Credit union · NCUA insured
Mid Oregon Credit Union Savings Rates
Mid Oregon Credit Union’s best savings rate is 1.30% APY on $10,000, with its High-Yield Account. Rates checked October 22, 2026.
How Mid Oregon Credit Union’s savings 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
3.25%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $325
Bonus Saver
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
Mid Oregon Credit Union savings score
89
Savings score
Higher than 88% of U.S. banks and credit unions
- $1,000 balance$1,0000.90%
- $10,000 balance$10,0001.30%
- $100,000 balance$100,0002.00%
- QualifiedQualified3.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Bonus Saver
3.25%APY
Must be opened or funded within five days of opening the associated Share Certificate with terms of 6 months or more; valid for new deposits only. Opening balance $1,000, up to the amount of the companion certificate account. Must maintain a minimum balance of $1,000 to earn dividends. Low balance fee: $10 for balances below $1,000.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upMust be opened or funded within 5 days of opening associated Share Certificate of 6+ months; companion certificate maximum deposit limit applies. Low balance fee of $10 applies if balance falls below $1,000.$1,000 and up | 3.25% | $325 | Must be opened or funded within 5 days of opening associated Share Certificate of 6+ months; companion certificate maximum deposit limit applies. Low balance fee of $10 applies if balance falls below $1,000. |
Sources (1)
- midoregon.com/rates/index.shtml · captured Sep 15, 2026
High-Yield Account
1.30%APY
Variable dividend rate that increases as balance increases. Minimum balance of $1,000 to earn dividends. Dividends paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $5,000Paid quarterly. | 0.90% | — | Paid quarterly. |
| $5,000 – $10,000Paid quarterly. | 1.00% | — | Paid quarterly. |
| $10,000 – $25,000Paid quarterly. | 1.30% | $130 | Paid quarterly. |
| $25,000 – $50,000Paid quarterly. | 1.40% | — | Paid quarterly. |
| $50,000 – $100,000Paid quarterly. | 1.95% | — | Paid quarterly. |
| $100,000 – $250,000Paid quarterly. | 2.00% | — | Paid quarterly. |
| $250,000 and upPaid quarterly. | 2.25% | — | Paid quarterly. |
Sources (2)
All captured Sep 15, 2026
Regular/Secondary Share Savings
0.10%APY
A $5.00 deposit establishes membership in the Credit Union. Dividends are declared by the Board of Directors and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Paid quarterly. | 0.10% | $10 | Paid quarterly. |
| $100,000 – $250,000Paid quarterly. | 0.50% | — | Paid quarterly. |
| $250,000 and upPaid quarterly. | 0.75% | — | Paid quarterly. |
Sources (2)
All captured Sep 15, 2026
Special-purpose accounts
IRA High Yield Account
1.30%APY
Variable tiered dividend rate for IRA savings. Earns interest on balances of $1,000 or more.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $5,000Paid quarterly. | 0.90% | — | Paid quarterly. |
| $5,000 – $10,000Paid quarterly. | 1.00% | — | Paid quarterly. |
| $10,000 – $25,000Paid quarterly. | 1.30% | $130 | Paid quarterly. |
| $25,000 – $50,000Paid quarterly. | 1.40% | — | Paid quarterly. |
| $50,000 – $100,000Paid quarterly. | 1.95% | — | Paid quarterly. |
| $100,000 – $250,000Paid quarterly. | 2.00% | — | Paid quarterly. |
| $250,000 and upPaid quarterly. | 2.25% | — | Paid quarterly. |
Sources (2)
All captured Sep 15, 2026
HSA Share Account
0.10%APY
Used in conjunction with a qualifying high-deductible health plan.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Sep 15, 2026
IRA Share Account
0.10%APY
Allows saving for retirement with possible tax savings. Requires $250 minimum deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Sep 15, 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.