thanku loyalty discounts
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Annual Percentage Rate (Fixed) |
Thanku Loyalty Discounts2 |
Auto, Truck, Motorcycle1
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24 months
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6.500%
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25-36 months
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7.000%
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37-48 months
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7.500%
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49-60 months
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7.750%
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61-72 months
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8.250%
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73-84 months
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8.500%
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Promotional Discount Available!
Discounts can be used individually or combined together for up to 2.00% off published rates.
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680+ Credit Score |
-1.00% |
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Refinance from Another Lender |
-1.00% |
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Active Home Equity |
-1.00% |
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College or Trade School Student |
-0.50% |
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Active Checking or Money Market |
-0.50% |
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New Member Discount |
-0.50% |
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10+ Years of Membership |
-0.50% |
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5+ Years of Membership |
-0.25% |
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Automatic Payment Transfer |
-0.25% |
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Payment Protection |
-0.25% |
Get Started
Payment Calculator
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Boats & Recreational Vehicles3
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Outdoor Activity Vehicles4
ATV, UTV, Snowmobile, Personal Watercraft
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Personal Unsecured5
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Home Improvement6
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Up to 36 months |
8.25% |
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37-48 months |
8.50% |
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49-60 months |
8.75% |
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61-72 months |
9.00% |
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73-84 months |
10.25% |
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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 |
Boat, RV & Outdoor Activity Loans
Boats | Personal Watercrafts | Recreational Vehicles | Campers | Snowmobiles | ATVs | UTVs | Ask for more options!
Whether you would like to buy new, used or refinance an existing loan, we would like to help. Saratoga Federal finances boats, recreational vehicles and a variety of outdoor activity vehicles. At Saratoga Federal, everyone receives the same rate regardless of credit score so you can rest assured you are getting the best rate available. Plus, with our Thanku Loyalty Rewards we give back up to 2.00% off our published rates, see how much you can save today.
We're so much more than a great rate.
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Credit Scores of 600+ Welcome
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Same Rate for All Credit Scores
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Same Rate for New & Used Vehicles
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All Model Years
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No Payments for 60 Days
-
Skip-a-Pay when you are Short on Cash*
Already have a loan at another financial institution, no problem! Refinance today and we may be able to save on your monthly payment.
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
No payments for up to 60 days available. Interest will continue to accrue.
*Skip-a-Pay details available at www.saratogafcu.org/skip.
Resources
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With discounts for credit union members, the TruStage 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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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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Securely pay your loan using a debit card or e-check from another bank or credit union.
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