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Sage Credit Union

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Sage Credit Union Rates & Review November 2026

Q: What are the current interest rates at Sage Credit Union?

Current rates for Sage Credit Union include: 12-Month CD: 0.65%, 18-Month CD: 0.75%, 24-Month CD: 1.20%, 60-Month CD: 1.50%, Savings: 2.01%, MMA: 1.25%

Q: What CD terms does Sage Credit Union offer?

Sage Credit Union CD rates are 4.05% APY for an 11 month CD, 5.00% APY for a 12 month CD, 2.43% APY for an 18 month CD, 2.94% APY for a 2 year CD, 3.45% APY for a 3 year CD and 1.50% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Sage Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Sage Credit Union's 12 Month Pathfinder Term CD rates are at 5.00%, 11 Month Term CD rates are at 4.05%, 36 Month Indexed CD - 3 rates are at 3.45%, 24 Month Indexed CD - 2 rates are at 2.94%, 18 Month Indexed CD - 1.5 rates are at 2.43%. Sage Credit Union's savings rates are at 2.01%. Sage Credit Union's money market rates are at 1.25%. Sage Credit Union's checking rates are as high as 7.00%. Sage Credit Union's Personal Loan Rates are as low as 10.99%. Sage Credit Union's Credit Card Rates are at 7.99%. Sage Credit Union's CD rates are 7% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Sage Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.70%. Rates last updated and verified on 10/28/2026.

Sage Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Sage Credit Union? Share your experience about Sage Credit Union by leaving a review below, or read customer reviews before you decide to use Sage Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.70%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Sage Credit Union
Washburn Branch

2972 Washburn Way
Klamath Falls, OR 97603

https://www.sagecu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Sage Credit Union CD Rates

Product	Rate	APY	Term
12 Month Pathfinder Term Share Certificate	4.89%	5.00%	12 month
Min Deposit $100 Min Balance $100 Details Balance: $100.00 - $4,999.99; Pathfinder accounts are for members 17 years and younger; Rates effective January 1, 2026 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
11 Month Term Share Certificate	3.98%	4.05%	11 month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00+; 11 Month Certificate; New Money Requirement: minimum 50% of deposited funds must be new money; additional deposits allowed only within first 7 days Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
60 Month IRA Term Share Certificate	3.93%	4.00%	60 month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
48 Month IRA Term Share Certificate	3.69%	3.75%	48 month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
60 Month IRA Term Share Certificate	3.69%	3.75%	60 month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
36 Month IRA Term Share Certificate	3.45%	3.50%	36 month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
48 Month IRA Term Share Certificate	3.45%	3.50%	48 month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
60 Month IRA Term Share Certificate	3.45%	3.50%	60 month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
36 Month Indexed Share Certificate - 3	3.40%	3.45%	36 months
Min Deposit $3,000 Min Balance $3,000 Details Balance: $3,000.00 - $2,000,000.00; Variable rate: dividend rate is the Federal Reserve IORB minus 0.50%, floor 0.30%, cap 10.00%; Rates effective October 1, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
24 Month IRA Term Share Certificate	3.20%	3.25%	24 month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
36 Month IRA Term Share Certificate	3.20%	3.25%	36 month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
48 Month IRA Term Share Certificate	3.20%	3.25%	48 month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
12 Month IRA Term Share Certificate	2.96%	3.00%	12 month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
18 Month IRA Term Share Certificate	2.96%	3.00%	18 month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
24 Month IRA Term Share Certificate	2.96%	3.00%	24 month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
36 Month IRA Term Share Certificate	2.96%	3.00%	36 month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
24 Month Indexed Share Certificate - 2	2.90%	2.94%	24 months
Min Deposit $2,000 Min Balance $2,000 Details Balance: $2,000.00 - $2,000,000.00; Variable rate: dividend rate is the Federal Reserve IORB minus 1.00%, floor 0.20%, cap 10.00%; Rates effective October 1, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.94% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
12 Month IRA Term Share Certificate	2.72%	2.75%	12 month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
18 Month IRA Term Share Certificate	2.72%	2.75%	18 month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
24 Month IRA Term Share Certificate	2.72%	2.75%	24 month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
6 Month IRA Term Share Certificate	2.72%	2.75%	6 month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
12 Month IRA Term Share Certificate	2.47%	2.50%	12 month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
18 Month IRA Term Share Certificate	2.47%	2.50%	18 month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
6 Month IRA Term Share Certificate	2.47%	2.50%	6 month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
18 Month Indexed Share Certificate - 1.5	2.40%	2.43%	18 months
Min Deposit $1,500 Min Balance $1,500 Details Balance: $1,500.00 - $2,000,000.00; Variable rate: dividend rate is the Federal Reserve IORB minus 1.50%, floor 0.15%, cap 10.00%; Rates effective October 1, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.43% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
6 Month IRA Term Share Certificate	2.23%	2.25%	6 month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Rates effective July 1, 2026; IRA subject to IRS limitations; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
60 Month Term Share Certificate	1.98%	2.00%	60 month
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 + Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
12 Month Indexed Share Certificate - 1	1.90%	1.92%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $2,000,000.00; Variable rate: dividend rate is the Federal Reserve IORB minus 2.00%, floor 0.10%, cap 10.00%; Rates effective October 1, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.92% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
48 Month Term Share Certificate	1.88%	1.90%	48 month
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 + Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
60 Month Term Share Certificate	1.88%	1.90%	60 month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
36 Month Term Share Certificate	1.79%	1.80%	36 month
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 + Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
48 Month Term Share Certificate	1.79%	1.80%	48 month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
60 Month Term Share Certificate	1.79%	1.80%	60 month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
24 Month Term Share Certificate	1.69%	1.70%	24 month
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 + Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
36 Month Term Share Certificate	1.69%	1.70%	36 month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
48 Month Term Share Certificate	1.69%	1.70%	48 month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
60 Month Term Share Certificate	1.69%	1.70%	60 month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
24 Month Term Share Certificate	1.59%	1.60%	24 month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
36 Month Term Share Certificate	1.59%	1.60%	36 month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
48 Month Term Share Certificate	1.59%	1.60%	48 month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
60 Month Term Share Certificate	1.59%	1.60%	60 month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
24 Month Term Share Certificate	1.49%	1.50%	24 month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
36 Month Term Share Certificate	1.49%	1.50%	36 month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
48 Month Term Share Certificate	1.49%	1.50%	48 month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
60 Month Term Share Certificate	1.49%	1.50%	60 month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
24 Month Term Share Certificate	1.39%	1.40%	24 month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
36 Month Term Share Certificate	1.39%	1.40%	36 month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
48 Month Term Share Certificate	1.39%	1.40%	48 month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
24 Month Term Share Certificate	1.29%	1.30%	24 month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
36 Month Term Share Certificate	1.29%	1.30%	36 month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
18 Month Term Share Certificate	1.25%	1.25%	18 month
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00+ Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
24 Month Term Share Certificate	1.19%	1.20%	24 month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
12 Month Term Share Certificate	1.14%	1.15%	12 month
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 + Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
18 Month Term Share Certificate	1.15%	1.15%	18 month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
6 Month Term Share Certificate	1.09%	1.10%	6 month
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 + Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
12 Month Term Share Certificate	1.05%	1.05%	12 month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
18 Month Term Share Certificate	1.05%	1.05%	18 month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
6 Month Term Share Certificate	1.00%	1.00%	6 month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
12 Month Term Share Certificate	0.95%	0.95%	12 month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
18 Month Term Share Certificate	0.95%	0.95%	18 month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
6 Month Term Share Certificate	0.90%	0.90%	6 month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
12 Month Term Share Certificate	0.85%	0.85%	12 month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
18 Month Term Share Certificate	0.85%	0.85%	18 month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
6 Month Term Share Certificate	0.80%	0.80%	6 month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
12 Month Term Share Certificate	0.75%	0.75%	12 month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
18 Month Term Share Certificate	0.75%	0.75%	18 month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
6 Month Term Share Certificate	0.70%	0.70%	6 month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
12 Month Term Share Certificate	0.65%	0.65%	12 month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
6 Month Term Share Certificate	0.60%	0.60%	6 month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

Sage Credit Union Savings Rates

Product	Rate	APY
Pathfinder Savings	2.00%	2.01%
Min Deposit $5 Min Balance $5 Details Balance: $5.00 - $2,000.00; For members 17 years and younger; Only funds in each tier earn that tier's rate; Rates Effective: July 1, 2026 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Traditional, ROTH, & SEP IRA Savings	1.99%	2.00%
Min Deposit $10 Min Balance $10 Details IRS limitations apply; account plan fees may apply; Rates Effective: July 1, 2026 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
High Yield Savings Account	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000.00 and over; Average daily balance of at least $1,000.00 required to earn disclosed APY; Rates Effective: August 1, 2026 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
High Yield Savings Account	1.24%	1.25%
Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99; Average daily balance of at least $1,000.00 required to earn disclosed APY; Rates Effective: August 1, 2026 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Annual Savings	1.00%	1.00%
Min Deposit $5 Min Balance $5 Details Rates Effective: July 1, 2026 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
High Yield Savings Account	1.00%	1.00%
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Average daily balance of at least $1,000.00 required to earn disclosed APY; Rates Effective: August 1, 2026 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Additional Savings	0.02%	0.02%
Min Deposit $5 Min Balance $5 Details Rates Effective: July 1, 2026 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Health Savings	0.02%	0.02%
Min Deposit $10 Min Balance $10 Details IRS limitations apply; account plan fees may apply; Rates Effective: July 1, 2026 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Membership Savings	0.02%	0.02%
Min Deposit $5 Min Balance $5 Details Rates Effective: July 1, 2026 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

Sage Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	1.24%	1.25%
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000.00 and over; Rates Effective: August 1, 2026; Minimum opening deposit $1,000.00; Average daily balance of $1,000.00 avoids monthly fee Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Business Money Market	1.09%	1.10%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99; Rates Effective: August 1, 2026; Minimum opening deposit $1,000.00; Average daily balance of $1,000.00 avoids monthly fee Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Business Money Market	1.00%	1.00%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Rates Effective: August 1, 2026; Minimum opening deposit $1,000.00; Average daily balance of $1,000.00 avoids monthly fee Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Business Money Market	0.90%	0.90%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Rates Effective: August 1, 2026; Minimum opening deposit $1,000.00; Average daily balance of $1,000.00 avoids monthly fee Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Business Money Market	0.80%	0.80%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Rates Effective: August 1, 2026; Minimum opening deposit $1,000.00; Average daily balance of $1,000.00 avoids monthly fee Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Business Money Market	0.75%	0.75%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Rates Effective: August 1, 2026; Minimum opening deposit $1,000.00; Average daily balance of $1,000.00 avoids monthly fee Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

Sage Credit Union Checking Rates

Product	Rate	APY
Rewards Checking	6.78%	7.00%
Min Balance $0 Details Qualifications Required; Qualifying balance up to $10,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 7.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Pathfinder Checking	1.00%	1.00%
Min Balance $0 Details Pathfinder accounts are for members 17 years and younger; Qualifying balance up to $1,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Cash Intensive Checking	0.02%	0.02%
Min Balance $20,000 Details Balance to Earn APY: $20,000.00; Business analysis, set-up and service fees may apply; must maintain at least $5.00 in a Membership Savings account Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

Sage Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	0.02%	0.02%
Min Balance $20,000 Details Balance to Earn APY: $20,000.00; Business analysis, set-up and service fees may apply; must maintain at least $5.00 in a Membership Savings account Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

