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%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Sage Credit Union

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Sage Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Sage Credit Union's top rates as of October 12, 2026 are 5.00% APY on its 12 Month Pathfinder Term CD, 2.01% APY on savings, 1.25% APY on money market accounts, 7.00% APY on checking, personal loans from 10.99% APR, and credit cards from 7.99% APR, according to rates verified by MonitorBankRates. Other Sage Credit Union CD rates include 60 Month IRA Term CD at 4.00%, 48 Month IRA Term CD at 3.75%, and 60 Month IRA Term CD at 3.75%. 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 10/12/2026.

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 Q2 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.00% APY · checked 4 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 + Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 4 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 + Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.75% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.75% APY · checked 4 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 + Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 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 + Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 4 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 + Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 4 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+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 4 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 + Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.25% APY · checked 4 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 +; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 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 +; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.90% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.90% APY · checked 4 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 +; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.80% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.80% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.80% APY · checked 4 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 +; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.70% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.70% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.70% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.70% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.60% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.60% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.60% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.60% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.40% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.40% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.40% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.30% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.30% APY · checked 4 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+; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.25% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.20% APY · checked 4 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+; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.15% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.15% APY · checked 4 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 +; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.10% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.05% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.05% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.95% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.95% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.90% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.85% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.85% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.80% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.70% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.65% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.60% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.01% APY · checked 2 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 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
High Yield Savings Account	1.49%	1.50%
Min Deposit $5 Min Balance $100,000 Details Balance: $100,000.00 +; In order to earn the disclosed APY during each dividend period, you must maintain an average daily balance in the Account that is at least equal to $1,000.00. Dividend period is monthly, and dividends will be compounded and credited to your Account monthly. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
High Yield Savings Account	1.24%	1.25%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99; In order to earn the disclosed APY during each dividend period, you must maintain an average daily balance in the Account that is at least equal to $1,000.00. Dividend period is monthly, and dividends will be compounded and credited to your Account monthly. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.25% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
High Yield Savings Account	1.00%	1.00%
Min Deposit $5 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; In order to earn the disclosed APY during each dividend period, you must maintain an average daily balance in the Account that is at least equal to $1,000.00. Dividend period is monthly, and dividends will be compounded and credited to your Account monthly. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.02% APY · checked 2 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 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.02% APY · checked 2 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 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

Sage Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Membership Savings	0.02%	0.02%
Min Balance $5 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.02% APY · checked 3 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 +; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.25% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.10% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.90% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.80% APY · checked 4 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; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 4 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 Balance: $0.01 - $10,000.00; Qualifications Required Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Pathfinder Checking	1.00%	1.00%
Min Balance $0 Details Balance: $0.01 - $1,000.00; Ages: 17 years and younger Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

Sage Credit Union Business Checking Rates

Product	Rate	APY
Business Cash Intensive Checking	0.02%	0.02%
Min Balance $20,000 Details Balance: $20,000.00 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Business Checking	0.02%	0.02%
Min Balance $20,000 Details Balance: $20,000.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.02% APY · checked 4 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 Loans	-	-	3.99%	40 months
Details As Low As; Rates Effective: May 1, 2026; You may qualify for 90 days with no payments. Qualification is based on creditworthiness. Finance charges will continue to accrue during the no payment period. Call 888.810.1148 for more details.; APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 3.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loans	-	-	3.99%	52 months
Details As Low As; Rates Effective: May 1, 2026; You may qualify for 90 days with no payments. Qualification is based on creditworthiness. Finance charges will continue to accrue during the no payment period. Call 888.810.1148 for more details.; APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 3.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loans	-	-	3.99%	64 months
Details As Low As; Rates Effective: May 1, 2026; You may qualify for 90 days with no payments. Qualification is based on creditworthiness. Finance charges will continue to accrue during the no payment period. Call 888.810.1148 for more details.; APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 3.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loans	-	-	3.99%	76 months
Details As Low As; Rates Effective: May 1, 2026; You may qualify for 90 days with no payments. Qualification is based on creditworthiness. Finance charges will continue to accrue during the no payment period. Call 888.810.1148 for more details.; APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 3.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Auto Loans	-	-	5.49%	84 months
Details As Low As; Rates Effective: May 1, 2026; You may qualify for 90 days with no payments. Qualification is based on creditworthiness. Finance charges will continue to accrue during the no payment period. Call 888.810.1148 for more details.; APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.49% APR · checked 5 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	-	6.79%	64 months
Details Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.79% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Recreational Vehicles and Boat Loans	-	7.29%	84 months
Details Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Recreational Vehicles and Boat Loans	-	8.29%	120 months
Details Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Recreational Vehicles and Boat Loans	-	8.49%	144 months
Details Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Recreational Vehicles and Boat Loans	-	9.29%	180 months
Details Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.29% APR · checked 5 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 Published APR range: 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; All Visa Credit Cards are subject to approval, actual APR is based on borrower's creditworthiness and is subject to change. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
VisaCashback Card	-	9.99%
Details Published APR range: 9.99% - 17.99%. Earn up to 1% cashback on all qualifying Purchases, earn up to $250.00 per month. Other terms and conditions apply, call us at 888.810.1148 for more information. Rates Effective: January 1, 2026. All Visa Credit Cards are subject to approval, actual APR is based on borrower's creditworthiness and is subject to change. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Visa Cashback Card (APR on Cash Advances)	-	11.99%
Details Published APR range: 11.99% - 17.99%. Earn up to 1% cashback on all qualifying Purchases, earn up to $250.00 per month. Other terms and conditions apply, call us at 888.810.1148 for more information. Rates Effective: January 1, 2026. All Visa Credit Cards are subject to approval, actual APR is based on borrower's creditworthiness and is subject to change. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Visa Secured	-	14.90%
Details 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 10/12/2026 Rate History No change since Oct 8, 2026 · 14.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%

