Pay-off Your Home Loan
Positive with an
Reflections Accelerator Mortgage
The accelerator loan is a short-term, limited-
As of December 31, 2011 fee mortgage that was designed to help
homeowners pay off their mortgage quicker.
Assets $149,378,328 Many homeowners have low balances on their
current mortgages but might be discouraged
from refinancing due to the many fees incurred
Loans $100,903,375 in a traditional mortgage refinance.
Shares $135,114,108 Mid Oregon offers an accelerator mortgage
with a low interest rate, shorter flexible
terms, and one affordable fee.
Members 20, 943
Call a loan specialist today to find out how!
Refer a Please join us
55 th ANNUAL
Know anyone who is buying or refinancing
a car, truck or RV? MEETING
Receive $50 by referring a friend to Mid Oregon for a new
loan. PLUS ... your friend will receive $50 too!
Saturday, March 10, 2012
They will appreciate you helping them save money on an affordable Riverhouse Convention Center
loan with Mid Oregon’s great service. Simply print the Refer a Friend
form by going to www.midoregon.com, or obtain one at any Mid
9:00 a.m. Breakfast Buffet
Oregon branch. Complete the form and give it to your friend. At the 9:45 a.m. Business Meeting
time of loan application they can present the Refer a Friend form to RSVP by calling
a Mid Oregon loan representative, that’s it!
Some restrictions apply, so please contact us for complete details.
P.O. Box 6749 | Bend, OR 97708-6749 Bend: 202 NE Olney (Corner of 2nd & Olney) Federally insured by NCUA
East Bend: 1386 NE Cushing Drive (South of Neff, off 27th)
(541) 382-1795 | (800) 452-3313 Prineville: 305 NE Hickey Farms Road (In front of Bi-Mart) Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government
w w w. m i doregon.com
Redmond: 2625 SW 17th Place (Next to Bi-Mart) NCUA
Madras: 395 SE Fifth Street (At Fifth and “F” Streets)
National Credit Union Administration, a U.S. Government Agency
President’s Promoted to
Vice President of
Maureen Rogers, Mid Oregon
By Bill Anderson, President/CEO Credit Union COO announced the promotion of Curtis
Fitzwater to Vice President of Finance. Curtis has been
Make 2012 the Best Year Ever! with Mid Oregon since 2008, holding the position
There has never been a better time to get your finances in of Controller. As a financial institution professional
since 1978, and credit union professional since 1990,
order and the credit union has some great ways to help.
Fitzwater will be responsible for assisting in the overall
Do you have a plan for success?
financial management of the credit union, liquidity
“People with goals succeed because they know where management, and plastic card programs.
they are going. It’s as simple as that.” - Earl Nightingale
“Curtis has proven himself to be a great asset to the
Here are some ideas to help you set goals and make credit union in many areas of financial management”,
2012 the best year ever. said Maureen. “He provides leadership with respect
to financial decisions, including expense control and
1. Take time to dream and dream big! Write your revenue growth, which ensures stability and soundness
dreams into tangible goals. for the credit union and our members. We’re very happy
to have a quality individual such as Curtis as part of our
2. Envision what will be happening when your dreams Executive Team.”
come true. How will you be different? Imagine
yourself in that state.
• Has your home lost value?
3. Revisit your written goals and dreams often.
• Have you attempted to refinance but
4. Share your dream and goals with supportive couldn’t due to a lack of equity?
• Are you current on your mortgage
5. Celebrate your accomplishments however small. payment?
The feeling of satisfaction is what inspires us to If you answered YES to any of these questions, it may
keep pushing through the tough times. So enjoy be the time to take a second look at a refinance. With
the fruits of your labor! the recent easing of the lending criteria required
by the Home Affordable Refinance Program (HARP),
If your goal is to pay off that mortgage faster, look at our
many borrowers who couldn’t previously qualify for
Accelerator Mortgage. Get a great rate and one low fee a new loan may now be able to take advantage of the
(as low as $695). extremely low mortgage rates currently available.
The credit union has excess deposits that we would like Contact Jen Forsey of Arbor
to loan to you, our members. If you have a need or want Mortgage Group for key details.
to take advantage of the low rates to do something you Her office is located at Mid
have been wanting, needing or dreaming about ... NOW Oregon’s East Bend branch.
is the time to get it done! A Division of Pinnacle
Capital Mortgage Corp. NMLS-81395
Bill Anderson Jen Forsey (541) 585-1819 MLO-419015
Maximum refund guaranteed.
Mid Oregon Credit Union members can now file their simple federal
returns FREE with TurboTax® Federal Free Edition.
