--- title: "Mid Oregon Credit Union Rates (Nov 2026): Mortgage 7.04%" description: "Mid Oregon Credit Union rates today: 30 year fixed mortgage 7.04% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Mid Oregon Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/oregon/mid-oregon" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Mid Oregon Credit Union Rates (Nov 2026): Mortgage 7.04% ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **VA 30 Year Fixed - Conforming** 30 year fixed | 7.039% APR | 6.750% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.159% APR | 7.000% | — | Standard | | **FHA 30-Year Fixed** 30 year fixed | 7.323% APR | 6.625% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.985% APR | 6.750% | — | Standard | Mid Oregon Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Used Cars and Motorcycles** motorcycle_used | — APR | 5.990% | used | Standard | | **New Cars and Motorcycles** motorcycle_new | — APR | 5.990% | new | Standard | | **Used RV/Toy** rv_used | — APR | 7.146% | used | Standard | | **New RV/Toy** rv_new | — APR | 7.146% | new | Standard | Mid Oregon Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 3.100% | — | Standard | | **Personal Loans & Lines of Credit** personal_unsecured | — APR | 13.284% | — | Standard | Mid Oregon Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 14.030% | — | Standard | | **Everyday Rewards VISA ®** credit_card_rewards | — APR | 18.000% | — | Standard | | **Secured Credit Card** credit_card_secured | — APR | 18.000% | — | Standard | Mid Oregon Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 2 offers | Product | Published | Rate | Term / condition | Status | | **7-Month Certificate** cd_7mo | — APY | 4.00% | 7 mo | Standard | | **13-Month Certificate** cd_13mo | — APY | 4.15% | 13 mo | Standard | Mid Oregon Credit Union savings & cd rates as of November 12, 2026 As of November 12, 2026, Mid Oregon Credit Union offers a 30-year fixed mortgage at 7.039% APR (0.25 points). > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/oregon/mid-oregon) , verified from [Mid Oregon Credit Union's official website](https://www.midoregon.com/) Best product position **Better than the Oregon median** 30-year fixed mortgage Gap to state best **6 bp** 6 bp from state best Vs. state median **10 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Oregon markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.04% | Better than the Oregon median | 6 bp from state best | 10 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Mid Oregon Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=mid-oregon&state=oregon&code=OR&name=Mid%20Oregon%20Credit%20Union) Loading branch locator… ## About Mid Oregon Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 52.4K Assets $877.7M Founded 1957 Locations reported 9 NCUA charter 68748 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Selco Community** Old Mill · Bend · OR · 97702 Branch in the same ZIP](https://rateapi.dev/credit-unions/oregon/selco-community) [**First Community** Bend · Bend · OR · 97701-6413 About 5.8 miles away](https://rateapi.dev/credit-unions/oregon/first-community) [**Onpoint Community** Bend South · Bend · OR · 97702 About 6.0 miles away](https://rateapi.dev/credit-unions/oregon/onpoint-community) [**Peak** BEND · BEND · OR · 97702-2104 About 6.0 miles away](https://rateapi.dev/credit-unions/washington/peak) [**Central Willamette** Bend Branch · Bend · OR · 97702-2154 About 6.0 miles away](https://rateapi.dev/credit-unions/oregon/central-willamette) [**Oregon Community** Bend Branch · Bend · OR · 97703-8432 About 15.9 miles away](https://rateapi.dev/credit-unions/oregon/oregon-community) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Mid Oregon Credit Union Membership eligibility from Mid Oregon Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Mid Oregon Credit Union's website. Check the membership page below to confirm whether you qualify. - Association Business and nonbusiness organizations Verified from [Mid Oregon Credit Union's membership page](https://www.midoregon.com/membership/index.shtml) . Final membership determination is always made by the credit union. ## Membership rules for Mid Oregon Credit Union Employers · Associations · Family 3 published paths to membership, last verified August 21, 2026, quoted from Mid Oregon Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Mid Oregon Credit Union “Employees and officials of the Credit Union, its subsidiaries and contractors.” > [source ↗](https://www.midoregon.com/membership/index.shtml) - Employee of Mid Oregon Credit Union ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Business and nonbusiness organizations “Business and nonbusiness organizations composed of individuals who are eligible for membership or whose members or employees are eligible for membership.” > [source ↗](https://www.midoregon.com/membership/index.shtml) - Member of Business and nonbusiness organizations ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member grandparent, parent, foster-parent, spouse, child, stepchild, grandchild, sibling, half-sibling, aunt, uncle, domestic partner “Individuals who are immediate families of any member or eligible member, including grandparents, parents, foster-parents, spouse, children, stepchildren, grandchildren, brothers, sisters, half-brothers, half-sisters, aunts, uncles, and domestic partners of a member.” > [source ↗](https://www.midoregon.com/membership/index.shtml) - Family member (grandparent, parent, foster-parent, spouse, child, stepchild, grandchild, sibling, half-sibling, aunt, uncle, domestic partner) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Mid Oregon Credit Union? Yes No ## Work at Mid Oregon Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Mid Oregon Credit Union ranks against Oregon peers. - See which AI assistants fetched Mid Oregon Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Oregon - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=mid-oregon&state=oregon&code=OR&name=Mid%20Oregon%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Mid Oregon Credit Union offer? Mid Oregon Credit Union currently offers mortgage, vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Mid Oregon Credit Union rates updated? RateAPI verifies Mid Oregon Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Mid Oregon Credit Union's rate data? Rate data is collected directly from Mid Oregon Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Mid Oregon Credit Union's mortgage rate? As of November 12, 2026, Mid Oregon Credit Union offers a 30-year fixed mortgage at 7.039% APR. ### Who can join Mid Oregon Credit Union? Mid Oregon Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 employer and 1 association for Mid Oregon Credit Union, each quoted from Mid Oregon Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Mid Oregon Credit Union's rates against national credit-union benchmarks. [More Oregon credit unions](https://rateapi.dev/credit-unions/oregon) [Oregon mortgage rate leaders](https://rateapi.dev/mortgage-rates/oregon) [Oregon auto loan rate leaders](https://rateapi.dev/auto-loan-rates/oregon) [Oregon personal loan leaders](https://rateapi.dev/personal-loan-rates/oregon) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.midoregon.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Mid Oregon Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Oregon credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Mid Oregon Credit Union curl "https://api.rateapi.dev/credit-unions/oregon /mid-oregon " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Mid Oregon Credit Union locations Search, filter, and browse all 9 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/oregon/mid-oregon Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp