Credit union · NCUA insured
Sage Credit Union
Top CarrotA $387.8M credit union headquartered in Klamath Falls, OR, with 25,905 members and 6 branches in 2 states. Best rates: CDs 4.05% and savings 1.25% APY.
Sage Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 98% of U.S. banks and credit unions
#1 of 10 in Klamath Falls, OR metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sage Credit Union
Sage Credit Union is a member-owned financial cooperative serving more than 24,000 members across the Klamath Basin and chartered counties in Oregon, California, and Nevada.
Providing financial services for over ninety years, the credit union is headquartered in Klamath Falls, Oregon.
- Headquarters
- 2972 Washburn Way, Klamath Falls, OR 97603
- NCUA charter
- 960
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in chartered counties across Oregon (Klamath, Lake, Harney, Malheur), California (Modoc, Siskiyou), or Nevada (Humboldt, Pershing, Lander, Eureka) are eligible to join.
Family and household
- Individuals who have family who live, work, worship, or attend school in one of the chartered counties are eligible for membership.
Cost to join
- Membership requires maintaining a minimum deposit balance of $5.00 in a Membership Savings account.
Branches
6 branches in 2 states
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Oregon
5 branches
Klamath Falls area · 3
- Washburn BranchMain office2972 Washburn Way, Klamath Falls, OR 97603Directions
- Galpin Branch6450 Galpin Ln, Klamath Falls, OR 97603Directions
- Klamath Branch3737 Shasta Way Ste B, Klamath Falls, OR 97603Directions
Christmas Valley area · 1
- Christmas Valley Branch57269 Park Rd, Christmas Valley, OR 97641Directions
Lakeview area · 1
- Lakeview Branch123 N G St, Lakeview, OR 97630Directions
California
1 branch
- Alturas Branch1030 N Main St Ste 101, Alturas, CA 96101Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.10% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.86% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.44% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $79 | $76 | — |
- CapitalNet worth ratio10.10%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.86%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.44%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$79Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Sage Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.