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Advertiser Disclosure
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 Mid Oregon Federal Credit Union Rates & Review September 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: September 21, 2026
Mid Oregon Federal Credit Union's 13 Month CD Special rates are at 4.00%, 7 Month CD Special rates are at 4.00%, 48 - 59 Month Share & IRA CDs rates are at 3.45%, 24 - 35 Month Share & IRA CDs rates are at 3.35%, 36 - 47 Month Share & IRA CDs rates are at 3.35%. Mid Oregon Federal Credit Union's savings rates are at 0.10%. Mid Oregon Federal Credit Union's money market rates are at 1.80%. Mid Oregon Federal Credit Union's 15 Year Fixed Rate rates are at 6.50%, VA 30 Year Fixed - Conforming rates are at 6.62%, 30 Year Fixed Rate rates are at 7.00%, Mortgage Loans - FHA 30 Year Fixed rates are at 6.62%. Mid Oregon Federal Credit Union's Personal Loan Rates are as low as 13.02%. Mid Oregon Federal Credit Union's Credit Card Rates are at 13.75%. 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 1.46%. Rates last updated and verified on 09/21/2026. 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. 
Mid Oregon Federal Credit Union CD Rates
Mid Oregon Federal Credit Union Savings Rates
Mid Oregon Federal Credit Union Money Market Rates
Mid Oregon Federal Credit Union Checking Rates
Mid Oregon Federal Credit Union Mortgage Rates
Mid Oregon Federal Credit Union Home Equity & HELOC
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 rose from 0.71% in Q2 2023 to 1.46% in Q3 2025, so its financial health has stayed very strong over the past 10 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
159
Part-Time Employees
6
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+ (99/100)
Texas Ratio
1.46%
Return on Assets (ROA)
1.2655%
Return on Equity (ROE)
11.3431%
Non-Performing Loans Ratio (NPL)
0.20%
Total Assets
839,830,729
Total Amount of Shares and Deposits
743,628,092
Total Shares and Deposits < 1 Year
728,552,924
Total Shares and Deposits 1 3 Years
13,416,056
Total Shares and Deposits > 3 Years
1,659,112
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
63,360,701
Total Uninsured Shares and Deposits > $250K (F+J)
63,360,701
Total Insured Shares and Deposits > $250K (item 17 less item K)
680,267,391
Total Interest Expense (Sum of items 6 8)
10,053,587
Share Certificates
3,539
Number of Accounts for Share Drafts
36,926
IRA KEOGH Accounts
511
Number of Accounts for Regular Shares
55,479
All other shares
578
Money Market Shares
6,352
Net Income (unless the amount is already included in Undivided Earnings)
10,628,177
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)
50,683,076
Total Liabilities
747,190,985
Source: NCUA — Last Updated 09/30/2025
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 UnionHow 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. Current Mid Oregon Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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