Sage Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	10.99%	Up to 84 months
Details 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 10/12/2026 Rate History No change since Sep 16, 2026 · 10.99% APR · checked 5 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
New Power Sports Loans	-	-	6.49%	40 months
Details All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
New Power Sports Loans	-	-	8.49%	64 months
Details All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
New Power Sports Loans	-	-	9.99%	76 months
Details All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
New Power Sports Loans	-	-	10.99%	84 months
Details All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Non-Commercial Use Equipment Loans	-	-	5.79%	52 months
Details Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.79% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Non-Commercial Use Equipment Loans	-	-	6.29%	64 months
Details Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Non-Commercial Use Equipment Loans	-	-	6.79%	84 months
Details Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.79% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Non-Commercial Use Equipment Loans	-	-	8.29%	96 months
Details Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Used Power Sports Loans	-	-	6.99%	28 months
Details Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Used Power Sports Loans	-	-	7.99%	40 months
Details Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Used Power Sports Loans	-	-	8.99%	52 months
Details Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Used Power Sports Loans	-	-	10.29%	70 months
Details Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.29% APR 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 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Indexed - 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 Information. The dividend rate is determined by subtracting 2.00% from the Federal Reserve Interest Rate on Reserve Balances (IORB). APY and Rate may change on the 1st of each month based on the current IORB. The rate will be obtained from federalreserve.gov. The dividend rate will never be less than 0.10% or more than 10.00%. Must be eligible for membership and maintain at least $5.00 in your Membership Savings Account. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 1.66% → 1.92% ▲ 0.26 pts · high 1.92% / low 1.66% Oct 4, 20261.92%▲ from 1.66% Sep 25, 20261.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Indexed - 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 Information. The dividend rate is determined by subtracting 1.50% from the Federal Reserve Interest Rate on Reserve Balances (IORB). APY and Rate may change on the 1st of each month based on the current IORB. The rate will be obtained from federalreserve.gov. The dividend rate will never be less than 0.15% or more than 10.00%. Must be eligible for membership and maintain at least $5.00 in your Membership Savings Account. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 2.17% → 2.43% ▲ 0.26 pts · high 2.43% / low 2.17% Oct 4, 20262.43%▲ from 2.17% Sep 25, 20262.17%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Indexed - 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 Information. The dividend rate is determined by subtracting 1.00% from the Federal Reserve Interest Rate on Reserve Balances (IORB). APY and Rate may change on the 1st of each month based on the current IORB. The rate will be obtained from federalreserve.gov. The dividend rate will never be less than 0.20% or more than 10.00%. Must be eligible for membership and maintain at least $5.00 in your Membership Savings Account. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 2.68% → 2.94% ▲ 0.26 pts · high 2.94% / low 2.68% Oct 4, 20262.94%▲ from 2.68% Sep 25, 20262.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.70%
Indexed - 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 Information. The dividend rate is determined by subtracting 0.50% from the Federal Reserve Interest Rate on Reserve Balances (IORB). APY and Rate may change on the 1st of each month based on the current IORB. The rate will be obtained from federalreserve.gov. The dividend rate will never be less than 0.30% or more than 10.00%. Must be eligible for membership and maintain at least $5.00 in your Membership Savings Account. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.20% → 3.45% ▲ 0.25 pts · high 3.45% / low 3.20% Oct 4, 20263.45%▲ from 3.20% Sep 25, 20263.20%first recorded 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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

Q2 2026 MBR Health & Safety Badge

Sage Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Sage Credit Union

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.

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 October 2026

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Sage Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About 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?

Current Sage Credit Union Rates

Compare to Other Credit Unions