About Us

Main Branch

The only credit union headquartered in Central Oregon.

Mid Oregon Credit Union traces its roots back to 1957 as the first credit union established in Central Oregon by a group of teachers and school employees in Prineville. Today, Mid Oregon Credit Union is the only Credit Union headquartered and doing business solely in Central Oregon.

Mid Oregon serves Deschutes, Jefferson, Crook, Wheeler, Lake and North Klamath Counties. We have branch locations in Bend, Redmond, Prineville, Madras, La Pine and Sisters.


Join Us and Experience the Credit Union Difference

The main difference between credit unions and banks is ownership. Banks are owned by shareholders. The shareholders elect a paid board of directors that works to maximize shareholder return. In contrast, a credit union is a not-for-profit financial cooperative owned by its members. A credit union’s board is made up of unpaid volunteers from the membership, elected by members.

This cooperative system ensures lower loan rates and higher savings rates than typically available at banks, which must maximize profits delivered to shareholders. In contrast, any profits received by the credit union flow back to the membership in the form of lower loan rates, higher savings rates, and enhanced member services.


Eligibility requirements to become a member:

  • Individuals who live, worship, work, or attend school in (as well as businesses and legal entities located in), Crook, Deschutes, Jefferson, Lake, and Wheeler County, Oregon, and/or those portions of Klamath County, Oregon that are within the COCC Taxing district (served by zip codes 97733, 97737, and 97739);
  • Members of record of the Mid Oregon Federal Credit Union as of the effective date of the expansion of its community charter on July 23, 1997, to include Crook County and Jefferson County, Oregon. 
  • Spouses of persons who died while within the field of membership of the credit union; employees of this credit union; persons retired as pensioners or annuitants from the above employment; members of their immediate families; and organizations of such persons.