Loan Rates

Effective as of: October 16, 2020

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 4.240% to 18.000% 3.500% to 7.750%
Used Cars
Rate Range 4.240% to 18.000% 3.500% to 7.750%
New Recreational Vehicles
Rate Range  6.240%  to 18.000% 5.240% to 9.750%
Used Recreational Vehicles
Rate Range  6.240% to 18.000% 5.240% to 9.750%
Unsecured - Line of Credit and Personal Loans
Rate Range   8.990% to 18.000%
Share Secured Variable Rate (regular share)
Rate   3.010%
Visa Credit Cards
Variable Rate Range Classic VISA 9.773% - 18.000%
Variable Rate Range Platinum VISA 7.675% - 11.675%

Deposit Rates

Effective as of: October 1, 2020

Call (541) 382-1795 for rate questions or to determine the best deposit account for your needs.

APY = ANNUAL PERCENTAGE YIELD

Share Type Dividend Rate APY
Regular Shares 
Min. Balance $5
0.01% 0.01%
Direct Interest Checking  0.01% 0.01%
50+ Interest Checking 0.01% 0.01%
Premium Interest Checking—Tiered rates of return on higher balances.     
$0 - $2,499.99 0.01% 0.01%
$2,500-$9,999.99 0.02% 0.02%
$10,000-$49,999.99 0.05% 0.05%
$50,000-$99,999.99 0.10% 0.10%
$100,000-$249,999.99 0.25% 0.25%
$250,000 and over 0.30% 0.30%
High Yield Account
$1,000 Min. Balance
   
$1,000-$4,999.99 0.01% 0.01%
$5,000-$9,999.99 0.02% 0.02%
$10,000-$24,999.99 0.05% 0.05%
$25,000-$49,999.99 0.05% 0.05%
$50,000-$99,999.99 0.10% 0.10%
$100,000 and above 0.25% 0.25%
Individual Retirement Account (IRA/HSA Share Account) 0.01% 0.01%
Saver's Club Certificate *
No Min. Balance, Term up to 12 Months
0.05% 0.05%
Save to Win Certificate
$25 Min. Balance, Term 12 Months
0.01% 0.01%
Share and IRA Certificates
*$1,000 Min. Balance
   
 6 to 12 months .25% .25%
12 to 24 months .35% .35%
24 to 36 months .45% .45%
36 to 48 months .50% .50%
48 to 60 months 1.00% 1.00%
60 to 72 months 1.24% 1.25%
Business Share Account 0.01% 0.01%
Business Interest Checking
Minimum $2,500 to earn dividends
   
$2,500.00-$99,999.99 0.01% 0.01%
$100,000.00-249,999.99 0.10% 0.10%
$250,000 and above 0.30% 0.30%
Business Money Market Plus Account
Minimum $10,000 to earn higher dividends
   
 $10,000-$49,999.99 .05% .05%
$50,000-$99,999.99 .10% .10%
 $100,000-$249,999.99 .25% .25%
$250,000 and above .30% .30%

*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 Shares

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 six 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.