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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.

Account Options Benefits Details

Holiday Club Account

Bring back the magic of the holidays without the stress of affording it.  Saving small amounts each week, along with a premium interest rate will help ensure you can make the most of the holidays.  Spend more time with your family/friends and less stress over affording the holidays. 

Set up auto deduction to save small amounts from your paycheck each week.  Transfers to the account through mobile/online banking also available.

Savings Table

Minimum Opening Deposit:
$0.00


Minimum Average Daily Balance to Earn Dividends:
$0.01

Terms 
Checks are mailed on or after November 1st each year to the address on file.  The account will continue to remain open to allow for future savings.  Any additional withdrawals are subject to an early withdrawal fee.

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

Minimum Opening Deposit:
$2.50

Minimum Average Daily Balance to Earn Dividends:
$50.00

Rates

Money Market

Open

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

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

Individual Retirement Account (IRA) Savings

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

Individual Retirement Account (IRA) Certificates

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.

Minimum Opening Deposit:
$500.00

Minimum Average Daily Balance to Earn Dividends:
$500.00

Term:
30 Days to 7 Years

Rates

Resources

Mobile & Online Banking

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.

Financial Planning & Insurance

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.

Mortgage Center

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.