Money Markets
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Balance |
APY* |
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$50.00 to $2,499.99 |
0.10% |
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$2,500.00 to $9,999.99 |
0.10% |
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$10,000.00 to $24,999.99 |
0.10% |
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$25,000.00 and over |
0.10% |
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Certificate Accounts
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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% |
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SAVINGS & CHECKING Products
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Minimum Balance
Requirement |
APY* |
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Savings |
$2.50 |
0.10% |
|
|
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Basic Checking |
none |
0.00% |
|
Interest Checking |
none |
0.25% |
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High Yield Checking |
none |
|
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$250 to $5,000 |
|
1.00% |
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Above $5,000 |
|
0.25% |
|
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IRA Savings
|
|
APY* |
|
IRA Shares |
0.25% |
|
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IRA Certificate Accounts
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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% |
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Savings & Investments
Saratoga’s Credit Union wants to help you save for the expected and unexpected. Life is full of surprises and having a bit of money stashed away could make all the difference. Whether you are just getting started or have long-term goals, we have a savings solution for you and it doesn’t involve hiding money under a mattress.
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Account Options |
Benefits |
Details |
|
Savings
Open
|
Routine savings can add up in the long-term. Save a little each week with automatic transfers and direct deposit.
Account is ideal for:
Youth Accounts
Escrow Savings
Vacation Savings
Holiday Club Accounts
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Minimum Opening Deposit:
$2.50
Minimum Average Daily Balance to Earn Dividends:
$50.00
Rates
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Money Market
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Money market accounts provide you with flexibility in accessing your money without locking into a defined term.
More Details:
Includes three (3) free withdrawals per month. After the first 3 per month a $5.00 fee for each withdrawal will be assessed.
|
Minimum Opening Deposit:
$50.00
Minimum Average Daily Balance to Earn Dividends:
$50.00 or More
Rates
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Certificates
Open
|
Let your money work for you by locking in to a specific term which you select. Choose any length that meets your needs from 90 days to 5 years.
More Details:
A penalty may be imposed for withdrawing any of the principal prior to the maturity date. The amount of the early withdrawal penalty for the account is 90 days dividends.
|
Minimum Opening Deposit:
$500.00
Minimum Average Daily Balance to Earn Dividends:
$500.00
Term:
90 Days to 5 Years
Rates
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Individual Retirement Account (IRA) Savings
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An Individual Retirement Account (IRA) is a dividend-bearing, account that may offer tax advantages when the money is deposited for the purpose of saving toward retirement or higher education.
Whether you’re looking forward to retirement or saving for a child or grandchild’s college savings fund we offer a variety of IRA options to meet your needs.
Depending on your choice, you may be able to take a tax deduction. Please consult your tax advisor for more information on if you qualify.
Traditional, Roth and Educational IRAs available.
|
Minimum Opening Deposit:
$0.00
Minimum Average Daily Balance to Earn Dividends:
$50.00
Rates
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Individual Retirement Account (IRA) Certificates
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An Individual Retirement Account (IRA) is a dividend-bearing, tax deferred account that may offer tax advantages when the money is deposited for the purpose of saving toward retirement or higher education.
Traditional, Roth and Educational IRAs available.
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Minimum Opening Deposit:
$500.00
Minimum Average Daily Balance to Earn Dividends:
$500.00
Term:
30 Days to 7 Years
Rates
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Resources
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Account access is not a term Saratoga’s Credit Union uses lightly. When we say we are everywhere, we mean it. Discover all of the ways you can access your account.
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Part of ensuring a strong financial picture today and tomorrow lies in protecting the assets you have built and planning out for your future. Sterling Manor Financial, LLC is offering members complimentary consultation services to ensure you can achieve your goals.
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Buying a home is an exciting process full of challenges and rewards. Let us be your guide through this process. Visit our Mortgage Center for FAQ’s, rates, online application and more.
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