The Bottom Line
Small business is important to Central Oregon, and to Mid Oregon. Find tips and resources for business, and information about Mid Oregon’s commercial services and business members.
Getting in Financial Shape this Summer
6 Tips for Getting in Financial Shape this Summer
At a time when many are busy getting their bodies beach ready, why not consider whipping your finances into shape this summer. Could you use a few tips for getting in financial shape?
Here are six things you can do to get your financial situation looking right.
1. Put Your Money On Autopilot
Set up direct deposit, authorize electronic payments, and automate routine savings. Streamlining your finances with online tools is about more than just saving time–it’s fun, helps you avoid late fees and overdraft fees, and helps you save money. Mid Oregon has the digital tools you need. Our mobile app give you convenience and control. Deposit checks, turn your debit card on and off, and many more features.
2. Create a Budget
Only about 40% of adults have a spending plan, according to the National Foundation for Credit Counseling. Create a plan by comparing expenses to monthly take-home pay. Look for spending leaks and make adjustments where necessary. Our loan officers can help you get started.
3. Build An Emergency Fund
Fifty-six percent of Americans don’t have a rainy day fund. Strive to save three to eight months of income and increase savings from there. Setting up an automatic transfer from checking to savings can help you build this fund. Savers’ Club Certificates are the perfect way to build up your fund. Read more about emergency funds.
4. Build Up Your Credit Score
Pay all bills on time, every time; keep a low utilization ratio; don’t open a flurry of new accounts in a short time period; don’t close existing credit; and pay your fines. Whether it’s a parking ticket or a library fine, pay up. If debts are reported to a credit reporting agency, they can knock down your credit score. For adults without credit scores or those trying to raise their score, our Credit Builder Loans can make a world of difference. Visit one of our 7 Central Oregon branches or email us to learn more.
5. Review Your Credit Report
Routinely checking your credit report can keep you informed of your credit score and of fraudulent activity on your accounts. Request one free credit report a year from each of the three major credit reporting bureaus by visiting annualcreditreport.com, the only website authorized to provide free reports. You also can call 877-322-8228 or complete the Annual Credit Report Request Form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA, 30348-5281.
6. Beef up retirement funds
Make regular contributions to a retirement savings plan such as a 401(k) or IRA. If your company offers a 401(k) plan, contribute at least enough to meet the company match. If you don’t it’s like leaving free money on the table. Also consider opening an IRA at your Mid Oregon.
Would you like some additional tips? Visit any Mid Oregon branch and discuss your situation with one of our team. We would love to help you get in financial shape this summer!
Picnic in the Park’s 15 Year Anniversary
Every year one of the highlights of the Central Oregon summer is the Picnic in the Park Summer Concert Series, and this year promises to be no different. On Wednesday, July 17, the Picnic in the Park’s 15 Year Anniversary opening celebration kicks off at Pioneer Park in Prineville with Northwest favorite Precious Byrd, beginning at 6 pm. As always, admission is free. The series, hosted by the Crook County Foundation, is made possible through the contributions of Mid Oregon Credit Union, Oregonians Credit Union, The Prineville-Crook County Chamber & Visitor Center, and more.
Precious Byrd on 7/17
Precious Byrd is one of the most sought after bands in the Pacific Northwest. Voted #1 Party Band in Oregon multiple years running they have played for brands like Nike, Deschutes Brewery, Pendleton Whiskey, and more! Their fresh renditions of modern and classic hits, along with a number of high energy originals are sure to fill the dance floor and get people on their feet! For more information visit https://preciousbyrd.com/.
Make Your Evening More Enjoyable
Attendees of Picnic in the Park’s 15 Year Anniversary concerts should bring lawn chairs or blankets to sit on, and can pack their dinner or buy food at the park or nearby. Alcohol is not allowed in the Park, but non-alcoholic beverages are fine. It can get chilly later in the evening so bring a sweater, jacket or blanket to stay warm. Most nights are very mild and enjoyable. We hope you can join us on Wednesday nights. The lineup for 2019 is as follows:
2019 Lineup:
July 17- Precious Byrd. Opening Night! They draw thousands to local street festivals and events in their local area and continue to spread love and music wherever they go!
