Loan Rates

Effective as of: November 16, 2016
Call for current rates: 541-382-1795
The range of rates listed below reflect lowest to highest rates offered.
The range of rate will depend upon applicant's credit worthiness and other underwriting factors.
APR = ANNUAL PERCENTAGE RATE

Loan Type Fixed APR Variable APR
New Cars
Rate Range  3.590%
to 
18.000%
2.390% 
to
7.990%
Used Cars
Rate Range 3.590% 
to 
18.000%
2.390% 
to 
7.990%
New Recreational Vehicles
Rate Range  5.590% 
to 
18.000%
3.990% 
to 
9.990%
Used Recreational Vehicles
Rate Range  5.590% 
to 
18.000%
  3.990%
to
9.990%

   Unsecured - Line of Credit and Personal Loans

 

Rate Range

 

  8.990% 
to
18.000%
   Share Secured Variable Rate (regular share)
   Rate  

   3.010%

   Visa (click here)
  Variable
Rate Range
Classic

Platinum
10.145% - 18.000%

8.047% - 12.047%

Savings Rates

Effective as of: November 1, 2016
Call (541) 382-1795 for rate questions

Type of Share Annual Percentage Yield
Regular Shares
$5 Minimum Balance

0.01%

Money Market Checking
$15,000 Minimum Balance
0.01%

Business Checking 
$1,000 Minimum Balance
$1,000-4,999 
$5,000-9,999 
$10,000-24,999 
$25,000-49,999
$50,000+

 

0.01%
0.03%
0.04%
0.04%
0.05%

Money Market Shares
$2,500 Minimum Balance
0.01%

High Yield Plateau Shares or IRA 
$1,000 Minimum Balance
$1,000-4,999 
$5,000-9,999 
$10,000-24,999 
$25,000-49,999
$50,000+

 

0.01%
0.06%
0.07%
0.08%
0.09%

IRA Shares
$250 Minimum Balance

0.01%
Saver's Club Certificate *
No Minimum Balance, Term Up to 12 Months

0.06%
Save to Win Certificate 
$25 Minimum Balance, Term 12 Months

0.06%

Share and IRA Certificates *
$1,000 Minimum Balance
3 to less than 6 months 
6 to less than 12 months
12 to less than 24 months
24 months to less than 36 months
36 to less than 48 months
48 to less than 60 months
60 to 72 months

 

0.06%
0.11%
0.16%
0.36%
0.46%
0.66%
0.71%

*The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

A number of savings options are available to members of Mid Oregon Federal Credit Union. You can choose the right plan for your needs. 

Regular Share Account
A $5.00 deposit to this account establishes your membership in the Credit Union and opens the door to all other products and services. Dividends on this account are declared by the Board of Directors and paid quarterly. 

High Yield Plateau
If you are looking for liquidity and a market rate of return, this tiered account is for you. This tiered account earns interest on balances of $1,000 or more. Interest rate increases as balance increases and is paid quarterly. 

 Money Market Account
A minimum deposit of $2,500 will open the a Money Market Account. Dividends are variable the first of each month and paid at the end of each month. 

Share Certificates
Looking for stability and insurability in your investments. The Credit Union's certificates are purchased in amounts starting at $1,000 with terms starting at three months. 

IRA Savings
Save now for retirements and possible savings on taxes too. This account allows you to begin saving with as little as a $250 minimum deposit. 

IRA Certificates
Rolling over a retirement account or having accumulated a $1,000 or more in an IRA Savings, this account offers the same high rates as Share Certificate Accounts. 

Funds on deposit at Mid Oregon Federal Credit Union are federally insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF). The NCUSIF is administered by an agency of the Federal Government.