Auto, Truck & Motorcycle
Loan Term In Months	Fixed Rate APR*	Variable Rate Fixed Payment**
To – 24	1.75%	Introductory First 6 Months 0.99% After Introductory Period Prime + 1.00%
25 – 36	3.25%
37 – 48	3.75%
49 – 60	4.00%
61 – 72	4.50%
73 – 84¹	4.75%
Rates Reflect 1.75% 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+ (1.00%). Discount applies to fixed rate loans only. 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%), 10+ 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%), 10+ 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%), 10+ 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%	7.25%

CA$HFlow Credit (Overdraft Protection)
	Index/Margin***	APR*
Revolving	Prime + 10.00%	15.25%
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 25 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 APR*
Up to 15 years	80% Loan to Value (CLTV)	3.99%
Up to 20 years	100% Loan to Value (CLTV)	7.75% Prime Rate + 2.50%
Not to exceed $250,000.00

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

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

AutOS, TRUCKS, & Motorcycles

Financing New or Pre-Owned Vehicles

Saratoga’s Credit Union offers financing on new or used vehicles with fixed and variable rate options. We make the auto buying experience easier with online dealer inventory searches, payment calculators and an easy mobile friendly loan application. Start your search for a car, truck or motorcycle right now! We understand you are more than just a credit score and, as a credit union, we believe that everyone deserves a second chance. Special financing options can offer an 84 month term on all new vehicles. A great way to help you afford more car for your money.

Refinance Your Existing Loan Today

If you already have a loan and are looking to decrease your payment or refinance into a better rate, we can help you too. Simply, apply today to get started. Here's what we offer:

Low payment terms
Great rates for all credit scores
NO payment for 60 days
Autos, trucks, or motorcycles
New/pre-owned purchase
Refinance from another institution, cash out equity may be available
Skip-A-Pay Program Available

Search Inventory Autos for Auction Apply

Search from over 2 Million Vehicles

Not sure what you want? Start by exploring your favorite vehicle body styles

SUVs

Sedans

Luxury Cars

Sports Cars

Pickup Trucks

Wagons

Minivans/Vans

Convertibles

Coupes

Electric/Hybrids

Hatchbacks

Specialty Vehicles

Payment Calculator

Find out how much you can afford

Apply For A Loan

Click to apply online today!

Get Pre-Approved Rates

The Application Process

Submit an Application
Get the process started by filling out our online loan application. You may also visit our branch location to fill out a paper application.
Get Preapproved
A lending representative will process your application and notify you if you are preapproved. Most of the time this could happen in the same day.
Find Your Vehicle
Visit a dealership and find your vehicle. Or shop online with our AutoSMART buying tool. Compare vehicles from local dealerships without setting foot on the lot.
Finalize Your Loan Documents
When you finalize the deal, send us the purchase agreement and sign the loan documents. Can’t make it into the branch? No problem! You can sign electronically using our secure online Docusign system
Get Your Money
We will cut you a check to purchase the vehicle.

Resources

Debt Protection

Your credit union wants to ensure that you and your loans are protected. Protect your family and lessen the burden of making your loan payments should you become unemployed, disabled or lose your life with Debt Protection.

Auto Insurance Discounts

With discounts for credit union members, the TruStage Auto Insurance Program could save you money. It’s easy to get a quote and make the switch—even if you’re already covered with another company, you won’t lose a penny.

Pay Your Loan

Securely pay your loan using a debit card or e-check from another bank or credit union.

Vehicles and Boats for Sale

Please refer to TCAR for terms and details, http://www.tcar-recovery.com/.

Disclosure: *1.00% vehicle cash rebate (maximum $500) offer is available on each vehicle loan application of $2,500 or more submitted between March 15, 2018 to May 31, 2018 for new/pre-owned vehicle purchases and refinance loans transferred from other lenders. Loans must close and fund by May 31, 2018 to be eligible. Loan must be active and in good standing with monthly payments made on time for at least 90 days in order to be eligible. If the loan is cancelled or paid off prior to 90 days the offer will become invalid. Rebate paid via account credit within 120 days of submitting a completed redemption form to the primary borrower’s account. Recipient is solely responsible for any personal tax liability arising out of this incentive. The credit union reserves the right to end this promotion at any time. Must be credit qualified. Offer not valid for existing Saratoga’s Credit Union loans.