SMALL SAVINGS CAN ADD UP BIG
Not sure how much to save--check out the example below to help plan for your holidays.
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Weekly Savings |
12 Month Savings* |
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$5 |
$260 |
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$10 |
$520 |
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$20 |
$1,040 |
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$30 |
$1,560 |
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$40 |
$2,080 |
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$50 |
$2,600 |
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$75 |
$3,900 |
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$100 |
$5,200 |
Money Market CHECKING
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Balance |
Dividend Rate |
APY* |
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$50.00 to $2,499.99 |
1.094% |
1.10% |
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$2,500.00 to $9,999.99 |
1.223% |
1.23% |
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$10,000.00 to $24,999.99 |
1.391% |
1.40% |
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$25,000.00 to $249,999.99 |
1.785% |
1.80% |
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$250,000 and over |
0.000% |
0.00% |
|
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SHORT-TERM CERTIFICATE SPECIAL
NEW MONEY REQUIRED
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Term |
Dividend Rate |
APY* |
|
30 Day |
3.93% |
4.00% |
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60 Day |
3.93% |
4.00% |
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3 Month |
3.93% |
4.00% |
|
6 Month |
3.93% |
4.00% |
CERTIFICATE SPECIAL - NEW MONEY REQUIRED
NO PENALTY FOR EARLY WITHDRAWAL
|
Term |
Dividend Rate |
APY* |
|
12 Month Special |
1.39% 4.41% |
1.40% 4.50% |
|
24 Month Special |
1.54% 4.41% |
1.55% 4.50% |
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36 Month |
1.59% |
1.60% |
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48 Month |
1.59% |
1.60% |
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60 Month |
1.69% |
1.70% |
STANDARD CERTIFICATE RATES
NEW MONEY NOT REQUIRED
|
Term |
Dividend Rate |
APY* |
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3 Month |
1.17% |
1.18% |
|
6 Month |
1.44% |
1.45% |
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12 Month |
1.39% |
1.40% |
|
24 Month |
1.54% |
1.55% |
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36 Month |
1.59% |
1.60% |
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48 Month |
1.59% |
1.60% |
|
60 Month |
1.69% |
1.70% |
CHECKING Products
|
|
Minimum Balance
Requirement |
APY* |
|
Basic Checking |
none |
0.00% |
|
Premier Checking |
none |
0.05% |
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High Yield Checking |
none |
0.05% |
|
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IRA Savings
|
|
APY* |
|
IRA Shares |
0.25% |
|
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IRA Certificate Accounts
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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% |
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SAVINGS Products
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Minimum Balance
Requirement |
APY* |
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Savings |
$2.50 |
0.05% |
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Holiday Club |
None |
|
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$0.01 to $5,000
|
|
0.25% |
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Above $5,000 |
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0.00% |
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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
No Penalty Share Certificate Special
Enjoy all the rewards of a share certificate without the risk with our penalty free certificate special. Limited time special rate with flexibility you won't get anywhere else!
No Penalty Share Certificate Special
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Terms 12 & 24 Months
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Low Minimum Deposit - Only $500
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Insured up to $250,000
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Valid on new deposits to the credit union only
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Term |
Annual Percentage Yield |
|
12 Months |
4.50% |
|
24 Months |
4.50% |
Open an Account
Dividend rate is 4.41%. 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. Penalty for early withdrawal waived through this offer. Balances in excess of $250,000 are not insured by NCUSIF.
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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
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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
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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
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Minimum Opening Deposit:
$2.50
Minimum Average Daily Balance to Earn Dividends:
$50.00
Rates
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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.
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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
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Individual Retirement Account (IRA) Savings
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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.
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Minimum Opening Deposit:
$0.00
Minimum Average Daily Balance to Earn Dividends:
$50.00
Rates
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Individual Retirement Account (IRA) Certificates
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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.
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Minimum Opening Deposit:
$500.00
Minimum Average Daily Balance to Earn Dividends:
$500.00
Term:
30 Days to 7 Years
Rates
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Resources
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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.
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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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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.
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