Auto, Truck & Motorcycle - limited time GRAND OPENING special
Loan Term In Months |
Grand Opening 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% 1.99% |
37 – 48 |
5.50% 1.99% |
49 – 60 |
5.75% 1.99% |
61 – 72 |
6.25% 1.99% |
73 – 841 |
6.50% 2.99% |
Sample payment per $1,000, based on a 60 month Auto Loan at 1.99% is $17.53 per $1,000. Limited time promotion, expires 6/30/2021. 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.
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Boat and RV - LIMITED TIME GRAND OPENING SPECIAL
Loan Term In Months |
Grand Opening Promotional Fixed Rate APR* |
Variable Rate Fixed Payment** |
To – 24 |
6.50% 1.99% |
Introductory First 6 Months
4.50%
After Introductory Period
Prime + 3.00%
|
25 – 36 |
6.50% 3.50% |
37 – 48 |
6.50% 3.50% |
49 – 60 |
6.75% 4.50% |
61 – 72 |
7.00% 4.50% |
73 – 841 |
8.00% 5.50% |
85 – 120 |
8.50% 5.50% |
Sample payment per $1,000, based on a 120 month Boat/RV Loan at 4.5% is $10.37 per $1,000. Limited time promotion, expires 6/30/2021. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Offer is not valid to refinance existing Saratoga’s Credit Union fixed rate loans.
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Outdoor Activity
Loan Term In Months |
Fixed Rate APR* |
Variable Rate Fixed Payment** |
To – 24 |
7.25% |
Introductory First 6 Months
4.50%
After Introductory Period
Prime + 4.00%
|
25 – 36 |
7.25% |
37 – 48 |
7.50% |
49 – 60 |
7.75% |
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Personal Unsecured
Loan Term In Months |
Fixed Rate APR* |
Variable Rate Fixed Payment** |
To – 24 |
8.25% |
Introductory First 6 Months
4.50%
After Introductory Period
Prime + 6.00%
|
25 – 36 |
12.25% |
37 – 48 |
13.25%
|
49 – 60 |
13.25% |
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STUDENT & EDUCATIONAL LoanS
|
Index/Margin*** |
APR* |
Undergraduate Student Loan Programs |
Click for Details |
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Student Loan Refinance Program
Consolidate Existing Student Loans |
Click for Details |
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CU Educational Loan
Daycare, Private Schools, Trade Schools, 2 or 4 Year College/University
|
Prime + 2.00% |
5.25% |
CA$HFlow Credit (Overdraft Protection)
|
Index/Margin*** |
APR* |
Revolving |
Prime + 6.00% |
9.25% |
|
Savings Secured Loan
|
Annual Percentage Rate |
Up to 60 Months |
4.25% |
|
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 |
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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 6 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 Annual Percentage Rate |
Up to 15 years |
80% Loan to Value (CLTV) |
3.99% |
Up to 20 years |
100% Loan to Value (CLTV) |
5.75%
|
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Home Improvement - Limited time grand opening 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% |
Up to 20 Years |
133% Loan to Value (CLTV) |
10.00% |
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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 |
Mortgage Programs |
Check Rates
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SCHOOL SUPPLY ASSISTANCE LOAN
Loan Term In Months |
Fixed Rate APR* |
9 Months |
0.00% |
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Boats & Recreational Vehicles
Whether you’re looking for fun in the sun on a new boat or enjoying the colder weather on a snowmobile, your credit union can help you finance it! Saratoga’s Credit Union offers financing on new or used boats, recreational vehicles and a variety of outdoor activity vehicles with fixed and variable rate options. We make the buying experience easier with online dealer inventory searches, payment calculators and an easy mobile friendly loan application. Start your search today!
Boat and RV - LIMITED TIME GRAND OPENING SPECIAL
Loan Term In Months |
Grand Opening Promotional Fixed Rate APR* |
Variable Rate Fixed Payment** |
To – 24 |
6.50% 1.99% |
Introductory First 6 Months
4.50%
After Introductory Period
Prime + 3.00%
|
25 – 36 |
6.50% 3.50% |
37 – 48 |
6.50% 3.50% |
49 – 60 |
6.75% 4.50% |
61 – 72 |
7.00% 4.50% |
73 – 841 |
8.00% 5.50% |
85 – 120 |
8.50% 5.50% |
Sample payment per $1,000, based on a 120 month Boat/RV Loan at 4.5% is $10.37 per $1,000. Limited time promotion, expires 6/30/2021. 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.
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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.
Resources
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We all know that our credit history will affect whether or not we get the loan we need to buy a house (or car, boat, etc.) or refinance an existing loan, but what most people don't realize is that credit history can also affect how much we pay for auto insurance.
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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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