Sage Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	3.99%	40 months
Details As Low As; Rates Effective: May 1, 2026; APR includes 0.50% automatic payment discount; Used vehicles (2023 & older) may not qualify for lowest APR; 90 days with no payments available Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 3.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan	-	-	3.99%	52 months
Details As Low As; Rates Effective: May 1, 2026; APR includes 0.50% automatic payment discount; Used vehicles (2023 & older) may not qualify for lowest APR; 90 days with no payments available Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 3.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan	-	-	3.99%	64 months
Details As Low As; Rates Effective: May 1, 2026; APR includes 0.50% automatic payment discount; Used vehicles (2023 & older) may not qualify for lowest APR; 90 days with no payments available Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 3.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan	-	-	3.99%	76 months
Details As Low As; Rates Effective: May 1, 2026; APR includes 0.50% automatic payment discount; Used vehicles (2023 & older) may not qualify for lowest APR; 90 days with no payments available Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 3.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loan	-	-	5.49%	84 months
Details As Low As; Rates Effective: May 1, 2026; APR includes 0.50% automatic payment discount; Used vehicles (2023 & older) may not qualify for lowest APR; 90 days with no payments available Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loans	-	-	5.79%	52 months
Details As Low As; Rates Effective: May 1, 2026; APRs include 0.50% discount for automatic payments; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 3.99% → 5.79% ▲ 1.80 pts · high 5.79% / low 3.99% Oct 23, 20265.79%▲ from 3.99% Sep 16, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loans	-	-	6.29%	64 months
Details As Low As; Rates Effective: May 1, 2026; APRs include 0.50% discount for automatic payments; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 3.99% → 6.29% ▲ 2.30 pts · high 6.29% / low 3.99% Oct 23, 20266.29%▲ from 3.99% Sep 16, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loans	-	-	6.79%	84 months
Details As Low As; Rates Effective: May 1, 2026; APRs include 0.50% discount for automatic payments; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 5.49% → 6.79% ▲ 1.30 pts · high 6.79% / low 5.49% Oct 23, 20266.79%▲ from 5.49% Sep 16, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loans	-	-	8.29%	96 months
Details As Low As; Rates Effective: May 1, 2026; APRs include 0.50% discount for automatic payments; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

Sage Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicles and Boat Loans - 64 months	-	6.79%	64 months
Details APR as low as; Annual Percentage Rates include a 0.50% discount for automatic payments; Estimated Monthly Payment Example: $258.00 a month based on a 180-month, $25,000.00 loan at 9.29% APR Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.79% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Recreational Vehicles and Boat Loans - 84 months	-	7.29%	84 months
Details APR as low as; Annual Percentage Rates include a 0.50% discount for automatic payments; Estimated Monthly Payment Example: $258.00 a month based on a 180-month, $25,000.00 loan at 9.29% APR Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 10.99% → 7.29% ▼ 3.70 pts · high 10.99% / low 7.29% Oct 15, 20267.29%▼ from 10.99% Sep 16, 202610.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Recreational Vehicles and Boat Loans - 120 months	-	8.29%	120 months
Details APR as low as; Annual Percentage Rates include a 0.50% discount for automatic payments; Estimated Monthly Payment Example: $258.00 a month based on a 180-month, $25,000.00 loan at 9.29% APR Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 8.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Recreational Vehicles and Boat Loans - 144 months	-	8.49%	144 months
Details APR as low as; Annual Percentage Rates include a 0.50% discount for automatic payments; Estimated Monthly Payment Example: $258.00 a month based on a 180-month, $25,000.00 loan at 9.29% APR Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Recreational Vehicles and Boat Loans - 180 months	-	9.29%	180 months
Details APR as low as; Annual Percentage Rates include a 0.50% discount for automatic payments; Estimated Monthly Payment Example: $258.00 a month based on a 180-month, $25,000.00 loan at 9.29% APR Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 9.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

Sage Credit Union Credit Card Rates

Product	Rate	APR
Visa Credit Card	-	7.99%
Details Regular APR: 7.99% - 16.99%; APR on Balance Transfers: 7.99% - 16.99%; APR on Cash Advances: 9.99% - 17.99%; Annual Fee:; Rates Effective: January 1, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Visa Cashback Card	-	9.99%
Details Published APR range: 9.99% - 17.99%. APR on Balance Transfers: 9.99% - 17.99%; APR on Cash Advances: 11.99% - 17.99%; Annual Fee:; Earn up to 1% cashback on all qualifying Purchases, up to $250.00 per month; Rates Effective: January 1, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Visa Secured	-	14.90%
Details APR on Purchases: 14.90%; APR on Balance Transfers: 14.90%; APR on Cash Advances: 18.00%; Annual Fee: $25.00; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 14.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

Sage Credit Union Personal Loan Rates

Product	APR	Term
Personal Lines of Credit Loan	10.99%
Details Published APR range: 10.99% - 17.99%. Rates Effective: May 1, 2026; All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness and terms of loan; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Personal Loans	10.99%	Up to 84 months
Details As Low As; Rates Effective: May 1, 2026; Must maintain at least $5.00 in a Membership Savings account Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 10.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

