Mid Oregon Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

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

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

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 10^th largest credit union in the state of Oregon. It is also the 553^rd 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

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Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	12084
Year Chartered	1957
Employees	159
Primary Regulator

Profit Margin
Return on Assets - YTD	1.71%
Return on Equity - YTD	15.41%
Annual Interest Income	$11.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$778.2MM$728.3MM
Loans	Q1 2025vs Q1 2024	$675.4MM$615.8MM
Deposits	Q1 2025vs Q1 2024	$689.1MM$641.8MM
Equity Capital	Q1 2025vs Q1 2024	$85.3MM$70MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$4.9MM$4.9MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.2MM$660K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

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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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
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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 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
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
Corporate Office	557 SW Bluff Dr	Bend, OR 97702

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