July 24- Joe Shinkle & 99 West. This country dance band will have you on your feet with the best of country classics and today’s country western.
July 31- The Rock Bottom Boys. Rock ‘N Roll with Hillbilly Soul! Join Lucky, Red and Henk. “Twisting and warping rock and roll hits” for fans across America!
August 7- (at the CC Fair*): Modern Gentlemen. Originally brought together as a quartet by the legendary Frankie Valli! With the stylings of the classic vocal groups of yesterday, they blend today’s sound creating the ultimate vocal experience for all ages! Mid Oregon is not a sponsor, but still a great concert!
August 14- Scott Brockett Band. This local favorite grew up singing his way through CCHS and all over Prineville. Making a name for himself on the Portland and regional music scene, his unique mix of classic rock, blues, R&B, and originals will surely be a concert you will enjoy!
August 21- The Notables. The big band era comes alive whenever the Notables Swing Band plays the great swing music of the 1930’s – 50’s. They are a 17-member band in Central Oregon that provides rousing, live, big band music for dancing and entertainment.
Picnic in the Park flyers to download and print:
Great Drake Park Duck Race—Ducks on Sale Now!
The 30th Annual Great Drake Park Duck Race is happening on Sunday, September 8, 2019. Be sure and buy a duck (or many) today to have your chance at winning one of 17 prizes — including a $20,000 Grand Prize voucher for a vehicle from Robberson Ford!
Where to Buy Your Ducks
Ducks cost just $5 each, and are available at any Mid Oregon Credit Union location, as well as locations of the other sponsoring credit unions, including First Community Credit Union, OnPoint Community Credit Union, and SELCO Community Credit Union. You can also purchase a duck from any member of the four local Rotary Clubs.
Prizes include:
- $20,000 Voucher toward vehicle purchase from Robberson Ford
- $1,895 Extended Rooftop Tent from CVT
- $1,315 Five-day RV Rental from Happy Campers RV Rentals
- $1250 1/2 Carat Diamond Earrings from Saxon’s Fine Jewelers
- $1200 Pair of Adult Season Passes from Hoodoo Ski Area
- $1,100 Traeger Grill Package from Miller Lumber
- $800 Helicopter Tour from Cascade Insurance Center
- $650 Golf and Overnight Stay package from Brasada Ranch
- $500 Gift Certificate for Les Schwab Tire Centers
- $500 Gift Certificate for Les Schwab Tire Centers
- $400 Level 2 Gift Card
- $400 Fred Meyer Gift Card from Amerititle
- $400 in Old Mill Bucks from Century Insurance
- $400 Amazon Gift Card from PacificSource Health Plans
- $275 Annual Car Wash Pass from Red Carpet Car Wash
- $200 Gift Card from Ace Hardware
- $150 Beef Package from Barley Beef
Duck Sales Support Local Nonprofits
In the 30 years since the first ducks hit the water in 1989, the Great Drake Park Duck Race has generated approximately $1.8 million in funds to support local nonprofits and charitable organizations.
This year, the funds from duck sales will benefit these local nonprofit organizations:
- Bethlehem Inn Kitchen
- Children’s Forest of Central Oregon
- J Bar J Vocational Project
- The Kids Center
- Mountain Star Family Relief Nursery
Bend Rotary Clubs Lead The Way
The Great Drake Park Duck Race is organized by the four local chapters of Rotary International: Rotary Club of Bend, Rotary Club of Bend Mt. Bachelor, Rotary Club of Greater Bend, and Rotary Club of Bend High Desert.
For updates on the activities on Race Day, as well as details about the nonprofits featured in this year’s event, please visit www.theduckrace.com. Hope to see you there!