Personal Checking
No fuss, just great checking
Using your money should be easy. We’ve designed our checking accounts to be easy to access, easy to understand, and easy to use.
New Checking Account Bonus
To earn your $250, open your new personal checking account and setup direct deposit.
- Open your new consumer checking account
- Setup Direct Deposit within 90 days
- Receive your $250†
Rewards Checking
Earn Dividends*
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- Earn up to 7.00% APY*
- No minimum balance
- No monthly service fees
- Network of 30K ATMs
- Early Pay
- Learn More
Simple Checking
Secure and Easy
- No minimum balance
- No monthly service fees
- Network of 30K ATMs
- Early Pay
Pathfinder Checking
For members under 18
- Earn dividends**
- No minimum balance
- No monthly service fees
- Debit card available
- Early Pay
Today’s Rates
|
Account Type |
Bal. to Earn APY |
Dividend Rate |
APY |
|---|---|---|---|
|
Rates Effective: January 1, 2026 APY=Annual Percentage Yield. The Dividend Rates and 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. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. * 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. Only the funds that comprise each tier will earn the rate for that tier. ** Pathfinder accounts are for members 17 years and younger. Only the funds that comprise each tier will earn the rate for that tier. *** Account is subject to limitations imposed by the Internal Revenue Service. Please consult tax advisor for additional information. Minimum opening balance of $10.00. |
|||
|
Simple Checking |
N/A |
N/A |
N/A |
|
Rewards Checking* |
$0.01 – $10,000.00 |
6.78% |
7.00% |
|
$10,000.01 + |
0.02% |
7.00% – 2.34% |
|
|
Pathfinder Checking** |
$0.01 – $1,000.00 |
1.00% |
1.00% |
|
$1,000.00 + |
0.02% |
1.00% – 0.11% |
|
|
Health Checking*** |
N/A |
N/A |
N/A |
We’re people helping people.
Together we’re a credit union.
Sage CU is a not-for-profit financial co-op owned by over 24,000 regular people in the Klamath Basin and surrounding rural communities. We don’t have to worry about pleasing stockholders so we’re able to focus our efforts on our communities — by reaching out, giving back, and paying it forward. Learn more about our Community Impact.
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2025 Volunteer Hours3,590
Our staff serves on various boards, committees, and volunteers at many community events.
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2025 Local Donations & Sponsorships$151k
We support more than 35 local organizations that have a big impact on the area.
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2025 Scholarships$7,000
To support our local students, Sage offers renewable scholarships to graduating seniors.
Disclosures
† 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.