Savings & Investments

Saratoga Federal 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.

Featured Product

Small Saver Certificate Special
Looking for a better return for your money without locking it up long term.  We have a solution for you with our Small Saver Certificate Special!

Small Saver Certificate

  • 30 & 60 Day Terms
  • Low Minimum Deposit - Only $500
  • Insured up to $250,000
  • Valid on new deposits to the credit union only

Small Saver Certificate Annual Percentage Yield
30 Day Term 4.00%
60 Day Term 4.00%

 

Open an Account

 

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 Actual earnings may vary and may be lower if the account is subject to backup withholdings or if dividends are withdrawn prior to the maturity date of the certificate.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.

 

Account Options Benefits Details

Holiday Club Account

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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.

Rates

Savings

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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

Minimum Opening Deposit:
$2.50

Minimum Average Daily Balance to Earn Dividends:
$50.00

Rates

Certificates

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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 varies based on term length.

Minimum Opening Deposit:
$500.00

Minimum Average Daily Balance to Earn Dividends:
$500.00

Term:
90 Days - 7 Years
*Small Savings Certificate Special offering 30 and 60 day terms.

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.