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† New Checking Account Bonus: Offer begins 9/1/26.  To earn the bonus, you must (1) open a new Sage Federal Credit Union (Sage CU) Simple Checking, Rewards Checking, Compass Checking, or Pathfinder Checking account by 11/30/2026 (2) receive a Direct Deposit of at least $500 within the first 90 days of account opening.  Offer limited to those who are not primary owners of a Sage CU Simple Checking, Rewards Checking, Compass Checking or Pathfinder Checking on 08/31/26. The bonus funds will be deposited to your new checking account at the month end after the new checking account has been open for 90 days if all requirements are met as described above and your account is open and in good standing as defined by the Membership Agreement at the time of the bonus deposit. Limit one New Checking Account Bonus per member.  Sage CU reserves the right to cancel or amend the terms of the New Checking Account Bonus at any time and without prior notice. Bonuses are considered dividends and will be reported on IRS form 1099-INT.  Recipients are responsible for any federal, state, or local taxes.

Rewards Checking: The Annual Percentage Yield (APY) for Rewards Checking is 7.00% APY for balances up to $10,000.00 and 7.00% – 2.34% APY for balances greater than $10,000.00. Only funds that comprise each tier will earn the rate for that tier. In order to earn the dividends at the disclosed rate during each monthly qualification cycle: (a) Your Credit Union loans, if any, cannot be more than 14 days past due; and (b) at least 15 point of sale transactions using Your VISA Debit Card must post and settle to Your Account as evidenced by Your monthly statement; and (c) You must consent to receive Your periodic statements electronically; and (d) You must have a minimum $5.00 balance in Your membership savings account.  Pathfinder Checking: Pathfinder Accounts are for members 17 years and younger. The Annual Percentage Yield (APY) for Pathfinder Checking is 1.00% APY for balances up to $1,000.00 and 1.00% – 0.11% APY for balances greater than $1,000.00. Only 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. The Annual Percentage Yields are accurate as of the last dividend declaration date and may change at any time after account opening as determined by our Board of Directors. Fees may reduce earnings.

†† 11 Month Certificate
Rates Effective: October 15, 2026.  APY=Annual Percentage Yield.  All deposited funds earn the advertised rate.  A penalty may be imposed for early withdrawal. Withdrawals must be at least equal to $1,000.00 each.  Fees may reduce earnings. The minimum opening balance, and balance to earn the advertised APY is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.  New Money Requirement: A minimum of 50% of the deposited funds must consist of new money.  New money is defined as funds that have been deposited within the 30 days immediately preceding account opening.  New money must originate from another financial institution or another external source and cannot be transferred from an existing Sage Credit Union account. Transaction Limitations: You may make additional deposits to your 11 Month Certificate account within the first 7 days of the account opening date, after which no additional deposits will be allowed.