At a glance
From its website, read 2 Nov 2026Sage Federal Credit Union is a credit union based in Klamath Falls, Oregon. Its website describes farm loans, auto loans, commercial real estate loans and 5 other loan types. Where it lends: Klamath Basin, Modoc County and Lake County, plus surrounding rural communities. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (888) 810-1148 source |
|---|---|
| Lending | (541) 810-6951 source |
| Lending | (541) 810-6950 source |
| Apply online | Page with the application link |
| Website | www.mypcfcu.org |
| Office (official list) | 2972 Washburn Way, Klamath Falls, OR 97603 |
What their website says about applying
Sage CU can help you get prequalified or pre-approved.
sourceFirst, apply for pre-approval. With pre-approval, you will know exactly how much car you can afford.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Personal / consumer loans | Rate stated, not as an APR: see their wording | 10.99% – 17.99% | source |
| Personal / consumer loans | Term: see their wording | Up to 84 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 30 Mar 2023 |
| RSSD ID | 149972 |
| Address | 2972 Washburn Way, Klamath Falls, OR 97603 Directions (Google Maps) |
| Website | www.mypcfcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. No loan amount ranges or state names appear on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Agricultural Loans | source |
| Auto / vehicle loans | — | Our vehicle loans allow you to purchase from a dealership or a private party. | source |
| Commercial real estate loans | — | Commercial real estate loans | source |
| Credit-builder loans | — | The Pathfinder Credit Builder is designed to help you build credit history. | source |
| Equipment loans | — | Non-Commercial Use Equipment Loans | source |
| Home mortgages | — | Sage CU can help you get prequalified or pre-approved. | source |
| Personal / consumer loans | — | can help you pay for just about anything you need. | source |
| Small-business loans | — | Sage Credit Union offers a wide range of lending options tailored to fit your business needs. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Klamath Basin, Modoc County and Lake County, plus surrounding rural communities
We’re committed to serving the small towns and rural communities throughout our region. From the Klamath Basin, down through Modoc County, and east throughout Lake County, we’re helping members enjoy the view.
source
Counties this matches: Lake County, OR
Borrower focus
- Rural
We’re committed to serving the small towns and rural communities throughout our region.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Now
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and credit-builder loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and commercial real estate loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as SAGE (charter 960). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $385.1 million (as of 30 Jun 2026) |
|---|---|
| Members | 26,046 (as of 30 Jun 2026) |
| Offices | 6 in 2 states (as of 30 Jun 2026) |
Offices by state and county (6)
Oregon (5 offices)
- Klamath County (3): 2972 Washburn Way, Klamath Falls 97603 (main office); 3737 Shasta Way Ste B, Klamath Falls 97603; 6450 Galpin Ln, Klamath Falls 97603
- Lake County (2): 57269 Park Rd, Christmas Valley 97641; 123 N G St, Lakeview 97630
California (1 office)
- Modoc County (1): 1030 N Main St Ste 101, Alturas 96101
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Sage Federal Credit Union (NCUA charter 960, filed as “SAGE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $272.1 million, 13,053 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 8.2% from $251.5 million on 30 Jun 2025 |
| Members | 26,046 (as of 30 Jun 2026); 25,383 (as of 30 Jun 2025) |
| Loans per member | $10,449 (total loans divided by members, 30 Jun 2026) |
| Total assets | $385.1 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $84.5 million | 31.1% |
| Used vehicle loans | $41.8 million | 15.4% |
| First-lien home mortgages (1-4 family) | $35 million | 12.9% |
| Other real estate loans (junior liens, other) | $12.9 million | 4.7% |
| Commercial (business) loans | $55.5 million | 20.4% |
| Credit cards | $13.1 million | 4.8% |
| Other unsecured loans | $10.7 million | 3.9% |
| Leases and other secured loans | $18.6 million | 6.8% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $385.1 million | Larger than 43% of the 7 other certified credit unions in Oregon (median $617.6 million). |
| Loans as a share of assets | 71% | Median of the same 7 credit unions: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $251.5 million → $272.1 million (+8%) | Median change of 7 other certified credit unions in Oregon: +4%. Rank by loans held among these 8: 5 → 5. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Oregon | 7 | larger than 43% |
| Loans held then vs now | certified credit unions in Oregon reporting both dates | 7 | rank 5 → 5 of 8 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Klamath Falls and Oregon
- Central Willamette Credit UnionCredit union · Albany, ORAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Home mortgages…Verified
- Community Housing FundLoan fund · Beaverton, ORAffordable housing development loans, Nonprofit / community facility loansVerified
- Community LendingWorksLoan fund · Springfield, ORAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans…Verified
- Community and Shelter Assistance CorporationLoan fund · Sherwood, ORAffordable housing development loansVerified
- Consolidated Federal Credit UnionCredit union · Portland, ORAuto / vehicle loans, Home mortgages, Small-business loansVerified
- Craft3Loan fund · Portland, ORCommercial real estate loans, Equipment loans, Home repair / improvement loans, Small-business loansVerified
Work at Sage Federal Credit Union? Link to this page
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