SMALL SAVINGS CAN ADD UP BIG

Not sure how much to save--check out the example below to help plan for your holidays.

Weekly Savings	12 Month Savings*
$5	$260
$10	$520
$20	$1,040
$30	$1,560
$40	$2,080
$50	$2,600
$75	$3,900
$100	$5,200

*Dividends earned are not included in this example

Money Market CHECKING
Balance	Dividend Rate	APY*
$50.00 to $2,499.99	0.598%	0.60%
$2,500.00 to $9,999.99	0.728%	0.73%
$10,000.00 to $24,999.99	0.896%	0.90%
$25,000.00 to $249,999.99	1.292%	1.30%
$250,000 and over	0.000%	0.00%
Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000.

SHARE CERTIFICATES

	STANDARD RATES New Money Not Required		PROMOTIONAL RATES New Money Required
Term	Dividend Rate	APY*	Dividend Rate	APY*
30 Day	1.243%	1.25%	1.243%	1.25%
60 Day	1.243%	1.25%	1.490%	1.50%
3 Month	1.243%	1.25%	2.960%	3.00%
6 Month	1.342%	1.35%	3.203%	3.25%
12 Month	1.440%	1.45%	3.445%	3.50%
24 Month	1.539%	1.55%	3.445%	3.50%
36 Month	1.638%	1.65%	3.445%	3.50%
48 Month	1.736%	1.75%	3.445%	3.50%
60 Month	1.835%	1.85%	3.445%	3.50%

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 Actual earnings may vary and may be lower if the account is subject to backup withholdings or if dividends are withdrawn prior to the maturity date of the certificate.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

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	Dividend Rate	APY*
1 Month 30 to 59 days	1.243%	1.25%
2 Months 60 to 89 days	1.243%	1.25%
3 Months 90 to 119 days	1.243%	1.25%
6 Months 180 to 359 days	1.342%	1.35%
12 Months 360 to 719 days	1.44%	1.45%
24 Months 720 to 1,079 days	1.539%	1.55%
36 Months 1,080 to 1,439 days	1.638%	1.65%
48 Months 1,440 to 1,799 days	1.736%	1.75%
60 Months 1,800 to 2,159 days	1.835%	1.85%
$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.

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.

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

Share Certificate Special
Limited time special rate with terms as low as 12 months and as high as 60 months. You pick the term that works best for you!

Share Certificate Special

Terms 12 - 60 Months
Low Minimum Deposit - Only $500
Insured up to $250,000
Valid on new deposits to the credit union only

Term	Annual Percentage Yield
12 Months - 60 Months	3.50%

Open an Account

Dividend Rate 3.445%. 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. Share Certificate does not automatically renew and is for new money deposits only. Advertised rate and Annual Percentage Yield (APY) are offered at the credit union’s discretion and may change daily. Penalty may be imposed for early withdrawal. The amount of the penalty is 90 days dividends. Early withdrawal penalty could reduce earnings and may be deducted from the principal. Balances in excess of $250,000 are not insured by NCUSIF.

Account Options	Benefits	Details
Holiday Club Account Open Already a member? Great, add this account to your membership by clicking below. + Add 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. Rates
Savings Open Already a member? Great, add this account to your membership by clicking below. + Add Account	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 Open Already a member? Great, add this account to your membership by clicking below. + Add Account	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: 30 Days - 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 5 Years Rates

Resources

Mobile & Online Banking

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