Auto, Truck & Motorcycle - limited time special Loan Term In Months Promotional Loyalty Fixed Rate APR* Variable Rate Fixed Payment** To – 24 3.50% 0.75% Introductory First 6 Months 0.99% After Introductory Period Prime + 1.00% 25 – 36 5.00% 2.25% 37 – 48 5.50% 2.75% 49 – 60 5.75% 3.00% 61 – 72 6.25% 3.50% 73 – 841 6.50% 3.75% Promotional Rates Reflect 2.75% Member Loyalty Discount Rates apply to new or used and include discounts for Automatic Payment Transfer (0.25%), 5+ Years of Membership (0.25%), Incite Rewards Redemption (0.25%), Vantage Credit Score 680+ (2.00%). Discount applies to fixed rate loans only. Limited time promotion, expires December 31, 2020. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Members with a variable rate/fixed payment loan are eligible to convert to a fixed rate option at any time during the life of the loan and are eligible for this promotion. Offer is not valid to refinance existing Saratoga’s Credit Union fixed rate loans. 184 month term applies to new autos only. Boat and RV Loan Term In Months Fixed Rate APR* Variable Rate Fixed Payment** To – 24 6.50% Introductory First 6 Months 4.50% After Introductory Period Prime + 3.00% 25 – 36 6.50% 37 – 48 6.50% 49 – 60 6.75% 61 – 72 7.00% 73 – 84 8.00% 85 – 120 8.50% Rates Reflect 0.75% Member Loyalty Discount Rates apply to new or used and include discounts for Automatic Payment Transfer (0.25%), 5+ Years of Membership (0.25%) and incite Rewards redemption (0.25%). Discount applies to fixed rate loans only. Outdoor Activity Loan Term In Months Fixed Rate APR* Variable Rate Fixed Payment** To – 24 7.25% Introductory First 6 Months 4.50% After Introductory Period Prime + 4.00% 25 – 36 7.25% 37 – 48 7.50% 49 – 60 7.75% Rates Reflect 0.75% Member Loyalty Discount Rates apply to new or used and include discounts for Automatic Payment Transfer (0.25%), 5+ Years of Membership (0.25%) and incite Rewards redemption (0.25%). Discount applies to fixed rate loans only. Personal Unsecured Loan Term In Months Fixed Rate APR* Variable Rate Fixed Payment** To – 24 8.25% Introductory First 6 Months 4.50% After Introductory Period Prime + 6.00% 25 – 36 12.25% 37 – 48 13.25% 49 – 60 13.25% Rates Reflect 0.75% Member Loyalty Discount Rates include discounts for Automatic Payment Transfer (0.25%), 5+ Years of Membership (0.25%) and incite Rewards Redemption (0.25%). Minimum Loan $500 | Maximum Loan $15,000.00 STUDENT & EDUCATIONAL LoanS Index/Margin*** APR* Undergraduate Student Loan Programs Click for Details Student Loan Refinance Program Consolidate Existing Student Loans Click for Details CU Educational Loan Daycare, Private Schools, Trade Schools, 2 or 4 Year College/University $5,000 per school year, $15,000 maximum aggregate, 120 month term, 1% Origination Fee. Prime + 2.00% 5.25% CA$HFlow Credit (Overdraft Protection) Index/Margin*** APR* Revolving Prime + 6.00% 9.25% Monthly payment is 2.00% of total outstanding balance or $25.00, whichever is greater. Overdraft is protection for your Checking Account. Limits of $250 to $15,000 Available Savings Secured Loan Annual Percentage Rate Up to 60 Months 4.25% Minimum monthly payment $35.00 Savings Secured Line of Credit APR* Revolving 9.90% Monthly Payment are calculated by costs per $100 of amount financed: $0.01 - $4000.00 $3.50 $4000.01 - $6000.00 $3.00 $6000.01 - $8000.00 $2.50 $8000.01 and over $2.40 Minimum Limit - $500 | Maximum Limit - $25,000.00 Certificate of Deposit Secured Loan Term Annual Percentage Rate Up to 36 Months Certificate Rate + 3.00% Limits available from $500 up to certificate balance. Home Equity Line of Credit Term Maximum Amount Annual Percentage Rate Term: Up to 20 Years Draw Period: 10 Years (included in repayment term) 80% Loan to Value (CLTV) Introductory First 12 Months 3.50% After Introductory Period Prime + 1.00% Term: Up to 20 Years Draw Period: 10 Years (included in repayment term) 100% Loan to Value (CLTV) Prime + 2.50% Not to exceed $250,000.00 Variable Rate: This plan has a variable rate feature and the annual percentage rate (corresponding to the periodic rate) and the minimum payment may change as a result. The annual percentage rate can change monthly and is based on the index plus a margin. Home Equity Loan Term Maximum Amount Fixed Annual Percentage Rate Up to 15 years 80% Loan to Value (CLTV) 3.99% Up to 20 years 100% Loan to Value (CLTV) 5.75% Prime Rate + 2.50% Not to exceed $250,000.00 Sample payment per $1,000, based on a 15 year Home Equity Loan at 80% Loan to Value (CLTV) is $7.40 per $1,000. Sample payment per $1,000, based on a 20 year Home Equity Loan at 100% Loan to Value (CLTV) is $7.91 per $1,000. Home Improvement Term Maximum Amount Annual Percentage Rate Up to 20 years 133% Loan to Value (CLTV) 10.00% 7 years $15,000 9.24% 6 years $15,000 7.99% 5 years $15,000 7.74% 4 years $15,000 7.49% 3 years $15,000 7.24% Minimum Loan $1,000.00 Sample payment per $1,000, based on a 20 year Home Improvement Loan at 133% Loan to Value (CLTV) is $9.66 per $1,000. Purchase Money Second Mortgage Term Maximum Amount Fixed APR* Up to 30 years 100% Loan to Value (CLTV) Mortgage Rate + 2.00% Mortgage Annual Percentage Rate Mortgage Programs Check Rates SCHOOL SUPPLY ASSISTANCE LOAN Loan Term In Months Fixed Rate APR* 9 Months 0.00% Qualifications Available to all New York State Certified Teachers who are currently employed as an educator in New York State. Proof of employment required. Through this program members will have a 9 month term to repay the loan with 0.00% Annual Percentage Rate (APR).