Sage Line of Credit


Our Sage Line of Credit (LOC) provides flexibility and easy access to funds at lower rates than most credit cards. LOCs are a good choice for debt consolidation, medical expenses, or major purchases.  

You can apply for a Sage LOC in any amount from $2,500 to $25,000 to use whenever needed. Apply online as a personal loan or visit your neighborhood branch. 


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Sage Line of Credit

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Credit Score APR Term Minimum Amount Maximum Amount
760+ 12.50% Flexible $2,500 $25,000
740 - 759 14.00% Flexible $2,500 $25,000

Interest Rates Effective: 1/2/2023

The annual percentage rate (APR) is variable and is based upon an index (WSJ Prime) plus a margin, which is varied based on credit score. Minimum credit score to open is 740. No annual maintenance fee. Subject to credit approval, eligibility and credit qualifications. Sage LOC credit limit may be reduced or additional extensions of credit limited, if certain circumstances occur. First Fed checking account is required.



We also offer these additional funding solutions:

Personal Loans

Unsecured loans let you borrow money without collateral. Fixed interest rates for predictable payments.

Home Equity

Home equity loans or lines of credit deliver more flexibility and lower-interest rates than most unsecured personal loans.

Certificates of Deposit (CDs)

Our CDs offer competitive fixed rates and different term lengths to match your financial needs and savings goals.

Build Your Credit

Establish or rebuild your credit with a Credit Builder Loan.