Money Markets
Balance	APY*
$50.00 to $2,499.99	0.10%
$2,500.00 to $9,999.99	0.10%
$10,000.00 to $24,999.99	0.10%
$25,000.00 and over	0.10%
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

SAVINGS & CHECKING Products
	Minimum Balance Requirement	APY*
Savings	$2.50	0.10%
Includes Sub-Accounts, Student Accounts, Holiday, Special, Escrow, Vacation and Summer Loan Payment Savings. Dividend on average daily balances of $50.00 or more.
Basic Checking	none	0.00%
Interest Checking	none	0.25%
High Yield Checking	none
$250 to $5,000		1.00%
Above $5,000		0.25%
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 & 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
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	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	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.

Savings & Investments

Resources

Mobile & Online Banking

Financial Planning & Insurance

Mortgage Center

Email Signup