Auto, Truck & Motorcycle - **limited time special**
Loan Term In Months	Promotional Fixed Rate APR*	Variable Rate Fixed Payment**
To – 24	~~3.50%~~ 0.99%	Introductory First 6 Months 0.99% After Introductory Period Prime + 1.00%
25 – 36	~~5.00%~~ 1.49%
37 – 48	~~5.50%~~ 1.69%
49 – 60	~~5.75%~~ 1.89%
61 – 72	~~6.25%~~ 2.99%
73 – 84¹	~~6.50%~~ 3.99%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. Rates apply to all vehicle loan options and include new or used. Discount applies to fixed rate loans only. Sample payment based on a 60 month Auto Loan at 1.89% APR* is $17.48 per $1,000. Limited time promotion, expires 12/31/2021. 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 - **Loyalty Discount**
Loan Term In Months	Loyalty Discount Fixed Rate APR*	Variable Rate Fixed Payment**
To – 24	~~6.50%~~ 3.75%	Introductory First 6 Months 4.50% After Introductory Period Prime + 3.00%
25 – 36	~~6.50%~~ 3.75%
37 – 48	~~6.50%~~ 3.75%
49 – 60	~~6.75%~~ 4.00%
61 – 72	~~7.00%~~ 4.25%
73 – 84	~~8.00%~~ 5.25%
85 – 120	~~8.50%~~ 5.75%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. Rates apply to new or used boats and RVs. Discount applies to fixed rate loans only. Sample payment per $1,000, based on a 120 month Boat/RV Loan at 5.75% is $10.98 per $1,000. Limited time promotion, expires 12/31/2021. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Offer is not valid to refinance existing Saratoga’s Credit Union fixed rate loans.

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%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. 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%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. 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 $20,000.00

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%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.

CA$HFlow Credit (Overdraft Protection)
	Index/Margin***	Variable APR*
Revolving	Prime + 6.00%	9.25%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. 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 $20,000 Available

Savings Secured Loan
	Annual Percentage Rate
Up to 60 Months	1.55% Share Rate + 1.50%
NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT. Minimum monthly payment $35.00

Savings Secured Line of Credit
	Index/Margin	Variable APR*
Revolving	Share + 1.50%	1.55%
NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT. Minimum Limit - $500 \| Maximum Limit - $75,000.00 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. As of 6/30/2021 the Share Rate was 0.05% APR (Annual Percentage Rate). The rate will be adjusted on the last day of every month plus the margin.

Certificate of Deposit Secured Loan
Term	Annual Percentage Rate
Up to 36 Months	Certificate Rate + 3.00%
NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT. 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 3.25% After Introductory Period Prime + 1.00% POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 600.
Term: Up to 20 Years Draw Period: 10 Years (included in repayment term)	100% Loan to Value (CLTV)	Prime + 2.50% POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
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.

RATE APPLIES TO ALL CREDIT SCORES ABOVE 600.

Home Equity Loan
Term	Maximum Amount	Fixed Annual Percentage Rate
Up to 15 years	80% Loan to Value (CLTV)	3.99% POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 600.
Up to 20 years	100% Loan to Value (CLTV)	5.75% Prime Rate + 2.50% POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
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 - **Limited time Special**
Loan Term in Months	Maximum Amount	Annual Percentage Rate
To - 36	$15,000	~~7.24%~~ 4.99%
37 - 48	$15,000	~~7.49%~~ 4.99%
49 - 60	$15,000	~~7.74%~~ 4.99%
61 - 72	$15,000	~~7.99%~~ 4.99%
73 - 84	$15,000	~~9.24%~~ 4.99%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. Minimum Loan $1,000.00 Limited time promotion, expires 12/31/2021. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified.

Loan Term in Months	Maximum Amount	Annual Percentage Rate
Up to 20 Years	133% Loan to Value (CLTV)	10.00%
RATE APPLIES TO ALL CREDIT SCORES ABOVE 660. 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. Must be credit qualified.

Loan Term in Months

Maximum Amount

Annual Percentage Rate

Up to 20 Years

133% Loan to Value (CLTV)

10.00%

RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.

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. Must be credit qualified.

Purchase Money Second Mortgage loan
Term	Maximum Amount	Fixed APR*
Up to 30 years	100% Loan to Value (CLTV)	Mortgage Rate + 2.00%
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.

PURCHASE MONEY SECOND MORTGAGE line of credit

Term	Maximum Amount	Annual Percentage Rate
Term: Up to 30 Years Draw Period: 10 Years (included in repayment term)	100% Loan to Value (CLTV)	Prime + 2.50%
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.

