Credit union · NCUA insured
Mid Oregon Credit Union
A $877.7M credit union headquartered in Bend, OR, with 52,362 members and 9 branches in Oregon. Best rates: CDs 4.15% and savings 1.30% APY.
Mid Oregon Credit Union Carrot Score
86
Carrot Score
Higher than 74% of U.S. banks and credit unions
#1 of 16 in Bend, OR metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Mid Oregon Credit Union
Established in 1957, Mid Oregon Credit Union is a member-owned financial cooperative headquartered in Central Oregon.
Originally founded in Prineville by school employees, the credit union now serves 24 counties across Oregon with branches in six cities.
- Headquarters
- 557 SW Bluff Dr, Bend, OR 97702
- NCUA charter
- 68748
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in, or organizations located in 24 specified Oregon counties are eligible to join.
Employers and groups
- Employees and officials of the Credit Union, its subsidiaries, and contractors are eligible to join.
Family and household
- Immediate family members (including specified relatives and domestic partners) of any member or eligible member are eligible to join.
Other ways
- Business and nonbusiness organizations composed of eligible individuals, members, or employees are eligible to join.
- Retirees, pensioners, and annuitants of any eligible group are eligible for membership.
Cost to join
- A one-time new account fee of $10 is required to establish membership.
- A $5 deposit into a Regular Share Savings Account is required to open an account.
Branches
9 branches in Oregon
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Oregon
9 branches
- Old MillMain office557 SW Bluff Dr, Bend, OR 97702Directions
- Bend-Olney202 NE Olney Ave, Bend, OR 97701Directions
- East Bend-Cushing1386 NE Cushing Dr, Bend, OR 97701Directions
- La Pine Branch51675 Huntington Rd, La Pine, OR 97739Directions
- La Pine High School Branch51633 Coach Rd, La Pine, OR 97739Directions
- Madras395 S 5th St, Madras, OR 97741Directions
- Prineville305 NE Hickey Farms Rd, Prineville, OR 97754Directions
- Redmond2625 SW 17th Pl, Redmond, OR 97756Directions
- Sisters Office650 N Arrowleaf Trl, Sisters, OR 97759Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.33% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.14% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.76% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $96 | $76 | — |
- CapitalNet worth ratio11.33%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.14%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.76%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$96Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Mid Oregon Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.