Checking Accounts


Featured Product - Free Money Market Checking

See how your money market compares with our new and improved Money Market Checking Account.  Greater access, better rates--it all adds up to more money in your pocket.  Make the switch today.

Money Market Checking Account

  • Unlimited Withdrawals
  • Thanku Discounts for Loans
  • Free Money Market Checking Account
  • Free Paper Statements
  • Better Rates without the Long-Term Commitment
  • Bill Pay Access
  • Mobile Deposits
  • External Transfers
  • eCash Account


Open an Account

Balance APR*
$50.00 to $2,499.99 1.10%
$2,500.00 to $9,999.99 1.23%
$10,000.00 to $24,999.99 1.40%
$25,000.00 to $249,999.99 1.80%
$250,000 and over 0.00%
*Annual Percentage Rate
Dividends earned on average daily balances of $50.00 to $250,000 Maximum balances $250,000. Rates as of 6/1/24.

Money Market Comparison Tool
Find the best money market for you with this comparison tool.  Once you compare you'll see the difference of banking with Saratoga Federal.


Checking Account Comparison

Our checking accounts offer all the best in convenience banking.  Equipped with all the tools to manage your finances.  Deposit checks and pay bills through your mobile device.  Stay protected with overdraft privilege for those times you need a little help between paychecks.  Choose which account is right for you.  

Signing Up for eStatements

Open Account


*Surcharge-free ATM transactions per month are cumulative. ATM transactions include balance inquiries, deposits, withdrawals and transfers. In addition to the fees charged on some accounts by Saratoga’s Community FCU, ATM owners may charge additional fees known as surcharges to use their ATMs. These vary by institution. Our credit union has entered into an agreement with Stewart’s Shops and the CO-OP Network to allow members access to participating ATMs, Kiosks and cash dispensing terminals without paying surcharges. Credit union fees for exceeding the maximum amount of transactions as stated in our fee schedule and your account agreement will still apply.

**Member is responsible for shipping fees.

Rates effective as of 6/1/2024 and are subject to change without notice. Fees may reduce earnings.

Move Money

Need to move some money?  Check out these options:

External Transfers
Transfer funds between your credit union accounts and accounts that you own at other financial instiutions.  Access this feature through the desktop or mobile application and the transfer can be processed within 3 business days.  Once you have used the system routinely you will be able to unlock the next day feature and move money in as little as one business day.

Download on the App Store   Download from Google Play

Wire Transfers
Fast, easy and reliable – send funds to someone across the country or on the other side of the world.  Available at our Saratoga Service Center location.

Debit Card with CardValet Fraud Protection App

Nationwide Surcharge-Free ATM Access
Over 30,000 surcharge-free* ATMs nationwide, including UNLIMITED access at Price Chopper/Market 32 customer service ATMs in Saratoga, Warren and Washington counties and discounted access at Stewart’s Shops ATMs.  Plus, use your debit card to make purchases anywhere Visa® is accepted.

CardTrax Within The Saratoga Federal Mobile App

Monitor your account on the go, with CardTrax you can control how, when and where your debit card is used. 

  • Turn your debit card on and off
  • Establish transaction spending limits
  • Set Alerts and Notifications
  • Link accounts to better monitor dependent spending
  • Set Travel Alerts

Who should use CardTrax?

Parents: Link accounts with children who are away at college.  By using the GPS system in their smart phone, geographic use restrictions can be established for college students along with restrictions on merchant type and spending limits.
Business:  Monitor or control for specific merchant categories, such as travel, restaurants or entertainment, and can be denied or reported for types of merchants deemed not business related.
Limited Card User:  If you only use your card on a limited basis you can easily turn your card off when it is not in use.
Experienced Card User:  Set alerts to monitor transactions, utilize geographic limits to protect from fraudulent activity.

Learn More


Activation Line:   800.992.3808
Lost/Stolen Line:  800.472.3272 
Lost/Stolen (Out of USA): 800.472.3272

How long does it take to receive a debit card?
Our branches can print your card on the spot!  Get your new or replacement card at one of our branch locations today.

*Refer to checking account table above for details.  Also see our Fee Schedule.

Overdraft Privilege

We’ve all been there - unforeseen expenses resulting in bounced checks or declined transactions.

How it Works
With Overdraft Privilege, the credit union will process your checks, ACH and debit card transactions, when there are not enough funds in your accounts.  Save money with Overdraft Privilege with a reduced processing fee, priced lower than the Non-Sufficient Funds (NSF) charge you would have received if the items were returned. Plus avoid any additional fees normally charged by merchants for returned items.

ATM and Debit Card Transactions
In order for the credit union to authorize ATM and everyday Debit card transactions, you must give us your consent to do so by ‘opting in’. Instead of being declined during a time of need, Overdraft Privilege will help you cover the expense. Opt in online today!

Overdraft Privilege Opt-In

Please take a moment to review the Discretionary Overdraft Privilege Policy.

To opt out of the program entirely, please download, print and fill out the form.

*Overdraft Privilege is not a line of credit. You may opt out of this service at any time. There are no additional monthly fees; fees are only assessed if you use the service. Account must be in good standing.


Mobile App

Manage your money on the go with our Mobile App.  Make deposits, transfer funds, and find locations all with just a tap on your phone.  iPhone Download | Android Download


Ever wonder how long it would take to become a millionaire or how much money you may need in retirement.  Use our savings and retirement calculators to start planning for the future.

Protect the Ones You Love

Different life stages mean different responsibilities. As those commitments build, grow and change, make sure to evaluate the insurance coverage you need to protect them.