Credit union · NCUA insured
Sage Credit Union Savings Rates
Top CarrotSage Credit Union’s best savings rate is 1.25% APY on $10,000, with its High Yield Savings Account. Rates checked October 22, 2026.
How Sage Credit Union’s savings 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
1.25%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $125
High Yield Savings Account
Top rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
2nd-highest rate
Rogue Credit Union
3.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $300
Sage Credit Union savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Yield Savings Account
1.25%APY
All deposited funds earn the rate for the corresponding tier. In order to earn the disclosed APY during each dividend period, you must maintain an average daily balance in the Account that is at least equal to $1,000.00. Dividends compound and credit monthly. No monthly maintenance fee. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000All deposited funds earn the rate for the corresponding tier. Must maintain an average daily balance of at least $1,000.00 during each dividend period to earn the disclosed APY. Dividends compound and credit monthly. No monthly maintenance fee. Must maintain at least $5.00 in Membership Savings. | 1.00% | — | All deposited funds earn the rate for the corresponding tier. Must maintain an average daily balance of at least $1,000.00 during each dividend period to earn the disclosed APY. Dividends compound and credit monthly. No monthly maintenance fee. Must maintain at least $5.00 in Membership Savings. |
| $10,000 – $100,000All deposited funds earn the rate for the corresponding tier. Must maintain an average daily balance of at least $1,000.00 during each dividend period to earn the disclosed APY. Dividends compound and credit monthly. No monthly maintenance fee. Must maintain at least $5.00 in Membership Savings. | 1.25% | $125 | All deposited funds earn the rate for the corresponding tier. Must maintain an average daily balance of at least $1,000.00 during each dividend period to earn the disclosed APY. Dividends compound and credit monthly. No monthly maintenance fee. Must maintain at least $5.00 in Membership Savings. |
| $100,000 and upAll deposited funds earn the rate for the corresponding tier. Must maintain an average daily balance of at least $1,000.00 during each dividend period to earn the disclosed APY. Dividends compound and credit monthly. No monthly maintenance fee. Must maintain at least $5.00 in Membership Savings. | 1.50% | — | All deposited funds earn the rate for the corresponding tier. Must maintain an average daily balance of at least $1,000.00 during each dividend period to earn the disclosed APY. Dividends compound and credit monthly. No monthly maintenance fee. Must maintain at least $5.00 in Membership Savings. |
Annual Savings
1.00%APY
Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Earns dividends yearly. No monthly service fees. Commonly used for taxes and vacations.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMust be eligible for membership and maintain at least $5.00 in a Membership Savings account. Earns dividends yearly. No monthly service fees.$5 and up | 1.00% | $100 | Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Earns dividends yearly. No monthly service fees. |
Additional Savings
0.02%APY
Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMust be eligible for membership and maintain at least $5.00 in a Membership Savings account.$5 and up | 0.02% | $2 | Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. |
Sources (1)
- sagecu.org/rates · captured Oct 22, 2026
Membership Savings
0.02%APY
Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. Free to open. No monthly service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMust be eligible for membership and maintain at least $5.00 in a Membership Savings account. No monthly service fees.$5 and up | 0.02% | $2 | Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. No monthly service fees. |
Special-purpose accounts
Coverdell ESA Savings
2.00%APY
Save for educational expenses for members under 18, or adults with special needs. Subject to limitations imposed by the Internal Revenue Service. Account plan fees may apply. $10 annual fee. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upAccount is subject to limitations imposed by the Internal Revenue Service. Account plan fees may apply. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.$10 and up | 2.00% | $200 | Account is subject to limitations imposed by the Internal Revenue Service. Account plan fees may apply. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. |
Traditional, ROTH, & SEP IRA Savings
2.00%APY
Traditional, ROTH, and SEP IRA Savings. Tax advantaged retirement account. Subject to limitations imposed by the Internal Revenue Service. Account plan fees may apply. $10 annual fee. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upAccount is subject to limitations imposed by the Internal Revenue Service. Account plan fees may apply. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.$10 and up | 2.00% | $200 | Account is subject to limitations imposed by the Internal Revenue Service. Account plan fees may apply. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. |
Pathfinder Savings
0.42%APY on $10,000
For members 17 years and younger. Only the 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.
| Part of the balance | Rate on that part |
|---|---|
| Up to $2,000 | 2.00% |
| Over $2,000 | 0.02% |
On $10,000 the tiers blend to about 0.42% APY, earning $42 a year.
Health Savings
0.02%APY
Account is subject to limitations imposed by the Internal Revenue Service. Account plan fees may apply. $10 annual fee. Tax advantaged account for medical expenses. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upAccount is subject to limitations imposed by the Internal Revenue Service. Account plan fees may apply. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.$10 and up | 0.02% | $2 | Account is subject to limitations imposed by the Internal Revenue Service. Account plan fees may apply. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. |
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.