CENTRAL OREGON -- The Mid Oregon Credit Union has launched a Workforce Housing Initiative.  Mortgage Manager Matt Mitchell says, "We are providing a discount to investors on the interest rate. The discoubnt can be as high as 2.5% for the first 5 years of the contract."  Mitchell says the real need for workforce housing is at 60-per cent of the median income in Central Oregon. He says to make the housing affordable, rent needs to stay under 30-per cent of a family’s income. Mitchell says< "If it goes over 30%, it’s not considered affordable." He notes that many families in Central Oregon are now paying 50-per cent of their income in rent.