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.
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
|
Loan Term In Months |
Fixed Rate APR* |
Variable Rate Fixed Payment** |
|
To – 24 |
3.75% |
Introductory First 6 Months
4.50%
After Introductory Period
Prime + 3.00%
|
|
25 – 36 |
3.75% |
|
37 – 48 |
3.75% |
|
49 – 60 |
4.00% |
|
61 – 72 |
4.25% |
|
73 – 84 |
5.25% |
|
85 – 120 |
5.75% |
|
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%) and 680+ Credit Score Discount (2.00%). 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 $1,000. Limited time promotion, expires 12/31/2021. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Offer is not valid to refinance existing Saratoga’s Credit Union fixed rate loans.
|
Outdoor Activity
|
Loan Term In Months |
Fixed Rate APR* |
Variable Rate Fixed Payment** |
|
To – 24 |
7.25% |
Introductory First 6 Months
4.50%
After Introductory Period
Prime + 4.00%
|
|
25 – 36 |
7.25% |
|
37 – 48 |
7.50% |
|
49 – 60 |
7.75% |
|
Rates Reflect 0.75% Member Loyalty Discount
Rates apply to new or used and include discounts for Automatic Payment Transfer (0.25%), 5+ Years of Membership (0.25%) and incite Rewards redemption (0.25%). Discount applies to fixed rate loans only.
|
Personal Unsecured
|
Loan Term In Months |
Fixed Rate APR* |
Variable Rate Fixed Payment** |
|
To – 24 |
8.25% |
Introductory First 6 Months
4.50%
After Introductory Period
Prime + 6.00%
|
|
25 – 36 |
12.25% |
|
37 – 48 |
13.25%
|
|
49 – 60 |
13.25% |
|
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
|
STUDENT & EDUCATIONAL LoanS
|
|
Index/Margin*** |
APR* |
|
Undergraduate Student Loan Programs |
Click for Details |
|
Student Loan Refinance Program
Consolidate Existing Student Loans |
Click for Details |
|
|
CU Educational Loan
Daycare, Private Schools, Trade Schools, 2 or 4 Year College/University
|
Prime + 2.00% |
5.25% |
|
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. |
CA$HFlow Credit (Overdraft Protection)
|
|
Index/Margin*** |
Variable APR* |
|
Revolving |
Prime + 6.00% |
9.25% |
|
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
|
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.
|
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.
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.
|
Home Equity Line of Credit
|
Term |
Maximum Amount |
Annual Percentage Rate |
|
Term: Up to 20 Years
Draw Period: 10 Years
(included in repayment term)
|
90% Loan to Value (CLTV)
|
Introductory Period
First 24 Months
1.99%
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
The credit union reserves the right to discontinue promotion at anytime.
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 |
Fixed Annual Percentage Rate |
Maximum Amount |
|
Up to 5 Years |
3.99% 1.99%
|
90% Loan to Value (CLTV)
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 600.
|
|
5 to 10 Years |
3.99% 2.50%
|
|
10 to 15 Years |
3.99% 2.75%
|
|
15 to 20 Years |
3.99% 3.25%
|
|
Up to 20 years |
5.75%
|
100% Loan to Value (CLTV)
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.
|
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. |
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.
|
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.
|
|
|
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%
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, Essex, Fulton, Hamilton, Montgomery, Rensselaer, Saratoga, Schenectady, Warren and Washington.
1.00% Origination Fee Applies.
|
Boat & RV Loans - lOYALTY DISCOUNT!
Whether you would like to refinance an existing loan, upgrade or buy new, we would like to help. Plus, we are offering special, discounted rates on boat and RV loans! Be sure to take advantage of the offer before it expires.
Features & Benefits
No Payments January and February
60 Days to Your First Payment
All Credit Scores Receive the Promotional Rate
Refinances & Purchases
New and Used Boats
All Model Years
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 boat or RV.
Apply
Resources
|
|
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.
|
|
|
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.
|
|
|
Securely pay your loan using a debit card or e-check from another bank or credit union.
|