With interest rates at historic lows some people in Central Oregon are restructuring their debt and trying to pay things off faster. Kyle Frick with Mid Oregon Credit Union says they are seeing a lot of people being pro-active with their finances. “Even for people who've suffered through this recession and have had some really bad things happen to their credit; right now obviously is a great time to think, “What can I be doing to try and repair my credit report and take advantage of these rates?” And for some people its a lot easier than they think."

One popular option is a credit card that is 5.84%. He says the card doesn't have a balance transfer or cash advance fees. He says credit unions are also limited to charging 18% at the most on any loans.