Saratoga's Community Federal Credit Union

thanku loyalty discounts

Annual Percentage Rate (Fixed)

Thanku Loyalty Discounts²

Auto, Truck, Motorcycle¹

24 months	6.500%
25-36 months	7.000%
37-48 months	7.500%
49-60 months	7.750%
61-72 months	8.250%
73-84 months	8.500%

Promotional Discount Available!
Discounts can be used individually or combined together for up to 2.00% off published rates.

680+ Credit Score	-1.00%
Refinance from Another Lender	-1.00%
Active Home Equity	-1.00%
College or Trade School Student	-0.50%
Active Checking or Money Market	-0.50%
New Member Discount	-0.50%
10+ Years of Membership	-0.50%
5+ Years of Membership	-0.25%
Automatic Payment Transfer	-0.25%
Payment Protection	-0.25%

Get Started

Payment Calculator

Boats & Recreational Vehicles³

Up to 120 months

8.000%

Outdoor Activity Vehicles⁴
ATV, UTV, Snowmobile, Personal Watercraft

Up to 60 months

9.000%

Personal Unsecured⁵

Up to 60 months

12.000%

Home Improvement⁶

Up to 36 months	8.25%
37-48 months	8.50%
49-60 months	8.75%
61-72 months	9.00%
73-84 months	10.25%

VARIABLE RATE FIXED PAYMENT LOANS

Enjoy a low variable rate with the security of a fixed payment that will not change. It's our way of helping you get the lowest payment possible so you can afford more of what you need.

	Annual Percentage Rate (Variable Rate/Fixed Payment)⁷
Auto, Truck, Motorcycle Up to 84 months⁸	Introductory APR* First 6 Months 0.99% After Introductory Period Prime + 1.00%
Boat & Recreational Vehicle Up to 120 months⁹	Introductory APR* First 6 Months 4.50% After Introductory Period Prime + 3.00%
Outdoor Activity Vehicle ATV, UTV, Snowmobile, Waverunner & more! Up to 60 months	Introductory APR* First 6 Months 4.50% After Introductory Period Prime + 4.00%
Personal Unsecured Up to 60 months	Introductory APR* First 6 Months 4.50% After Introductory Period Prime + 6.00%

	Annual Percentage Rate
Personal Line of Credit (Overdraft Protection)¹⁰ Term: Revolving	Prime + 6.00%¹¹
Savings Secured Line of Credit¹² Term: Revolving	Share Rate + 1.50%¹³

LOAN RATES

	Annual Percentage Rate
Teacher Assistance Loan¹⁴ Term: Up to 9 months	0.00%
Certificate of Deposit Secured Loan¹⁵ Term: Certificate Term	Certificate Rate + 3.00%
Share Secured Loan Term: Up to 60 months	Share Rate + 1.50%¹³
Tuition Loan¹⁶ Term: Up to 120 months	Prime + 2.00%¹¹
Undergraduate Student Loan Programs	Click for Details
Student Loan Refinance Program Consolidate Existing Student Loans	Click for Details

REAL-ESTATE LOANS

	Annual Percentage Rate
Mortgages Conventional Adjustable Rate (ARM) Federal Housing Administration (FHA) Veteran Affairs (VA) United States Department of Agriculture (USDA) Additional programs also available!	Click for Rates
Home Equity Line of Credit Term: Up to 20 years Draw Period: 10 years (included in repayment) Loan to Value (LTV): 80%	Introductory Period First 12 Months 5.50% After Introductory Period Prime + 1.00%¹⁷
Term: Up to 20 years Draw Period: 10 years (included in repayment) Loan to Value (LTV): 100%	Prime + 2.50%¹¹
Home Equity Loan Term: Up to 15 years Loan to Value (LTV): 80%	6.99%¹⁸
Term: Up to 20 years Loan to Value (LTV): 100%	9.75%¹⁹
Home Improvement Up to 20 years Loan to Value (LTV): 133%	11.00%²⁰

Email Signup