eNews | January 2023
Amazingly, it's that time—the new year has arrived and right on schedule. Now is when we reflect on the past 12 months, and make resolutions to improve certain areas in our lives—like our financial well-being. Whether you are trying to save money, reduce debt, increase your credit score, or fund a home improvement project, Mid Oregon can help.

Saving sufficiently for the future—whether that's tomorrow or years from now—is crucial. Perhaps 2023 is the time to focus on building your nest egg for emergencies, retirement, or simply peace of mind. Mid Oregon offers a variety of savings account options that pay competitive dividends:


  • Saver's Club Certificate—Set your goal and the amount you want to save every month. It's ideal for saving for something special or not being caught short during the holidays.


Minimizing debt is equally important. Consider applying for a home equity line of credit (HELOC) to consolidate debt or to build an ADU for extra income. How about transferring your high-interest rate credit card balance and take advantage of our no balance transfer fees?

Have you checked your credit score lately? Keep in mind that your credit score influences the type of financial options available to you—including interest rates on loans. Our Credit Savvy tool is a free, secure feature on our Digital Banking platform that you can use to improve your score, and monitor for potential fraud.

Building your financial plan does not have to be complicated. You can start by finding effective ways to make goals you can realistically achieve, and tools that will help get you there faster.
Calendar of Events
JANUARY 2023

10 Webinar: Reaching Your Financial Goals
Presented by Wayne Hanson, Mid Oregon Community Development Officer. 7-8pm. Are you determined to save for that upcoming trip or fund your emergency savings? You will learn what steps to take so your goals can become a reality. Register today.

16 MLK Day—Federal Holiday Closure
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.

24 In-person Workshop: Social Security and Your Retirement. Presented by Marc Cabanilla, Mid Oregon Wealth Management, 6-7 p.m. Mid Oregon's East Bend Conference Room. Regardless of when you plan to retire, Social Security will likely be an important part of the road. But, do you know the rules of the journey? Register today.
FEBRUARY 2023

11 Free Family Saturdays at the High Desert Museum, 10am-4pm (1 of 2). It's back! Mid Oregon has been a proud sponsor of Free Family Saturdays for many years and we're excited to welcome our members and the community to see what's new. Hope to see you there!

20 President's Day—Federal Holiday Closure
All Mid Oregon locations will be closed.

25 Free Family Saturdays at the High Desert Museum, 10am-4pm (2 of 2). Come join us!

MARCH 2023

04 Mid Oregon's 66th Annual Meeting,
Riverhouse Convention Center, 9 a.m.-11 a.m.
Community Corner
Through the generosity of our members and the community, Mid Oregon's 2022 Holiday Dough fundraising efforts collected $7,119 in donations for local nonprofits.

During November and December, Mid Oregon invited the community to make financial contributions online, by phone, or at any of its seven branches to assist local charities. These proceeds provided much-needed food, clothing, and shelter for vulnerable individuals and families during the holiday season.

One hundred percent of the contributions stay in the community where they were collected and benefit The Giving Plate (Bend), La Pine Christmas Basket Association, Redmond Jericho Road, Jefferson County Food Bank, Crook County Holiday Partnership, and Sisters Kiwanis Food Bank.

Since 2013, Mid Oregon members and the community have donated nearly $36,000 to local food banks through Holiday Dough—helping to bring holiday cheer to local families.

Thank you, members, for your support!
In our continuing effort to provide the highest level of account security, Mid Oregon’s Digital Banking will be updated to accept three best methods of two-factor authentication of your login information. After February 2023, email addresses will no longer be accepted as a method of two-factor authentication within Digital Banking.
 
Be sure your account settings are updated to use the most effective authentication methods—login to your account at your earliest opportunity, and select Settings from the Tools menu. In the Security tab, under Two-Factor Authentication, you may choose from the following options:

  • Code by text message (SMS)
  • Code by voice call
  • Two-factor authenticator app, such as Duo Mobile, Google/Microsoft Authenticator, or Twilio’s Authy.
 
If you have questions about your account security, or need help with your settings, please contact Mid Oregon using the Secure Messaging function located within Digital Banking. Thank you for your cooperation in keeping your accounts at Mid Oregon secure!
Some friends are forever, and others are social media friends you no longer need, want, know, or trust. It’s a segment of social media that often gets overlooked, and revisiting that list of friends who have access to your posts can improve your online security.

The new year is the perfect time to take stock of your list and do a friendship sweep. You may not be the person you were then, and your circle of friends may not be the same either. So why are they still on your friends list?
Member Products and Promotions
Mid Oregon members receive special discounts on tax prep solutions with TurboTax® Federal and H&R Block®.

Save up to $15 on TurboTax federal products. PLUS, if you begin your return with TurboTax by Feb. 16, 2023, you'll automatically be entered for a chance to win $10,000!

New H&R Block clients save $25 on in-office tax prep services and returning clients get the Tax Identity Shield® add-on for FREE.

Whether you file on your own or get help from a tax pro, you’re in good hands. Visit midoregon.com for more information.
Don't forget to mark your calendar for Mid Oregon's 66th Annual Meeting on March 4.

Date: Saturday, March 4, 2023
Location: Riverhouse Convention Center, 9 a.m.-11 a.m.

Our annual meeting is held every March to share the state of the credit union, as well as vote on any pertinent changes, and conduct Board elections. This will be a great opportunity to meet your Board of Directors and new CEO/President, Kevin Cole. We look forward to meeting with you in March. More information to follow.
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 over 43,500 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. Mid Oregon was recently named a Top Workplace in Oregon and Southwest Washington for 2022. For more information about our services and branch locations in Bend, La Pine, Madras, Prineville, Redmond, and Sisters, please visit  midoregon.com.