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iAdvertiser Disclosure
Advertiser Disclosure
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 Mid Oregon Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Mid Oregon Federal Credit Union's 48 - 59 Month CD rates are at 3.45%, 24 - 35 Month CD rates are at 3.35%, 36 - 47 Month CD rates are at 3.35%, 12 - 23 Month CD rates are at 3.15%, 6 - 11 Month CD rates are at 3.15%. Mid Oregon Federal Credit Union's savings rates are at 0.75%. Mid Oregon Federal Credit Union's money market rates are at 2.35%. Mid Oregon Federal Credit Union's checking rates are as high as 2.25%. Mid Oregon Federal Credit Union's 15 Year Fixed Rate rates are at 6.75%, VA 30 Year Fixed - Conforming rates are at 6.88%, 30 Year Fixed Rate rates are at 7.00%, FHA 30 Year Fixed rates are at 6.62%. Mid Oregon Federal Credit Union's Personal Loan Rates are as low as 13.28%. Mid Oregon Federal Credit Union's Credit Card Rates are at 14.03%. Mid Oregon Federal Credit Union's CD rates are 19% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Mid Oregon Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.98%. Rates last updated and verified on 10/29/2026. Mid Oregon Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Mid Oregon Federal Credit Union? Share your experience about Mid Oregon Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Mid Oregon Federal Credit Union. Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Mid Oregon Federal Credit Union CD Rates
Mid Oregon Federal Credit Union Savings Rates
Mid Oregon Federal Credit Union Business Savings Rates
Mid Oregon Federal Credit Union Business Money Market Rates
Mid Oregon Federal Credit Union Checking Rates
Mid Oregon Federal Credit Union Business Checking Rates
Mid Oregon Federal Credit Union Mortgage Rates
Mid Oregon Federal Credit Union Auto Loan Rates
Mid Oregon Federal Credit Union RV, Boat and Powersport Loan Rates
Mid Oregon Federal Credit Union Credit Card Rates
Mid Oregon Federal Credit Union Personal Loan Rates
Mid Oregon Federal Credit Union Other Rates
Financial Health HistoryMid Oregon Federal Credit Union’s Texas Ratio fell from 1.95% in Q4 2025 to 0.98% in Q2 2026, so its financial health has stayed very strong over the past 3 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Mid Oregon Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Mid Oregon Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Mid Oregon Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Mid Oregon Federal Credit Union
Website
https://www.midoregon.com
Address
557 SW Bluff Dr,
Bend, OR 97702
Phone
541-382-1795
Fax
President
Tim Johnson
CEO
Kevin Cole
Full-Time Employees
163
Part-Time Employees
5
Branch Locations
9
ATM Locations
8
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.98%
Return on Assets (ROA)
0.8492%
Return on Equity (ROE)
7.4974%
Non-Performing Loans Ratio (NPL)
0.14%
Total Assets
917,436,806
Total Amount of Shares and Deposits
810,545,839
Total Shares and Deposits < 1 Year
800,365,671
Total Shares and Deposits 1 3 Years
7,127,275
Total Shares and Deposits > 3 Years
3,052,893
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
71,952,238
Total Uninsured Shares and Deposits > $250K (F+J)
71,952,238
Total Insured Shares and Deposits > $250K (item 17 less item K)
738,593,601
Total Interest Expense (Sum of items 6 8)
7,330,640
Share Certificates
3,572
Number of Accounts for Share Drafts
38,344
IRA KEOGH Accounts
527
Number of Accounts for Regular Shares
58,101
All other shares
587
Money Market Shares
6,695
Net Income (unless the amount is already included in Undivided Earnings)
7,790,577
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
70,907,020
Total Liabilities
813,538,056
Source: NCUA — Last Updated 06/30/2026
Customer ReviewsHoward J Nielsen
February 10, 2026
Always outstanding friendly service so willing to help thank you
Want to discuss Mid Oregon Federal Credit Union with other members?
Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Add Your Rating and Review for Mid Oregon Federal Credit Union
Frequently Asked Questions About Mid Oregon Federal Credit UnionDoes Mid Oregon Federal Credit Union offer CDs?Yes. Mid Oregon Federal Credit Union current CD rates include its 48 - 59 Month CD at 3.45% APY, its 24 - 35 Month CD at 3.35% APY and its 36 - 47 Month CD at 3.35% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Mid Oregon Federal Credit Union NCUA insured?Yes. Mid Oregon Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Mid Oregon Federal Credit Union?The highest Mid Oregon Federal Credit Union CD rate is its 13 Month CD Special at 4.15% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Mid Oregon Federal Credit Union offer?Mid Oregon Federal Credit Union CD rates are 3.15% APY for an 11 month CD, 3.15% APY for a 12 month CD, 3.15% APY for a 23 month CD, 3.15% APY for a 2 year CD, 3.35% APY for a 35 month CD, 3.35% APY for a 47 month CD, 3.45% APY for a 59 month CD and 3.45% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Mid Oregon Federal Credit Union for its full lineup. What is the highest savings rate at Mid Oregon Federal Credit Union?The highest Mid Oregon Federal Credit Union savings rate is its Business Savings at 0.75% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Mid Oregon Federal Credit Union?The highest Mid Oregon Federal Credit Union money market rate is its Business Money Market Plus at 2.35% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Mid Oregon Federal Credit Union?The highest Mid Oregon Federal Credit Union checking rate is its Business Premier Checking at 2.25% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest 30 year fixed mortgage rate at Mid Oregon Federal Credit Union?The lowest Mid Oregon Federal Credit Union 30 year fixed mortgage rate is its FHA 30 Year Fixed at 6.625%, verified by MonitorBankRates as of October 29, 2026. Mid Oregon Federal Credit Union mortgage rates are 7.00% for a 30 year mortgage and 6.75% for a 15 year mortgage. What is the lowest auto loan rate at Mid Oregon Federal Credit Union?The lowest Mid Oregon Federal Credit Union auto loan rate is its Vehicle Loan - New Cars and Motorcycles at 5.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Mid Oregon Federal Credit Union?The lowest Mid Oregon Federal Credit Union personal loan rate is its Personal Loans & Lines of Credit at 13.284% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Mid Oregon Federal Credit Union?The lowest Mid Oregon Federal Credit Union credit card APR is its Platinum VISA Credit Card at 14.03% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Mid Oregon Federal Credit Union operate?Mid Oregon Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Mid Oregon Federal Credit Union?Yes, to access services at Mid Oregon Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Mid Oregon Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Mid Oregon Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Mid Oregon Federal Credit Union offer online and mobile banking?Most modern institutions like Mid Oregon Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.midoregon.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Mid Oregon Federal Credit Union rates compare?Mid Oregon Federal Credit Union's CD rates are 19% higher than the MonitorBankRates national average, and it has an A+ health rating. Mid Oregon Federal Credit Union's top rates are its 13 Month CD Special at 4.15% APY, its Business Savings at 0.75% APY, its Business Money Market Plus at 2.35% APY, its Business Premier Checking at 2.25% APY, its FHA 30 Year Fixed at 6.625%, its Personal Loans & Lines of Credit at 13.284% APR and its Platinum VISA Credit Card at 14.03% APR, verified by MonitorBankRates on October 29, 2026. Current Mid Oregon Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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