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Sage Credit Union

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Sage Credit Union Rates & Review September 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: September 16, 2026

Sage Credit Union's Personal Loan Rates are as low as 10.99%. Sage Credit Union's Credit Card Rates are at 7.99%. 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 3.56%. Rates last updated and verified on 09/16/2026.

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: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.56%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Sage Credit Union
Washburn Branch

2972 Washburn Way
Klamath Falls, OR 97603

https://www.sagecu.org

Sage Credit Union Checking Rates

Product	Rate	APY
Rewards Checking	-	7.00%
Min Balance $1,000 Details Qualifications Required; High Yield Savings Account; Next level savings; A high-yield savings account (HYSA) can help your savings earn more, making it worth considering when you want your money to grow while staying accessible. Dividends compound monthly No monthly maintenance fee Start with just $1,000; Qualifying balance up to $10,000.00 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Rewards Checking	-	2.34%
Min Balance $10,000 Details Qualifications Required: 15 point of sale transactions using Your VISA Debit Card must post and settle to Your Account as evidenced by Your monthly statement; You must consent to receive Your periodic statements electronically; You must have a minimum $5.00 balance in Your membership savings account; High Yield Savings Account; Next level savings; A high-yield savings account (HYSA) can help your savings earn more, making it worth considering when you want your money to grow while staying accessible. Dividends compound monthly No monthly maintenance fee Start with just $1,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Pathfinder Checking	-	1.00%
Min Balance $1,000 Details Pathfinder Accounts are for members 17 years and younger. The Annual Percentage Yield (APY) for Pathfinder Checking is 1.00% APY for balances up to $1,000.00 and 1.00% - 0.11% APY for balances greater than $1,000.00. Only funds that comprise each tier will earn the rate for that tier. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Pathfinder Checking	-	0.11%
Min Balance $1,000 Details Pathfinder Accounts are for members 17 years and younger. The Annual Percentage Yield (APY) for Pathfinder Checking is 1.00% APY for balances up to $1,000.00 and 1.00% - 0.11% APY for balances greater than $1,000.00. Only funds that comprise each tier will earn the rate for that tier. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Sage Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	3.99%	40 months
Details As Low As; The 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Auto Loans	-	-	3.99%	52 months
Details As Low As; The 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Auto Loans	-	-	3.99%	64 months
Details As Low As; The 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Auto Loans	-	-	3.99%	76 months
Details As Low As; The 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Auto Loans	-	-	5.49%	84 months
Details As Low As; The 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Sage Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicles and Boat Loans - 40 months	-	6.49%	40 months
Details Annual Percentage Rates include a 0.50% discount for automatic payments. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Recreational Vehicles and Boat Loans	-	6.79%	64 months
Details As Low As; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Recreational Vehicles and Boat Loans	-	6.99%	28 months
Details As Low As; Annual Percentage Rates include a 0.50% discount for automatic payments. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Recreational Vehicles and Boat Loans	-	7.29%	84 months
Details As Low As; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Recreational Vehicles and Boat Loans	-	7.99%	40 months
Details As Low As; Annual Percentage Rates include a 0.50% discount for automatic payments. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Recreational Vehicles and Boat Loans	-	8.29%	120 months
Details As Low As; 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 at least $5.00 in a Membership Savings account. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Recreational Vehicles and Boat Loans	-	8.49%	144 months
Details As Low As; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Recreational Vehicles and Boat Loans	-	8.99%	52 months
Details As Low As; Annual Percentage Rates include a 0.50% discount for automatic payments. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Recreational Vehicles and Boat Loans	-	9.29%	180 months
Details As Low As; 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Recreational Vehicles and Boat Loans - 76 months	-	9.99%	76 months
Details Annual Percentage Rates include a 0.50% discount for automatic payments. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Recreational Vehicles and Boat Loans	-	10.29%	70 months
Details As Low As; Annual Percentage Rates include a 0.50% discount for automatic payments. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Recreational Vehicles and Boat Loans - 84 months	-	10.99%	84 months
Details Annual Percentage Rates include a 0.50% discount for automatic payments. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Sage Credit Union Credit Card Rates

Product	Rate	APR
Visa Credit Card	-	7.99%
Details Regular APR: 7.99% - 16.99% on Purchases; Regular APR: 7.99% - 16.99% on Balance Transfers; Regular APR: 9.99% - 17.99% on Cash Advances; Annual Fee: Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
VisaCashback Card	-	9.99%
Details 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. 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. APR on Balance Transfers: 9.99% - 17.99%. APR on Cash Advances: 11.99% - 17.99%. Annual Fee: . Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Visa Credit Card	-	14.90%
Details Annual Fee: $25.00; Regular APR: 14.90%; APR on Balance Transfers: 14.90%; APR on Cash Advances: 18.00% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Sage Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	10.99%	Up to 84 months
Details Estimated Monthly Payment Example: $172.32 a month based on a 84-month, $10,000.00 loan at 10.99% APR. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Personal Loans	10.99%
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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Sage Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Compass Credit Builder Loan	-	-	3.00%	13 or 25 months
Details The loan proceeds are placed in an Additional Savings account and the proceeds are held as security for the loan. As the loan is paid down, the funds become available for use. Estimated Monthly Payment Example: $78.38 a month based on a 13-month, $1,000.00 loan at 3.00% APR. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Pathfinder Credit Builder Loan	-	-	3.00%	13 or 25 months
Details All Loans are subject to approval. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Available for youth, 16 or 17 years of age. The loan proceeds are placed in an Additional Savings account and the proceeds are held as security for the loan. As the loan is paid down, the funds become available for use. Many factors go into determining your creditworthiness; this product is a tool to help you build credit, but its effectiveness will depend on your individual circumstance. Call us at 888.810.1148 for more information. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Power Sports Loan	-	-	6.49%
Details As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

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 2.52% in Q2 2023 to 3.56% in Q1 2026, so its financial health has stayed very strong 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
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+
June 30, 2023	$329M	2.52%	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 3

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+ (98/100)

Texas Ratio

3.56%

Return on Assets (ROA)

0.1486%

Return on Equity (ROE)

1.4922%

Non-Performing Loans Ratio (NPL)

0.55%

Total Assets

387,757,162

Total Amount of Shares and Deposits

346,421,235

Total Shares and Deposits < 1 Year

313,439,249

Total Shares and Deposits 1 3 Years

28,972,867

Total Shares and Deposits > 3 Years

4,009,119

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

33,441,830

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

33,441,830

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

312,979,405

Total Interest Expense (Sum of items 6 8)

570,869

Share Certificates

1,150

Number of Accounts for Share Drafts

18,373

IRA KEOGH Accounts

423

Number of Accounts for Regular Shares

30,113

All other shares

Money Market Shares

875

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)

53,531,446

Total Liabilities

349,095,602

Source: NCUA — Last Updated 03/31/2026

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 — no need to download or upload anything.

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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

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.