Money Market CHECKING
Balance	Dividend Rate	APY*
$50.00 to $2,499.99	1.094%	1.10%
$2,500.00 to $9,999.99	1.223%	1.23%
$10,000.00 to $24,999.99	1.391%	1.40%
$25,000.00 to $249,999.99	1.785%	1.80%
$250,000 and over	0.000%	0.00%
Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000.

Certificate Accounts
Term	Dividend Rate / APY*	Member Loyalty Certificate APY⁺ Available for money on deposit as of 1/1/2023
Certificate of Deposit Special 30-60 Days Valid on new deposits to the Credit Union only.	Dividend Rate 3.93% APY* 4.00%	N/A
3 Months 90 to 179 days	Dividend Rate 0.05% APY* 0.05%	Dividend Rate 1.17% APY* 1.18%
6 Months 180 to 359 days	Dividend Rate 0.10% APY* 0.10%	Dividend Rate 1.44% APY* 1.45%
12 Months 360 to 719 days	Dividend Rate 0.15% APY* 0.15%	Dividend Rate 1.39% APY* 1.40%
2 Years 720 to 1,079 days	Dividend Rate 0.15% APY* 0.15%	Dividend Rate 1.54% APY* 1.55%
3 Years 1,080 to 1,439 days	Dividend Rate 0.15% APY* 0.15%	Dividend Rate 1.59% APY* 1.60%
4 Years 1,440 to 1,799 days	Dividend Rate 0.15% APY* 0.15%	Dividend Rate 1.59% APY* 1.60%
5 Years 1,800 days	Dividend Rate 0.20% APY* 0.20%	Dividend Rate 1.69% APY* 1.70%
Calculations are based on interest that is accrued daily but paid and compounded monthly through the CD term. Calculations assume 30 days per month and that monthly interest is reinvested in the CD. Actual earnings may vary and may be lower if the account is subject to backup withholdings or if dividends are withdrawn prior to the maturity date of the certificate. $500 minimum deposit on certificates. Rates may change without prior notice. We may impose a penalty if you withdraw any of the principal before the maturity date. For 30 to 60 days Certificate accounts, the amount of the early withdrawal penalty is 30 days dividends. For all other certificate accounts, the amount of the early withdrawal penalty for your account is 90 days dividends; early withdrawal penalty could reduce earnings on the account. Balances in excess of $250,000 are not insured by NCUSIF.

CHECKING Products
	Minimum Balance Requirement	APY*
Basic Checking	none	0.00%
Premier Checking	none	0.05%
High Yield Checking	none	0.05%
Checking accounts earn dividends on average daily balances of $250.00 or more. Fees may reduce earnings.

IRA Savings
	APY*
IRA Shares	0.25%
Dividend on average daily balances of $50.00 or more

IRA Certificate Accounts
Term	APY*
1 Month 30 to 59 days	0.05%
2 Months 60 to 89 days	0.05%
3 Months 90 to 119 days	0.05%
4 Months 120 to 179 days	0.05%
6 Months 180 to 359 days	0.10%
12 Months 360 to 719 days	0.15%
2 Years 720 to 1,079 days	0.15%
3 Years 1,080 to 1,439 days	0.15%
4 Years 1,440 to 1,799 days	0.15%
5 Years 1,800 to 2,159 days	0.20%
6 Years 2,160 to 2,519 days	0.20%
7 Years 2,520 days	0.20%
$500 minimum deposit on certificates. Rates may change without prior notice. We may impose a penalty if you withdraw any of the principal before the maturity date. The amount of the early withdrawal penalty for your account is 90 days dividends. The amount of early withdrawal penalty for the 48 Month, 60 Month, 72 Month and 84 Month IRA Certificate is 180 days dividends. Balances in excess of $250,000 are not insured by NCUSIF. Early withdrawal penalty could reduce the earnings on the account.

SAVINGS Products
	Minimum Balance Requirement	APY*
Savings	$2.50	0.05%
Holiday Club	None
$0.01 to $5,000		0.25%
Above $5,000		0.00%
Includes Sub-Accounts, Student Accounts, Holiday, Special, Escrow, Vacation and Summer Loan Payment Savings. Dividend on average daily balances of $50.00 or more.

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

ATM Transactions: In addition to the fees charged on some accounts by Saratoga Federal, ATM owners may charge additional fees known as surcharges to use their ATMs. These vary by institution. The credit union has entered into an agreement to provide unlimited free ATM access at ATMs located near the customer service station at any Price Chopper/Market 32 stores within Saratoga, Washington and Warren counties. The credit union has also entered into an agreement with Stewart’s Shops and the CO-OP Network to allow member’s 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. ATM transactions include balance inquiries, deposits, withdrawals and transfers.

First Box of Checks: Member is responsible for shipping fees.

Rates effective as of 7/1/2024 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.

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 CardTrax

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

ATM

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.

Resources

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

Calculators

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.