Saratoga's Community Federal Credit Union
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Money Market CHECKING
  APY*
Money Market Checking 0.05%
Dividend on average daily balances of $50.00 or more; 3 free withdrawals per month, a $5.00 fee for each withdrawal after the first 3 per month.

 

Certificate Accounts
Term APY*
3 Months
90 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 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; 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.

 

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Saratoga’s Community Federal Credit Union. Serving the Saratoga Community since 1945.
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Routing Number:  221379659
Phone:  518-583-2323

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Text a Zip Code to 91989 to find nearby ATM and Shared Branch Locations

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