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%	6.75%

CA$HFlow Credit (Overdraft Protection)
	Index/Margin***	APR*
Revolving	Prime + 10.00%	14.75%
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 APR*
Up to 15 years	80% Loan to Value (CLTV)	3.99%
Up to 20 years	100% Loan to Value (CLTV)	7.25% 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

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).

AutOS, TRUCKS, & Motorcycles

SPECIAL - LIMITED TIME PROMOTION

Fall is one of the best times to purchase a vehicle and to help you afford what you want we are launching a limited time 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	Promotional Loyalty Fixed Rate APR*
Up to 24 months	~~3.50%~~ 0.75%	APPLY
25 - 36 months	~~5.00%~~ 2.25%	APPLY
37 - 48 months	~~5.50%~~ 2.75%	APPLY
49 - 60 months	~~5.75%~~ 3.00%	APPLY
61 - 72 months	~~6.25%~~ 3.50%	APPLY
73 - 84¹ months	~~6,50%~~ 3.75%	APPLY

*Annual Percentage Rate
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 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:

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.

Vehicles and Boats for Sale

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

Holiday Skip-a-Pay is Back!