Credit union · NCUA insured
Sage Credit Union CD Rates
Top CarrotSage Credit Union’s best CD rate is 4.05% APY on an 11-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Sage Credit Union’s CD rates compare
Compared with banks and credit unions near Klamath Falls, OR, where Sage Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sage Credit Union
4.05%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $371
11 Month Certificate
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
WaFd Bank
4.10%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $445
Sage Credit Union CD score
81
CD score
Higher than 55% of U.S. banks and credit unions
- 3–8 months3–8 mo0.70%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo2.94%
- 31–60 months31–60 mo3.45%
- QualifiedQualified4.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Sage Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
11 Month Certificate
4.05%APY · 1 term
Limited time offer, expires 12.31.26. Minimum opening balance and balance to earn advertised APY is $1,000.00. 50% new money required: minimum of 50% of deposited funds must consist of new money deposited within 30 days preceding opening from an external source. Additional deposits allowed within first 7 days of account opening. Withdrawals must be at least $1,000.00 each. Early withdrawal penalty may apply. Must be eligible for membership and maintain at least $5.00 in Membership Savings account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsLimited time offer expires 12.31.26. Minimum 50% new money required deposited within 30 days preceding opening from external source. Additional deposits allowed within first 7 days of opening. Withdrawals must be at least $1,000.00 each. Early withdrawal penalty may apply | 4.05% | $371 |
Indexed Share Certificate
Up to 3.45%APY · 4 terms
Variable rate certificate; rates fluctuate with Federal Reserve Interest Rate on Reserve Balances (IORB) and may change on the 1st of each month. Funds must remain on deposit for 10 days before additional deposits and withdrawals are allowed. Must be eligible for membership and maintain at least $5.00 in Membership Savings Account. Early withdrawal penalty may apply. Rate capped at 10.00% maximum.
| Term | APY · $1,000 – $2,000,000 | APY · $1,500 – $2,000,000 | APY · $2,000 – $2,000,000 | APY · $3,000 – $2,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 monthsIndexed Share Certificate – 1: 12 month term. Dividend rate is determined by subtracting 2.00% from Federal Reserve IORB. Minimum floor rate 0.10%, maximum ceiling rate 10.00%. Additional deposits allowed after 10 days, minimum $100.00 each. Withdrawals must be at least $1,000.00 | 1.92% | — | — | — | 1.92% | $192 |
| 18 monthsIndexed Share Certificate – 1.5: 18 month term. Dividend rate is determined by subtracting 1.50% from Federal Reserve IORB. Minimum floor rate 0.15%, maximum ceiling rate 10.00%. Additional deposits allowed after 10 days, minimum $150.00 each. Withdrawals must be at least $1,500.00 | — | 2.43% | — | — | 2.43% | $367 |
| 24 monthsIndexed Share Certificate – 2: 24 month term. Dividend rate is determined by subtracting 1.00% from Federal Reserve IORB. Minimum floor rate 0.20%, maximum ceiling rate 10.00%. Additional deposits allowed after 10 days, minimum $200.00 each. Withdrawals must be at least $2,000.00 | — | — | 2.94% | — | 2.94% | $597 |
| 36 monthsIndexed Share Certificate – 3: 36 month term. Dividend rate is determined by subtracting 0.50% from Federal Reserve IORB. Minimum floor rate 0.30%, maximum ceiling rate 10.00%. Additional deposits allowed after 10 days, minimum $300.00 each. Withdrawals must be at least $3,000.00 | — | — | — | 3.45% | 3.45% | $1,071 |
Term Share Certificate
Up to 1.60%APY · 7 terms
$1,000 minimum opening balance. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Penalty may be imposed for early withdrawal. All deposited funds earn the rate for the tier. Withdrawals must be at least $1,000 for the 11 Month Certificate.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 – $200,000 | APY · $200,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|
| 6 months | 0.60% | 0.70% | 0.80% | 0.90% | 1.00% | 1.10% | 0.70%0.60% $1k–$10k0.80% $25k–$50k0.90% $50k–$100k1.00% $100k–$200k1.10% from $200k | $35 |
| 12 months | 0.65% | 0.75% | 0.85% | 0.95% | 1.05% | 1.15% | 0.75%0.65% $1k–$10k0.85% $25k–$50k0.95% $50k–$100k1.05% $100k–$200k1.15% from $200k | $75 |
| 18 months | 0.75% | 0.85% | 0.95% | 1.05% | 1.15% | 1.25% | 0.85%0.75% $1k–$10k0.95% $25k–$50k1.05% $50k–$100k1.15% $100k–$200k1.25% from $200k | $128 |
| 24 months | 1.20% | 1.30% | 1.40% | 1.50% | 1.60% | 1.70% | 1.30%1.20% $1k–$10k1.40% $25k–$50k1.50% $50k–$100k1.60% $100k–$200k1.70% from $200k | $262 |
| 36 months | 1.30% | 1.40% | 1.50% | 1.60% | 1.70% | 1.80% | 1.40%1.30% $1k–$10k1.50% $25k–$50k1.60% $50k–$100k1.70% $100k–$200k1.80% from $200k | $426 |
| 48 months | 1.40% | 1.50% | 1.60% | 1.70% | 1.80% | 1.90% | 1.50%1.40% $1k–$10k1.60% $25k–$50k1.70% $50k–$100k1.80% $100k–$200k1.90% from $200k | $614 |
| 60 months | 1.50% | 1.60% | 1.70% | 1.80% | 1.90% | 2.00% | 1.60%1.50% $1k–$10k1.70% $25k–$50k1.80% $50k–$100k1.90% $100k–$200k2.00% from $200k | $826 |
Special-purpose accounts
IRA Term Share Certificate
Up to 3.75%APY · 7 terms
Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service; account plan fees may apply. Minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 2.25% | 2.50% | 2.75% | 2.50%2.25% $1k–$10k2.75% from $100k | $124 |
| 12 months | 2.50% | 2.75% | 3.00% | 2.75%2.50% $1k–$10k3.00% from $100k | $275 |
| 18 months | 2.50% | 2.75% | 3.00% | 2.75%2.50% $1k–$10k3.00% from $100k | $415 |
| 24 months | 2.75% | 3.00% | 3.25% | 3.00%2.75% $1k–$10k3.25% from $100k | $609 |
| 36 months | 3.00% | 3.25% | 3.50% | 3.25%3.00% $1k–$10k3.50% from $100k | $1,007 |
| 48 months | 3.25% | 3.50% | 3.75% | 3.50%3.25% $1k–$10k3.75% from $100k | $1,475 |
| 60 months | 3.50% | 3.75% | 4.00% | 3.75%3.50% $1k–$10k4.00% from $100k | $2,021 |
Sources (1)
- sagecu.org/rates · captured Oct 22, 2026
Pathfinder Term Share Certificate
2.48%APY on $10,000
Pathfinder accounts are for members 17 years and younger. Minimum opening balance is $100.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Only the funds that comprise each tier will earn the rate for that tier. Penalty may be imposed for early withdrawal.
| Part of the balance | Rate on that part |
|---|---|
| $100 – $5,000 | 4.89% |
| $5,000 and up | 0.05% |
On $10,000 the tiers blend to about 2.48% APY, earning $248 a year.
Sources (1)
- sagecu.org/rates · captured Oct 22, 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.