eNews | October 2022
Credit card management is an important skill to develop to ensure your long-term financial health. Having smart strategies for spending, making payments on time, and monitoring usage might seem daunting, but can have a big impact on your credit score—and stress level.

Studies have shown that most American adults have at least one (or more) credit cards. Many of the things we love about them—convenience, safety, tracking, rewards—are the same qualities that can tempt us into overuse.

We then find ourselves at the end of the billing cycle and confronted by our credit card debt, as well as the interest rate associated with any carryover balances. These unpaid balances can accumulate over time and seem impossible to get under control.

Remembering a few simple tips may save you time, money and headaches down the road.
Calendar of Events
OCTOBER 2022

04 In-person Financial Workshop: What you need to know about Medicare
Presented by Bancorp Insurance, La Pine Branch, 6-7:30 p.m. Register today.

10 Columbus Day/Indigenous People's Day—Mid Oregon Closed
All Mid Oregon locations will be closed. You can still access your money anytime using Digital Banking or at more than 30,000 CO-OP ATMs.

13 Webinar: Estate Planning Essentials
Special Guest Jeff Patterson, Lynch Murphy McLane LLP, 10-11 a.m. Register today.

20 Webinar: Understanding the Medicare ABCs
Presented by Emily Carrick, PacificSource,
10-11 a.m. Register today.
NOVEMBER 2022

08 Webinar: Building a Basic Budget
Presented by Wayne Hanson, Mid Oregon Community Development Offficer, 7-8 p.m. Register today.

11 Veterans Day—Mid Oregon Closed
All Mid Oregon locations will be closed.

14-Dec 16 Holiday Dough Fundraiser Begins
Mid Oregon's Holiday Dough encourages members to make financial contributions to help provide much needed food, clothing and shelter for vulnerable individuals and families during the holiday season.

24 Thanksgiving Day—Mid Oregon Closed
All Mid Oregon locations will be closed.
Have You Heard?

Mid Oregon Credit Union has been awarded a Top Workplaces 2022 honor by The Oregonian Top Workplaces!

"This award is especially meaningful because it is based solely on employee feedback," said Kevin Cole, Mid Oregon President. "It sends a powerful message to potential job seekers and consumers that Mid Oregon is a trusted local organization that values fostering a positive work environment and attracting the best talent."

Mid Oregon ranked 25th in Oregon in the Midsize Companies Category—one of four Oregon credit unions to be listed among the 134 companies chosen for this designation.
Fraud Prevention—The Latest Airline Rebooking Scams
It's October and the time when most of us begin planning our holiday travel. Sadly, scammers are planning their latest nefarious schemes as well.

According to the Better Business Bureau, their Scam Tracker “has received multiple reports of scammers creating fake airline ticket booking sites or customer service numbers to charge travelers for rescheduling fake flights.” It’s an abysmal scenario for travelers, but a great one for scammers.

However, beating the airline scams may be as simple as following some basic tips when booking your next airline ticket—avoiding losing time and money to airline scammers.
Member Products and Promotions
Get control of your credit card balances before the holiday spending season and SAVE!

Transfer your balances from another credit card issuer anytime in the month of October to a Mid Oregon VISA,® and pay 0% APR on your transfer until June 2023 (and no balance transfer fee)!

If you don’t have a Mid Oregon VISA yet, what are you waiting for? See complete offer and apply today!

Interested in transferring a balance, but unsure if it's for you? Read our blog for more information on the benefits.
Kick off the holiday season early by treating yourself to a new or used auto and take up to 90 days to make your first payment!

Whether it’s a car, truck, SUV, van, crossover or RV—Mid Oregon has the financing you need. We also fund loans for commercial vehicles.

Already have an auto loan elsewhere? Refinance with Mid Oregon at a lower rate.

Take advantage today of our competitive rates and cruise into the holiday season in style!
Fall is here, which means old man winter is getting ready to make his annual appearance.

October is a great time to prepare your home for holiday entertaining or to complete repairs and renovations before the winter weather hits.

Whatever your needs—now is a great time to get a Mid Oregon home equity line of credit (HELOC).

Get started by using our easy online application.
Now is a great time to refer your family and friends to Mid Oregon.

When they open a new Simply Free checking account between now and October 14, not only will we buy back their old checks and debit cards (up to $10), YOU receive a $10 gift card and a chance to win a Traeger Ranger portable pellet grill!

Don't miss out on the chance to take your fall and tailgating adventures to the next level—refer today.
About Mid Oregon Credit Union
Mid Oregon Credit Union is a full-service, member-owned financial cooperative headquartered in and serving Central Oregonians since 1957. With more than 42,000 members in Deschutes, Jefferson, Crook, Wheeler, Lake, and North Klamath Counties and over $650 million in assets, Mid Oregon partners with members to meet their financial needs and to help them achieve their dreams. For more information about our services and branch locations in Bend, La Pine, Madras, Prineville, Redmond, and Sisters, please visit midoregon.com.