Credit union · NCUA insured
Sage Credit Union Credit Card Rates
Top CarrotSage Credit Union credit cards start at 7.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Sage Credit Union’s credit card rates compare
Compared with banks and credit unions near Klamath Falls, OR, where Sage Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Sage Credit Union
7.99%APR
- Up to
- 16.99% APR
Visa Credit Card
2nd-lowest rate
Rogue Credit Union
13.25%APR
- Up to
- —
3rd-lowest rate
WaFd Bank
16.74%APR
- Up to
- —
Sage Credit Union credit card score
93
Credit card score
Higher than 94% of U.S. banks and credit unions
- Purchase APRPurchase APR7.99%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Cashback Card
Earn up to 1% cashback on all qualifying Purchases, earn up to $250.00 per month. 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. No balance transfer fee. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99%–17.99% | None | Actual APR is based on borrower's creditworthiness. Earn up to 1% cashback on all qualifying Purchases, up to $250.00/month. Subject to approval. Membership required with at least $5.00 in Membership Savings. |
| Ongoing | 11.99%–17.99% | None | Actual APR is based on borrower's creditworthiness. Subject to approval. Membership required with at least $5.00 in Membership Savings. |
Sources (1)
- sagecu.org/cards · captured Oct 22, 2026
Visa Credit Card
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. No balance transfer fee. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.99%–16.99% | None | Actual APR is based on borrower's creditworthiness. Subject to approval. Membership required with at least $5.00 in Membership Savings. |
| Ongoing | 9.99%–17.99% | None | Actual APR is based on borrower's creditworthiness. Subject to approval. Membership required with at least $5.00 in Membership Savings. |
Sources (1)
- sagecu.org/cards · captured Oct 22, 2026
Visa Secured
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. Annual fee of $25.00.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.90% | $25 | Subject to approval; actual APR is based on borrower's creditworthiness. Membership required with at least $5.00 in Membership Savings. |
| Ongoing | 18.00% | $25 | Subject to approval; actual APR is based on borrower's creditworthiness. Membership required with at least $5.00 in Membership Savings. |
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.