Sage Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Compass Credit Builder Loan	-	-	3.00%	13 or 25 months
Details Rates Effective: January 1, 2026; Loan proceeds held in an Additional Savings account as security and released as the loan is paid down; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account; All loans subject to approval Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 3.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
New Power Sports Loans	-	-	6.49%	40 months
Details As Low As; Rates Effective: May 1, 2026; APR includes 0.50% discount for automatic payments; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
New Power Sports Loans	-	-	8.49%	64 months
Details As Low As; Rates Effective: May 1, 2026; APR includes 0.50% discount for automatic payments; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
New Power Sports Loans	-	-	9.99%	76 months
Details As Low As; Rates Effective: May 1, 2026; APR includes 0.50% discount for automatic payments; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
New Power Sports Loans	-	-	10.99%	84 months
Details As Low As; Rates Effective: May 1, 2026; APR includes 0.50% discount for automatic payments; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Pathfinder Credit Builder Loan	-	-	3.00%	13 or 25 months
Details Credit builder loan; proceeds held as security in an Additional Savings account and released as the loan is paid down; available for youth 16 or 17 years of age; must be eligible for membership and maintain at least $5.00 in a Membership Savings account; rates effective January 1, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 3.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Used Power Sports Loans	-	-	6.99%	28 months
Details As Low As; Rates Effective: May 1, 2026; APRs include a 0.50% discount for automatic payments; Membership Savings account minimum $5.00 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Used Power Sports Loans	-	-	7.99%	40 months
Details As Low As; Rates Effective: May 1, 2026; APRs include a 0.50% discount for automatic payments; Membership Savings account minimum $5.00 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Used Power Sports Loans	-	-	8.99%	52 months
Details As Low As; Rates Effective: May 1, 2026; APRs include a 0.50% discount for automatic payments; Membership Savings account minimum $5.00 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Used Power Sports Loans	-	-	10.29%	70 months
Details As Low As; Rates Effective: May 1, 2026; APRs include a 0.50% discount for automatic payments; Membership Savings account minimum $5.00 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 10.29% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Coverdell ESA Savings	1.99%	-	2.00%
Min Deposit $10 Min Balance $10 Details IRS limitations apply; account plan fees may apply; Rates Effective: July 1, 2026 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Sage Credit Union’s Texas Ratio rose from 2.77% in Q3 2023 to 5.70% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$385M	5.70%	5.0	A+
March 31, 2026	$388M	3.56%	5.0	A+
December 31, 2025	$382M	3.71%	5.0	A+
September 30, 2025	$378M	3.98%	5.0	A+
June 30, 2025	$366M	4.43%	5.0	A+
March 31, 2025	$361M	3.71%	5.0	A+
December 31, 2024	$352M	3.55%	5.0	A+
September 30, 2024	$346M	3.88%	5.0	A+
June 30, 2024	$339M	3.49%	5.0	A+
March 31, 2024	$338M	4.33%	5.0	A+
December 31, 2023	$330M	3.90%	5.0	A+
September 30, 2023	$328M	2.77%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Sage Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Sage Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Sage Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sage Credit Union

Website https://www.sagecu.org

Address 2972 Washburn Way, Klamath Falls, OR 97603

Phone 541-884-1376

Fax 541-885-8018

President Karen Devore

CEO Chad Olney

Full-Time Employees 99

Part-Time Employees 4

Branch Locations 8

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.70%

Return on Assets (ROA)

0.2202%

Return on Equity (ROE)

2.1807%

Non-Performing Loans Ratio (NPL)

0.86%

Total Assets

385,113,374

Total Amount of Shares and Deposits

343,181,619

Total Shares and Deposits < 1 Year

307,736,973

Total Shares and Deposits 1 3 Years

31,072,184

Total Shares and Deposits > 3 Years

4,372,462

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

27,920,632

Total Uninsured Shares and Deposits > $250K (F+J)

27,920,632

Total Insured Shares and Deposits > $250K (item 17 less item K)

315,260,987

Total Interest Expense (Sum of items 6 8)

1,220,515

Share Certificates

1,218

Number of Accounts for Share Drafts

18,584

IRA KEOGH Accounts

419

Number of Accounts for Regular Shares

30,270

All other shares

Money Market Shares

887

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

44,144,298

Total Liabilities

346,185,109

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Sage Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Sage Credit Union

Does Sage Credit Union offer CDs?

