Credit union · NCUA insured
Sage Credit Union Auto Loan Rates
Top CarrotSage Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 22, 2026.
How Sage Credit Union’s auto loan rates compare
Compared with banks and credit unions near Klamath Falls, OR, where Sage Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sage Credit Union
3.99%APR
- Terms
- up to 76 months
- Discount
- Included in the rate
Auto Loans
2nd-lowest rate
Rogue Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
3rd-lowest rate
First Community Credit Union
4.49%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
Sage Credit Union auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sage Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. APRs shown include a 0.50% discount for automatic payments. 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.
| Terms | APR | Conditions |
|---|---|---|
| up to 40 months | 3.99% | Includes a 0.50% discount for automatic payments. Subject to approval; based on creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for lowest APR. |
| up to 52 months | 3.99% | Includes a 0.50% discount for automatic payments. Subject to approval; based on creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for lowest APR. |
| up to 64 months | 3.99% | Includes a 0.50% discount for automatic payments. Subject to approval; based on creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for lowest APR. |
| up to 76 months | 3.99% | Includes a 0.50% discount for automatic payments. Subject to approval; based on creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for lowest APR. |
| up to 84 months | 5.49% | Includes a 0.50% discount for automatic payments. Subject to approval; based on creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for lowest APR. |
New Power Sports Loans
APR includes 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Rates subject to approval and creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 40 months | 6.49% | — |
| up to 64 months | 8.49% | — |
| up to 76 months | 9.99% | — |
| up to 84 months | 10.99% | — |
Sources (1)
- sagecu.org/rates · captured Oct 3, 2026
Used Power Sports Loans
APR includes 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Rates subject to approval and creditworthiness.
| Terms | APR | Conditions |
|---|---|---|
| up to 28 months | 6.99% | — |
| up to 40 months | 7.99% | — |
| up to 52 months | 8.99% | — |
| up to 70 months | 10.29% | — |
Sources (1)
- sagecu.org/rates · captured Oct 3, 2026
Who can join Sage Credit Union
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.
Membership information collected October 4, 2026.