FREE to prepare, FREE to print and FREE to file your simple federal return.
Try Turbo Tax for FREE today! Visit www.midoregon.com to get started.
MaximizeYour Money workshops to help you make the most of your financial resources
FREE Financial Workshops are held at the East Bend Branch, upstairs conference room located at 1386 NE Cushing Drive .
Call 541- 382-1795 to reserve your seat. Refreshments will be served.
NEW! WORKS H O P F R E E WO R K S H O P NEW! WO R K SHOP
Social Security and Your Understanding Women and Money II:
Retirement Homeowners and Renters Are You Covered?
Tuesday, February 21 - 6 p.m. Insurance Thursday, March 22 - 6 p.m.
Thursday, February 23 - 6 p.m. Presenter:
Presenter: Lori Raab, News
JC Hallman, VP Director, Combined
Wealth Management Joseph Brinkley,
Account Executive Communications
This workshop is targeted to women
Workshop objectives: of all ages who want to take control
› Review the value of Social Security Understand your insurance. Learn:
of their personal finances, prepare
› Discuss the “rules of the road” for The definitions/parts of your
› for life’s uncertainties, and develop a
receiving Social Security benefits declarations page personal action plan. Topics include:
› Consider possible routes to take to
maximize benefits › Forms and endorsements › How to protect your credit rating
› Discuss the future of Social
› Coverage limits › How to avoid fraud
Security and the challenge of
› How to prepare for the “what
setting up a retirement income › Liability
stream if’s” (suddenly single, divorced,
› Describe the retirement income › Rating and pricing widowed, returning student, job
planning process available through loss, and more)
› Methods of buying insurance
a financial institution › Develop a personal action plan
FREE WORKSH O P F R E E WO R K S H O P Mid Oregon Cre d i t U n i o n
Organize Your Financial Get the Best Car Deal Now Offe rs
Records Thursday, March 29 - 6 p.m. I D T h e f t P ro te c t i o n
Tuesday, March 27 - 6 p.m.
Your identity is unique, and we
Presenter: Tom Collier
want to help you keep it that
Riki Strong, Mid Tom Collier way! That’s why we are providing
Oregon HR/Training Classic Motor Car Co you with access to identity theft
Coordinator protection services through ITAC
Sentinel, a nonprofit coalition
of financial services companies
Take the time to do your homework united in their commitment to
At this workshop you will learn the
before shopping for a new or used protect their customers from
benefits of getting organized, why
vehicle. You could save hundreds identity theft.
some record keeping systems fail, how
or more! Learn how to deal with
to develop an efficient bill pay system,
dealers; how to negotiate the best Enroll and view 3 credit scores and
what records to keep and for how long,
car price; the benefits from buying report today. Call (877) 226-1824
how to take a home inventory, what to
used; how to decipher financing or visit midoregon.com and click
have handy in case of a natural disaster,
options and warranties, and more. ID Theft Protection under “What’s
and where to go for help.
New”. Your Promo Code is 55476.
Have you had your review yet?
Top financial advisors say that a review of your
home and auto insurance products every few
years will usually be the largest savings you
can make in your family budget. Joseph Brinkley, 541-382-7772
Call Joseph for a free insurance quote!
An average savings could be between
$250 and $500, and sometimes more per
year. Call and schedule your free review with Joseph today.
Pick up the insurance review checklist by clicking Cascade Insurance Center at
Photo courtesy of Lee Schaefer
High Desert Museum Spring Skip-a-Payment
Mid Oregon Credit Union’s
Enjoy extra cash and support children and families!
Free Family Qualified members may choose to skip their loan payments for February,
March, or April by paying a small fee of $25 per loan skipped. Plus, a portion
Saturday of the fee supports children and families through the St. Charles Foundation.
at the Some restrictions apply, so please contact us for complete details.
High Desert Museum Your loan(s) must be in good standing and not under a modification
agreement. You must have made at least six (6) consecutive payments.
Interest will continue to accrue on all skipped payments which may extend the
Febr u a r y 2 5 , 2 0 1 2
term of your loan. Skip-a-Payment does not include real estate secured loans.
1 0 - 4 p. m . Go to www.midoregon.com for a Spring Skip form, pay us a visit, or call 541-
The 541 / 382-4754
Desert highdesertmuseum.org Holiday Closing: February 20, 2012 - President’s Day
MuseuM Located just south of Bend
BenD, OregOn on Highway 97
PERMIT NO. 3
PAID Bend, Oregon 97708-6749
U.S. POSTAGE PO Box 6749