Loan Rates
Effective as of: January 16, 2023
For Home Equity Rates, visit the Home Equity Page.
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.
Mid Oregon Credit Union Consumer Loan Agreement
APR = ANNUAL PERCENTAGE RATE
| Loan Type | Fixed APR | Variable APR |
|---|---|---|
| New Cars | ||
| Rate Range | 6.74% to 18.00% | -- |
| Used Cars | ||
| Rate Range | 6.74% to 18.00% | -- |
| New Recreational Vehicles | ||
| Rate Range | 7.99% to 18.00% | -- |
| Used Recreational Vehicles | ||
| Rate Range | 7.99% to 18.00% | -- |
| Unsecured - Line of Credit and Personal Loans | ||
| Rate Range | 13.769% to 18.00% | |
| Share Secured Variable Rate (regular share) | ||
| Rate | 3.10% | |
| Visa Credit
Cards VISA Credit Card Application Disclosure |
||
| Everyday Rewards VISA | ||
| Rate for Purchases: | 18.00% | |
| Rate for Cash Advances: | 18.00% | |
| Platinum VISA | ||
| Rate for Purchases: | 14.52% | |
| Rate for Cash Advances | 18.00% | |
| Secured VISA | ||
| Purchases & Cash Advances | 18.00% | |
Deposit Rates
Effective as of: January 1, 2023
Call or text 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—NEW! Tiered rates of return on higher balances. Min. Balance $5 |
||
| $0 - $99,999.99 | 0.10% | 0.10% |
| $100,000-$249,999.99 | 0.50% | 0.50% |
| $250,000 and over | 1.00% | 1.00% |
| Direct Interest Checking | 0.10% | 0.10% |
| 50+ Interest Checking | 0.10% | 0.10% |
| Premium Interest Checking—Tiered rates of return on higher balances. | ||
| $0 - $2,499.99 | 0.10% | 0.10% |
| $2,500-$9,999.99 | 0.50% | 0.50% |
| $10,000-$49,999.99 | 0.75% | 0.75% |
| $50,000-$99,999.99 | 1.00% | 1.00% |
| $100,000-$249,999.99 | 1.24% | 1.25% |
| $250,000 and over | 1.49% | 1.50% |
| High Yield
Account/IRA High Yield Account $1,000 Min. Balance |
||
| $1,000-$4,999.99 | 0.60% | 0.60% |
| $5,000-$9,999.99 | 0.75% | 0.75% |
| $10,000-$24,999.99 | 0.85% | 0.85% |
| $25,000-$49,999.99 | 1.00% | 1.00% |
| $50,000-$99,999.99 | 1.24% | 1.25% |
| $100,000-249,999.99 | 1.93% | 1.95% |
| $250,000 and above | 2.23% | 2.25% |
| Individual Retirement Account (IRA/HSA Share Account) | 0.10% | 0.10% |
| Saver's Club
Certificate * No Min. Balance, Term up to 12 Months |
0.10% | 0.10% |
| Save to
Win Certificate $25 Min. Balance, Term 12 Months |
0.10% | 0.10% |
| Share and IRA
Certificates *$1,000 Min. Balance |
||
| 6 to 12 months | 1.98% | 2.00% |
| 12 to 24 months | 2.47% | 2.50% |
| 24 to 36 months | 2.08% | 2.10% |
| 36 to 48 months | 2.18% | 2.20% |
| 48 to 60 months | 2.47% | 2.50% |
| 60 to 72 months | 2.91% | 2.95% |
|
SPECIAL 7-MONTH CERTIFICATE OFFER—for a limited time $25,000 minimum deposit. NEW FUNDS ONLY to earn special APY. |
3.45% |
3.50% |
|
SPECIAL 11-MONTH CERTIFICATE OFFER—for a limited time |
|
3.95% |
| Business Share Account | 0.10% | 0.10% |
| Business Interest
Checking Minimum $2,500 to earn dividends |
||
| $2,500.00-$99,999.99 | 1.24% | 1.25% |
| $100,000.00-249,999.99 | 1.93% | 1.95% |
| $250,000 and above | 2.23% | 2.25% |
| Business Money
Market Plus Account Minimum $10,000 to earn higher dividends |
||
| $10,000-$49,999.99 | 1.00% | 1.00% |
| $50,000-$99,999.99 | 1.49% | 1.50% |
| $100,000-$249,999.99 | 1.93% | 1.95% |
| $250,000 and above | 2.23% | 2.25% |
*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.