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	1.094%	1.10%
$2,500.00 to $9,999.99	1.223%	1.23%
$10,000.00 to $24,999.99	1.391%	1.40%
$25,000.00 to $249,999.99	1.785%	1.80%
$250,000 and over	0.000%	0.00%
Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000.

Certificate Accounts
Term	Dividend Rate / APY*	Member Loyalty Certificate APY⁺ Available for money on deposit as of 1/1/2023
Certificate of Deposit Special 30-60 Days Valid on new deposits to the Credit Union only.	Dividend Rate 3.93% APY* 4.00%	N/A
3 Months 90 to 179 days	Dividend Rate 0.05% APY* 0.05%	Dividend Rate 1.17% APY* 1.18%
6 Months 180 to 359 days	Dividend Rate 0.10% APY* 0.10%	Dividend Rate 1.44% APY* 1.45%
12 Months 360 to 719 days	Dividend Rate 0.15% APY* 0.15%	Dividend Rate 1.39% APY* 1.40%
2 Years 720 to 1,079 days	Dividend Rate 0.15% APY* 0.15%	Dividend Rate 1.54% APY* 1.55%
3 Years 1,080 to 1,439 days	Dividend Rate 0.15% APY* 0.15%	Dividend Rate 1.59% APY* 1.60%
4 Years 1,440 to 1,799 days	Dividend Rate 0.15% APY* 0.15%	Dividend Rate 1.59% APY* 1.60%
5 Years 1,800 days	Dividend Rate 0.20% APY* 0.20%	Dividend Rate 1.69% APY* 1.70%
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 Actual earnings may vary and may be lower if the account is subject to backup withholdings or if dividends are withdrawn prior to the maturity date of the certificate.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	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 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

Make your Holiday Dreams a Reality
Our holiday club accounts offer an effortless and convenient way to save for the holidays.

Holiday Club Account

Ensures enough savings for holiday expenses
Automatically transfer for ease and convenience
Provides affordable weekly deposits that add up quickly
No minimum balance required to open

Open an Account

Weekly Savings	12 Month Savings*
$10	$520
$20	$1,040
$30	$1,560
$50	$2,600
$100	$5,200
*Dividends earned are not included in this example.

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: 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.

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