Term

Maximum Amount

Annual Percentage Rate

Term: Up to 30 Years

Draw Period: 10 Years
(included in repayment term)

100% Loan to Value (CLTV)

Prime + 2.50%

POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.

Mortgage
	Annual Percentage Rate
Mortgage Programs	Check Rates

SCHOOL SUPPLY ASSISTANCE LOAN
Loan Term In Months	Fixed Rate APR*
9 Months	0.00%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. 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).

MORTGAGE REFINANCE line of credit
Terms	Details	Annual Percentage Rate
Term: Up to 25 Years Draw Period: 10 Years (included in repayment term) Maximum Amount: 100% Loan to Value (CLTV) Maximum $250,000	No PMI Required No Appraisal Fee No Title Search Fee No Application Fee No Attorney Fee No Recording Fee No Pre Payment Penalty No Tax Escrow Required Cash Out Available	4.25% Prime + 1.00% POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
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. Title insurance may be required at owner’s expense. This offer is good for refinance only, cash out may be available. Must be primary residence and first lien only. Maximum amount financed is 100% of the combined loan to value (CLTV), not to exceed $250,000. New York State mortgage tax is required and paid by the borrower. Geographic Areas: Only properties located in the following counties will be considered: Albany, Fulton, Montgomery, Rensselaer, Saratoga, Schenectady, Warren and Washington. 1.00% Origination Fee Applies.

mortgage refinance LOAN
Terms	Maximum Amount	Fixed Annual Percentage Rate
Term: Up to 20 years Maximum Amount: 100% Loan to Value (CLTV) Maximum $250,000	No PMI Required No Appraisal Fee No Title Search Fee No Application Fee No Attorney Fee No Recording Fee No Pre Payment Penalty No Tax Escrow Required Cash Out Available.	5.25% Prime Rate + 2.00% POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
Term: Up to 30 years Maximum Amount: 100% Loan to Value (CLTV) Maximum $250,000	100% Loan to Value (CLTV) Maximum $250,000 Cash Out Not Available.	5.25% Prime Rate + 2.00% POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
Title insurance may be required at owner’s expense. This offer is good for refinance only, cash out may be available. Must be primary residence and first lien only. Maximum amount financed is 100% of the combined loan to value (CLTV), not to exceed $250,000. New York State mortgage tax is required and paid by the borrower. Geographic Areas: Only properties located in the following counties will be considered: Albany, Fulton, Montgomery, Rensselaer, Saratoga, Schenectady, Warren and Washington. 1.00% Origination Fee Applies.

Auto Loans - limited time discounted rates!

Whether you would like to refinance an existing loan, upgrade your vehicle or buy the motorcycle you have always dreamed of, we would like to help. Plus, we are offering special, discounted rates on all autos, trucks and motorcycle loans! Be sure to take advantage of the offer before it expires.

Features & Benefits

Low payment terms
Great rates for all credit scores
Up to 60 days until your first payment
Autos, trucks or motorcycles
New or pre-owned purchase

Plus
Refinance from another institution, cash out equity may be available
Skip-A-Pay Program Available

Calculator

Apply

Rates

Loan Term	Promotional Loyalty Fixed Rate APR*
Up to 24 months	~~3.50%~~ 0.99%	APPLY
25 - 36 months	~~5.00%~~ 1.49%	APPLY
37 - 48 months	~~5.50%~~ 1.69%	APPLY
49 - 60 months	~~5.75%~~ 1.89%	APPLY
61 - 72 months	~~6.25%~~ 2.99%	APPLY
73 - 84¹ months	~~6.50%~~ 3.99%	APPLY

The Application Process

1. Get started by filling out our online application or visiting one of our branches.

2. Get preapproved. We will process your application and notify you when your preapproval is completed, usually the same day.

3. Finalize the deal, send us the purchase agreement and sign the loan documents online using Docusign or stop by the branch.

4. We will cut you a check to purchase your new vehicle.

Apply

Earn Rewards!

Earn 2,500 bonus points when you book or refinance an auto loan with us.

Rewards can be redeemed for:
Cash back
Gift Cards
Travel
And More!
See the Rewards You Can Earn

Not a rewards member?
Sign up today by becoming a cardholder, or give us a call at 518.583.2323.
Open a Checking Account
Open a VISA® Platinum Credit Card

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.

*Annual Percentage Rate
Rates apply to all vehicle loan options and include new or used. Discount applies to fixed rate loans only. Sample payment based on a 24 month Auto Loan at 0.99% APR* is $42.10 per $1,000. Limited time promotion, expires 12/31/2021. 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.

Vehicles and Boats for Sale

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