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.

La Pine High School Credit Union Branch
Mid Oregon Opens First Student-Run Credit Union Branch in Central Oregon!
La Pine High School branch location offers experiential on-site career training; provides all students with real-world money management experiences.
The newest branch of Mid Oregon Credit Union has been open for nearly two weeks, but it’s understandable that you haven’t noticed—it’s not accessible to the public. The branch, complete with teller station, computers and its own two-person team, was built exclusively for a select group of members—the students and staff at La Pine High School.
First in Central Oregon
This student-run branch is the first of its kind in Central Oregon, part of a partnership between Bend-La Pine Schools and Mid Oregon Credit Union and funded by a grant from the Northwest Credit Union Foundation. The aim is two-fold: Provide new real-world career training for local students, and create additional opportunities for all students to gain critical financial literacy skills.
“This opportunity is unlike any other Career Technical Education business program in Central Oregon,” says La Pine High School Business Instructor and Student Branch Advisor Jeff Baisch. “Our Hawk Branch will provide on-site job experience, connections to classroom content, and hands-on learning for our students. We are extremely fortunate to have Mid Oregon Credit Union as our partner. This project would have never been possible without their dedication to the community and to financial education for students.”
The student branch will operate four days each week during lunch breaks and is staffed by two La Pine High School student tellers. During the summer, both students completed Mid Oregon’s extensive teller training program at the nearby La Pine branch, and work as interns at the branch during school holidays.
Preparing Students for Success
“Professionally, the credit union job is preparing me for my future career as a businesswoman,” says student teller Eden Stahl. “Even if I don’t stay in the banking business, the skills I am learning now will be transferable to many jobs out there in the world.”
Student teller Stephanie Miller agrees. “My job at the credit union is helping me prepare for my future as a young adult. I have learned the responsibility of saving your money, sticking to a budget, and when things go wrong, to take matters into my own hands instead of waiting for it to work itself out.”
The in-school location is set up to accept student deposits and withdrawals, initiate account openings, and offers its own “Hawks Checking” account—a free account with debit card specifically designed for La Pine High School students. For many students, this account provides them with their first real-world experience managing their own money.
The Beginning of a Rewarding Journey
“Although this is the first student branch for us in Central Oregon, credit unions have been successfully operating these programs since the 1990s,” says Mid Oregon’s VP Marketing, Kyle Frick. “We’re excited to bring this pilot program to La Pine High School, and appreciate the support and relationships we are building with students and staff.”
“The developmental process in working with Mid Oregon in creating a student branch has been a rich and rewarding journey for all involved,” says La Pine High School principal Matt Montgomery. “We look forward to the opportunities that this partnership will bring to our students and community.”

Tips for Black Friday and Cyber Monday Shopping
The holiday season is approaching and with that comes the biggest shopping days of the year, Black Friday and Cyber Monday. These high days for shoppers follow Thanksgiving each year. To make the most of these days, we offer you the following advice:
1. Make a budget and follow it. Know how much you can afford to spend and stick to that amount. Use cash to avoid overspending.
2. Just like Santa, you gotta have a list. Write down everything you plan to shop for and put them in order of importance. That way, as soon as you enter a store, you can focus on finding those items first.
3. Get out early. The earlier you get to the store, the better your chances of finding popular items in stock.
4. Shop with a friend. Not only is it fun, but you can work together and find your gifts faster. While you hunt for items in one section of the store, your friend can search for items in another section. A friend can also help you stick to your list- and budget.
5. Sign up to get alerts about various products. There are websites, like bestblackfriday.com, dealnews.com, and theblackfriday.com, that specifically leak Black Friday ads, giving you an early advantage.
6. Use online price comparison tools. Google shopping, PriceGrabber, and Shopzilla allow you to compare prices at various location without having to drive all over town.
7. Use loyalty programs. Many retailers have loyalty programs that offer sales and promotions to their members first and even earn rewards on their purchases.
8. Follow your favorite brands on Social Media. Many retailers will offer special deals on their social media platforms and reward customers who like or follow them with special alerts to discounts.
9. Check timing. Some Cyber Monday deals are for a certain window of time, offering the steepest discounts to early morning shoppers. Check deals before that Monday to know what time to shop for the best deals.
10. Look for deals at Brick-and-Mortar Stores on Cyber Monday. If a store’s Black Friday sales were lower than expected, many will offer deals to lure Cyber Monday shoppers.
After all that shopping, consider participating in Giving Tuesday, which is celebrated the first Tuesday after Thanksgiving. It’s an international movement that encourages everyone to donate their time, resources, talents, and money to helping others. You can get information and updates about the movement by going to https://www.givingtuesday.org/about or following it on social media sites.

Discounts for Military Personnel and Veterans
There is no greater sacrifice than putting one’s own life on the line for the sake of others. The men and women currently in the military or our veterans are honored each year on Veteran’s Day for their courage in times of war, their discipline, and their service to our Country. As a small gesture of appreciation, many businesses offer Military members special discounts and deals – and not just on Veterans day!
Here is a list of websites that offer deals and discounts specifically for active duty, reservists, retirees, veterans, and their families:
• The Military Wallet https://themilitarywallet.com/military-discounts/ Discounts on retail stores, airlines, hotels, restaurants, and entertainment.
• Military.com https://www.military.com/discounts Scroll to the bottom of the list to “Popular Categories” to find listings for discounts and freebies on specific types of products and services.
• Deal News https://www.dealnews.com/features/Oorah-Ka-Ching-Guide-to-Military-Discounts/1114657.html has a list of discounts and freebies offered specifically to active duty, reservists, veterans, and their family members.
• Military Benefits https://militarybenefits.info/military-discounts/ lists hundreds of discounts for various products and services which are available to veterans year-round.
• Veterans Advantage https://www.veteransadvantage.com/ To get special military deals, you must show your government-issued Military or veteran ID. Those cards contain sensitive information that could put you at risk of identity theft. One of the benefits on this site is to offer their free VetRewards Secure Military ID, which only shows your name, branch of service, and VetRewards Member ID. When doing business with their Benefit Partners, you only need to show this VetRewards card.
If you are currently on active duty or are a veteran, always ask if the retailer or service provider offers a military discount.
Members of Mid Oregon Credit Union, including our military members, are eligible for the Love My Credit Union Rewards program. Discounts for Mid Oregon members are available for Sprint, Intuit Turbotax, ADT and over 1.500 online retailers. To learn more, visit our Financial Partners Page or Love My Credit Union Rewards.