Savings Accounts

Build your future

Grow your nest egg faster with attractive rates of return and choices to fit every budget and savings goal. 


Regular Share Savings

Your Mid Oregon membership begins with a $5 deposit to your Regular Share Savings account.

  • Access to all money-saving and convenient products and services 
  • Competitive dividend rates
  • Digital Banking—easy account management on desktop or mobile devices
  • All members age 18 and over are eligible for $1,000 of accident insurance without cost
  • Your funds are federally insured up to $250,000 by NCUA
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High Yield Account

This is a savings account with a variable dividend rate that increases as the balance increases. This account is for all members with savings balances over $1,000.

  • Minimum balance of $1000 to earn dividends
  • Dividends paid monthly
  • Tiered rate of return—the more you save, the more you earn
  • Withdraw funds without penalties
  • Your funds are federally insured up to $250,000 by NCUA
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What are you looking for in a share certificate? Want a more convenient term or maturity date? How would you like to maximize your returns and simplify the task of managing multiple certificates?
Our team has tools and options that can help you in ways you never thought possible. Stop by or give us a call and let us help you design a plan that's perfect for you!

Share Certificate

A term share certificate is for all members who wish to invest a minimum of $1,000 for at least 3 months.  It may be used to earn a higher dividend rate, fixed for the term of the certificate. 

  • Security of knowing rate is guaranteed for the term of the certificate
  • Earns higher dividend rates than other savings products
  • Quarterly dividends may be reinvested, transferred, or withdrawn
  • May be used as collateral to secure a loan
  • Automatically renews at maturity
  • Member has 10 days from maturity to renew or change without penalty
  • Your funds are federally insured up to $250,000 by NCUA

Saver’s Club Certificate

Save now for something special! With a Mid Oregon Saver’s Club Certificate you won’t have to remember to deposit to the account because all Saver’s Club deposits are made by automatic transfer from your checking or regular share account. Don’t be caught short when the holidays roll around or it’s time for that needed vacation.

  • You pick the term, from 3 to 12 months
  • You pick the amount that fits your budget to save each month
  • Dividends will be credited at maturity
  • Your funds are federally insured up to $250,000 by NCUA
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Health Savings Accounts (HSAs)

Health Savings Accounts (HSAs) are a type of savings account that lets you set aside money on a pre-tax basis to help pay for qualified health expenses. This account is used in conjunction with a qualifying  high-deductible health plan.
  • You can roll over the funds from year to year if you don't spend them.
  • Your balance earns dividends, which are not taxable.
  • Access and track your funds easily using our HSA Debit Card—it works just like a debit card at medical offices, pharmacies and anywhere else you receive health-care services.
  • Perfect for self-employed taxpayers who use a high-deductible health plan, or for employers who offer these policies to their employees!

Certain IRS rules pertain to HSA Accounts. Read our HSA Terms and Conditions. 


Roth Individual Retirement Account 

The Roth IRA allows investors to deposit after-tax dollars today, accumulate interest tax-free, and take qualifying withdrawals tax-free. Roth IRA funds may be deposited into the following accounts: Regular Share, High Yield Plateau, or Share Certificate.

  • Contributions can be withdrawn tax-free and penalty-free
  • Earnings are tax-free if account is open for 5 tax years and withdrawn for a qualified reason
  • Your funds are federally insured up to $250,000 by NCUA

Traditional Individual Retirement Account 

An Individual Retirement Account (IRA) allows investors, whether covered by an employer-sponsored pension plan or not, to save money for use in retirement while allowing the savings to grow tax-deferred. Eligibility to make contributions is anyone under age 70 1/2 with earned compensation or anyone who files jointly on the tax return with someone who earns compensation. 

  • Contributions are tax-deductible
  • Earnings grow tax-deferred until withdrawn
  • IRA funds may be deposited into the following accounts: Regular Share, High Yield Plateau, or Share Certificate
  • Your funds are federally insured up to $250,000 by NCUA.

IRA and HSA accounts involve complex rules determined by the IRS. Don't worry—we can walk you through the steps to set up your account. Give us a call, stop by a branch, or send us a quick message so we can help you get started!

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Special Accounts

For Estate, Minor, Rep Payee, and Trust Accounts

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