Auto, Truck & Motorcycle - limited time special
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Loan Term In Months |
Fixed Rate APR* |
Variable Rate Fixed Payment** |
|
To – 24 |
1.75% 0.75% |
Introductory First 6 Months
0.99%
After Introductory Period
Prime + 1.00%
|
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25 – 36 |
3.25% 2.25% |
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37 – 48 |
3.75% 2.75% |
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49 – 60 |
4.00% 3.00% |
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61 – 72 |
4.50% 3.50% |
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73 – 841 |
4.75% 3.75% |
|
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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% |
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61 – 72 |
7.00% |
|
73 – 84 |
8.00% |
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85 – 120 |
8.50% |
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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%
|
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25 – 36 |
7.25% |
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37 – 48 |
7.50% |
|
49 – 60 |
7.75% |
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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%
|
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49 – 60 |
13.25% |
|
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STUDENT & EDUCATIONAL LoanS
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|
Index/Margin*** |
APR* |
|
Undergraduate Student Loan Programs |
Click for Details |
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Student Loan Refinance Program
Consolidate Existing Student Loans |
Click for Details |
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CU Educational Loan
Daycare, Private Schools, Trade Schools, 2 or 4 Year College/University
|
Prime + 2.00% |
7.25% |
CA$HFlow Credit (Overdraft Protection)
|
|
Index/Margin*** |
APR* |
|
Revolving |
Prime + 10.00% |
15.25% |
|
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Savings Secured Loan
|
|
Annual Percentage Rate |
|
Up to 60 Months |
4.25% |
|
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Savings Secured Line of Credit
|
|
APR* |
|
Revolving |
9.90% |
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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 |
|
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Certificate of Deposit Secured Loan
|
Term |
Annual Percentage Rate |
|
Up to 36 Months |
Certificate Rate + 3.00% |
|
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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% |
|
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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%
|
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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% |
|
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Purchase Money Second Mortgage
|
Term |
Maximum Amount |
Fixed APR* |
|
Up to 30 years |
100% Loan to Value (CLTV) |
Mortgage Rate + 2.00% |
|
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Mortgage
|
|
Annual Percentage Rate |
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Mortgage Programs |
Check Rates
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AutOS, TRUCKS, & Motorcycles
SUMMER RATE SPECIAL - LIMITED TIME PROMOTION
Rates have dropped for the Summer Auto Loan Special! This is our best vehicle loan deal of the year, you won't want to miss out. Whether you are purchasing a new/used auto, truck or motorcycle or you would like to refinance an existing loan, we want to help!
Apply Today - It's simple and there is no application fee. Once we receive your application, we will personally contact you to review our programs and answer any questions you may have.
NEW & USED AUTO, TRUCK & MOTORCYCLE RATES
|
Loan Term |
Fixed Rate APR* |
|
|
Up to 24 months |
1.75% 0.75% |
APPLY |
|
25 - 36 months |
3.25% 2.25% |
APPLY |
|
37 - 48 months |
3.75% 2.75% |
APPLY |
|
49 - 60 months |
4.00% 3.00% |
APPLY |
|
61 - 72 months |
4.50% 3.50% |
APPLY |
|
73 - 841 months |
4,75% 3.75% |
APPLY |
*Annual Percentage Rate
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 September 30, 2019. The credit union reserves the right to end this promotion at any time. 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. For a $20,000 car loan for a term of 60 months with a 3.00% APR, the monthly payment will be $359.38.
184 month term applies to new autos only.
APPLY
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:
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Low payment terms
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Great rates for all credit scores
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NO payment for 60 days
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Autos, trucks, or motorcycles
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New/pre-owned purchase
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Refinance from another institution, cash out equity may be available
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Skip-A-Pay Program Available
Search Inventory Autos for Auction Apply
Search from over 2 Million Vehicles
The Application Process
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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.
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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.
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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.
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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
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Get Your Money
We will cut you a check to purchase the vehicle.
Resources
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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.
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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.
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Securely pay your loan using a debit card or e-check from another bank or credit union.
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Vehicles and Boats for Sale
Please refer to TCAR for terms and details, http://www.tcar-recovery.com/.