Yes. Sage Credit Union current CD rates include its 12 Month Pathfinder Term CD at 5.00% APY, its 11 Month Term CD at 4.05% APY and its 36 Month Indexed CD - 3 at 3.45% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Sage Credit Union NCUA insured?

Yes. Sage Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Sage Credit Union?

The highest Sage Credit Union CD rate is its 12 Month Pathfinder Term CD at 5.00% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Sage Credit Union offer?

Sage Credit Union CD rates are 4.05% APY for an 11 month CD, 5.00% APY for a 12 month CD, 2.43% APY for an 18 month CD, 2.94% APY for a 2 year CD, 3.45% APY for a 3 year CD and 1.50% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Sage Credit Union for its full lineup.

What is the highest savings rate at Sage Credit Union?

The highest Sage Credit Union savings rate is its Pathfinder Savings at 2.01% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Sage Credit Union?

The highest Sage Credit Union money market rate is its Business Money Market at 1.25% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Sage Credit Union?

The highest Sage Credit Union checking rate is its Pathfinder Checking at 1.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at Sage Credit Union?

The lowest Sage Credit Union auto loan rate is its Auto Loan at 3.99% APR, verified by MonitorBankRates as of October 28, 2026. Sage Credit Union auto loan rates are 6.79% APR for a 64 month auto loan, 7.29% APR for an 84 month auto loan, 8.29% APR for a 120 month auto loan, 8.49% APR for a 144 month auto loan and 9.29% APR for a 180 month auto loan.

What is the lowest personal loan rate at Sage Credit Union?

The lowest Sage Credit Union personal loan rate is its Personal Lines of Credit Loan at 10.99% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at Sage Credit Union?

The lowest Sage Credit Union credit card APR is its Visa Credit Card at 7.99% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Sage Credit Union operate?

Sage Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Sage Credit Union?

Yes, to access services at Sage Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Sage Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sage Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sage Credit Union offer online and mobile banking?

Most modern institutions like Sage Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sagecu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Sage Credit Union rates compare?

Sage Credit Union's CD rates are 7% lower than the MonitorBankRates national average, and it has an A+ health rating. Sage Credit Union's top rates are its 12 Month Pathfinder Term CD at 5.00% APY, its Pathfinder Savings at 2.01% APY, its Business Money Market at 1.25% APY, its Rewards Checking at 7.00% APY, its Personal Lines of Credit Loan at 10.99% APR and its Visa Credit Card at 7.99% APR, verified by MonitorBankRates on October 28, 2026.

Current Sage Credit Union Rates

12-Month CD0.65%
18-Month CD0.75%
24-Month CD1.20%
60-Month CD1.50%
Savings2.01%
MMA1.25%

Retrieved from our database of financial products. Rates subject to change.

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Sage Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

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Sage Credit Union Health Trend

Sage Credit Union CD Rates

Sage Credit Union Savings Rates

Sage Credit Union Business Money Market Rates

Sage Credit Union Checking Rates

Sage Credit Union Business Checking Rates

Sage Credit Union Auto Loan Rates

Sage Credit Union RV, Boat and Powersport Loan Rates

Sage Credit Union Credit Card Rates

Sage Credit Union Personal Loan Rates

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

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Sage Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Sage Credit Union

Does Sage Credit Union offer CDs?

Are CDs from Sage Credit Union NCUA insured?

What is the highest CD rate at Sage Credit Union?

What CD terms does Sage Credit Union offer?

What is the highest savings rate at Sage Credit Union?

What is the highest money market rate at Sage Credit Union?

What is the highest checking rate at Sage Credit Union?

What is the lowest auto loan rate at Sage Credit Union?

What is the lowest personal loan rate at Sage Credit Union?

What is the lowest credit card APR at Sage Credit Union?

How many branches does Sage Credit Union operate?

Is a member application needed to join Sage Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Sage Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Sage Credit Union rates compare?

Current Sage Credit Union Rates

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