Malheur Federal Credit Union is here for our members during this difficult and stressful time. If you have been financially affected by the Coronavirus pandemic, our team is ready to provide financial support and discuss solutions. We understand each persons is unique, give us a call to identify options and solutions to help you.

Life Happens Loan Program
To give our members some breathing room, we’re offering a new Life Happens Loan Program. Click here to learn more. Below are the two options:


  • Life Happens Loan
    • 3% for up to $2,500
    • No loan/application fee
    • First payment after 60 days
  • Life Happens Skip Payment
    • Skip up to 3 months
    • No fee
    • Not available for mortgages or commercial loan

*Restrictions may apply*

How You Can Stay Safe & Prevent Spreading the Disease
The Coronavirus spreads mostly through the virus entering your body through contact with your eyes, nose and mouth. To prevent the germ from getting to those areas, your hands become a key factor that needs to be cared for. Experts suggest that people regularly was their hands with soap and water, or use hand sanitizer if washing your hands is not possible at that time. We touch hundreds of things everyday with our hands that have germs on them. Some major areas of concern at financial institutions include:

  • Cash used in transactions
  • Debit and credit cards
  • Transaction card readers and ATMs (anything with a pin pad)
  • Door handles
  • Public spaces with food and drinks

It is recommended that if you touch items other people interact with, wash and clean your hands often and avoid touching your face until you can do so. Disinfect items you regularly touch like your wallet, debit and credit cards, your smartphone, and your computer. We are taking steps internally to prevent the spread of germs and ask our members to do the same. If you are sick, it may be best to use a remote method to contact us. Our online banking, live chat, Support Center, and mobile app are all great ways to do your banking from a remote location.

Should I Withdraw Extra Cash?
Four reasons that may be a bad idea. Some people say you should withdraw cash to protect yourself during the coronavirus outbreak. We wonder, why? Here are four reasons withdrawing extra cash may actually be your worst possible move right now:

  1. Cash is vulnerable. Credit union accounts are federally insured to $250,000, making them a gazillion times safer than keeping your money under the mattress or in your pocket. If you cash is stolen from your house, car, or wallet, you’re out of luck, whereas losses from a stolen debit or credit card often are reimbursed. Since 1957, no one has ever lost a dime in savings at MFCU or any other federally insured credit union.
  2. Cash is not required. With so many secure ways to access your accounts and to pay your bills, there’s almost no reason you’ll need extra cash. The safest choice is to let your credit union keep your money safe in the vault, then pay with your convenient debit or credit card, or write a check, at the store. Plus, you can pay bills and loans online from your Bill Pay within online banking, or use our mobile app to deposit checks from home.
  3. Cash is tempting. With restaurants, conventions, sports and entertainment centers, and other public places forces to close during the coronavirus outbreak, you may actually need less cash at this time. Unless, of course, you’ve got it stuffed in your wallet, tempting you to spend money you would not have spent if it were secure in the bank, earning dividends.
  4. Cash is, well, kind of dirty. As regards your personal health, the Centers for Disease Control and Prevention recommends always washing hands thoroughly after handling cash, because you never know where it’s been. It’s a good idea to keep a few dollars on hand for parking meters, yard sales, and so on. But carrying around your personal savings will not protect you from viruses or financial hardship.
Economic Injury Disaster Loan Program
Small business owners in all U.S. states and territories are currently eligible to apply for a low-interest loan due to Coronavirus (COVID-19). Click here to apply. Find more information on the SBA’s Economic Injury Disaster Loans at: The SBA will work directly with state Governors to provide targeted, low-interest loans to small businesses and non-profits that have been severely impacted by the Coronavirus (COVID-19). The SBA’s Economic Injury Disaster Loan program provides small businesses with working capital loans of up to $2 million that can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing.
For Spanish Speaking Business Owners
On April 16, from 1-2 pm, three SBDC advisors are hosting a Zoom webinar for Spanish speaking business owners on COVID response programs. o Facebook version o Zoom Link
Branch Lobbies Status

Branch Lobby Status:
– Ontario Lobby = OPEN
– Verde Express Lobby = OPEN
– Vale Lobby = OPEN
– Payette Lobby = OPEN
– New Plymouth Lobby = OPEN

For the health and safety of our staff and members we are observing social distancing best practices including:

  • Cleaning and sanitizing spaces between appointments
  • 6′ of space between people
  • Limiting the amount of people in a branch at a time
  • Appointments are highly encouraged for new loans or accounts
  • No appointment necessary for Teller transactions
Federally Insured
A credit union is one of the best places around to keep your money. All deposits at MFCU are federally insured up to $250,000 per account by NCUA, and continue to earn dividends regardless of public health concerns or Wall Street panic.
Health and Safety
Every MFCU branch location is receiving extra sterilization at all branches. We have provided all locations with Lysol, sanitizer wipes, and hand sanitizer and are communicating to our employees on best practices as recommended by the CDC.
Scam Warnings
Scam artists often prey on unsuspecting victims during emergencies. The Federal Trade Commission to be wary of medical breakthrough claims related to coronavirus, or requests for donations. The US Securities and Exchange Commission warns about supposed investment opportunities related to the outbreak. And the World Health Organization warns that criminals are phishing for personal data by posing as WHO representatives.
Reaching out from Home

For your convenience, we offer multiple ways to get in touch with MFCU. If you need help with anything you can:

Return to this page for future updates. We also invite you to follow us on FacebookTwitter and LinkedIn.

Need to Manage Your Account?

As much as all of us at MFCU enjoy seeing our members, we understand there can be hesitance around visiting public spaces. You’re in luck! There is no need to come into any branch to manage your money. MFCU offers safe and convenient alternatives that are accessible 24/7. The resources below can manage every aspect of your MFCU membership including balance inquiries, transferring funds, making payments, and much more.

  • Home and Mobile Banking – Not enrolled? Enroll Now
  • Support Center – (541) 889-3149
  • Phone Teller – (541) 889-1151 or (877) 889-1151
Need to Apply for a Loan?
Members can easily apply for loans online or over the phone at (541) 889-3149.
Need to Deposit a Check?
Checks can easily be deposited using Mobile Deposit inside our app. If you do not have online banking, you can easily deposit checks using the drive-thru lanes, Interactive Teller Machines (ITMs) or ATMs at our different branch locations.
Need to Deposit Cash?
You can always deposit cash using the drive-thru lanes, Interactive Teller Machines (ITMs), or ATMs located at our branches.
Need Cash?

MFCU offers ATMs for cash withdrawals at 4 of our 5 branches.

Need to Sign Forms or Documents?
MFCU has secure electronic signing solutions for forms and documents through eSign.