Credit union · NCUA insured
Mid Oregon Credit Union CD Rates
Mid Oregon Credit Union’s best CD rate is 4.15% APY on a 13-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Mid Oregon Credit Union’s CD rates compare
Compared with banks and credit unions near Bend, OR, where Mid Oregon Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mid Oregon Credit Union
4.00%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $231
Special Certificate Offers
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Central Willamette Credit Union
4.16%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $750
- Earns on $10,000
- $416
Mid Oregon Credit Union CD score
82
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.15%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.45%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Mid Oregon Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special Certificate Offers
4.00%APY · 2 terms
Limited time offer. Subject to change without notice. Offer available on new deposits to Mid Oregon only. Early withdrawal penalty applies.
| Term | APY · $10,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 7 monthsAvailable on new deposits to Mid Oregon only. Limited-time offer | 4.00% | — | 4.00% | $231 |
| 13 monthsAvailable on new deposits to Mid Oregon only. Limited-time offer | — | 4.15% | —4.15% from $50k | — |
Sources (3)
All captured Oct 3, 2026
Share Certificate
Up to 3.45%APY · 6 terms
A term share certificate is for all members who wish to invest a minimum of $1,000 for a fixed amount of time. Quarterly dividends may be reinvested, transferred, or withdrawn. Automatically renews at maturity with 10 days to renew or change without penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 3.15% | $156 |
| 12–23 months | 3.15% | $315 |
| 24–35 months | 3.35% | $681 |
| 36–47 months | 3.35% | $1,039 |
| 48–59 months | 3.45% | $1,453 |
| 60–72 months | 3.45% | $1,848 |
Sources (2)
All captured Oct 3, 2026
Special-purpose accounts
IRA Certificate
Up to 3.45%APY · 6 terms
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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 3.15% | $156 |
| 12–23 months | 3.15% | $315 |
| 24–35 months | 3.35% | $681 |
| 36–47 months | 3.35% | $1,039 |
| 48–59 months | 3.45% | $1,453 |
| 60–72 months | 3.45% | $1,848 |
Sources (1)
- midoregon.com/rates/index.shtml · captured Oct 3, 2026
Saver's Club Certificate
0.10%APY · 1 term
Deposits made by automatic transfer from checking or regular share account. Term length from 3 to 12 months. Dividends credited at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–12 monthsDeposits made by automatic transfer from checking or regular share account. Pick term from 3 to 12 months | 0.10% | $2 |
Sources (2)
All captured Oct 3, 2026
Who can join Mid Oregon Credit Union
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.
Membership information collected October 4, 2026.