of Q2 2024

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Health Grade Components

Overall
NCUA #	12084
Year Chartered	1957
Employees	139
Primary Regulator

Profit Margin
Return on Assets - YTD	2.1%
Return on Equity - YTD	20.67%
Annual Interest Income	$22.3MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$736.8MM$692.4MM
Loans	Q2 2024vs Q2 2023	$634.7MM$580.7MM
Deposits	Q2 2024vs Q2 2023	$655.4MM$618.4MM
Equity Capital	Q2 2024vs Q2 2023	$74.3MM$59.4MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$4.8MM$4.8MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$1.3MM$555K
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* 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

APY	MIN	MAX	ACCOUNT NAME
4.00%	$1k	-	Bonus Saver
2.25%^*	$250k^*	-	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
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
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%	$250	-	IRA Share
0.10%	$0	-	HSA Share

Mid Oregon Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.25%^*	$250k^*	-	Business Money Market Plus
OTHER TIERS: 1.00% → $10k - $50k \| 1.50% → $50k - $100k \| 1.95% → $100k - $250k

Mid Oregon Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.35%^*	$250k^*	-	Business Premier Checking
OTHER TIERS: 1.35% → $2.5k - $100k \| 2.05% → $100k - $250k
2.25%^*	$250k^*	-	Business Plus Checking
OTHER TIERS: 1.25% → $2.5k - $100k \| 1.95% → $100k - $250k
1.50%^*	$250k^*	-	Premium Interest Checking
OTHER TIERS: 0.10% → $0 - $2.5k \| 0.50% → $2.5k - $10k \| 0.75% → $10k - $50k \| 1.00% → $50k - $100k \| 1.25% → $100k - $250k
0.10%	$0	-	Direct Interest Checking
0.10%	$0	-	50+ Interest Checking

Mid Oregon Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.50%	$1k	-	12 to 24 Month Share Certificate
4.00%	$1k	-	6 to 12 Month Share Certificate
2.95%	$1k	-	60 to 72 Month Share Certificate
2.50%	$1k	-	48 to 60 Month Share Certificate
2.20%	$1k	-	36 to 48 Month Share Certificate
2.10%	$1k	-	24 to 36 Month Share Certificate
0.10%	$0	-	Saver's Club Certificate

Mid Oregon Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.50%	$1k	-	12 to 24 Month IRA Certificate
4.00%	$1k	-	6 to 12 Month IRA Certificate
2.95%	$1k	-	60 to 72 Month IRA Certificate
2.50%	$1k	-	48 to 60 Month IRA Certificate
2.20%	$1k	-	36 to 48 Month IRA Certificate
2.10%	$1k	-	24 to 36 Month IRA Certificate

Locations

Mid Oregon Federal Credit Union Locations
Branch Office	1386 NE Cushing Dr	Bend, OR 97701-3730
Branch Office	202 NE Olney Ave	Bend, OR 97701-4251
Branch Office	2625 SW 17th Pl	Redmond, OR 97756-9625
Branch Office	395 S 5th St	Madras, OR 97741-1501
Branch Office	305 NE Hickey Farms Rd	Prineville, OR 97754-8955
Corporate Office	63088 18th St	Bend, OR 97701-7102
Branch Office	51675 Huntington Rd	La Pine, OR 97739
Branch Office	51633 Coach Rd	La Pine, OR 97739
Branch Office	650 N Arrowleaf Trl	Sisters, OR 97759

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