Auto, Truck & Motorcycle - limited time special
|
Loan Term In Months |
Fixed Rate APR* |
Variable Rate Fixed Payment** |
|
To – 24 |
1.75% 0.75% |
Introductory First 6 Months
0.99%
After Introductory Period
Prime + 1.00%
|
|
25 – 36 |
3.25% 2.25% |
|
37 – 48 |
3.75% 2.75% |
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49 – 60 |
4.00% 3.00% |
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61 – 72 |
4.50% 3.50% |
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73 – 841 |
4.75% 3.75% |
|
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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% |
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61 – 72 |
7.00% |
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73 – 84 |
8.00% |
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85 – 120 |
8.50% |
|
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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% |
|
|
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% |
|
|
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% |
7.25% |
CA$HFlow Credit (Overdraft Protection)
|
|
Index/Margin*** |
APR* |
|
Revolving |
Prime + 10.00% |
15.25% |
|
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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 |
|
|
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 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% |
|
|
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) |
7.75%
|
|
|
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% |
|
|
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
|
Home Loans
ACHIEVE YOUR DREAM HOME WITH OUR AMAZING RATES AND QUICK TURNAROUND
At Saratoga's Credit Union, your family is our family. Whether it's a new roof, remodeling your kitchen or financing a college education, we will be by your side throughout each step of the journey. You can use the equity in your home for just about anything. With fixed and variable rate options, no application fee and quick turnaround time - get the money you need, when you need it. Using the equity in your home has never been so easy.
Limited Time Promotion
The appraisal fee will be refunded at closing on home equity loans and lines of credit booked through December 31, 2019. This promotion may be discontinued at any time. Value of up to $150.
Home Equity Line of Credit Rate Specials
|
Loan Options |
Benefits |
Details |
|
Home Equity Loan
Apply
|
Fixed rate loan available to access the equity in your home. Rates and payments stay consistent to keep you on track.
Pre-Payment Penalty:
None
Closing Costs:
Closing costs and NYS Mortgage Tax Paid by Borrower |
Interest Rate:
Fixed
Term:
Up to 20 Years
Loan Limit Amount:
Up to $250,000
Maximum Loan to Value (CLTV):
100%
Rates
|
|
Home Equity Line of Credit
Apply
|
A line of credit gives you flexible borrowing power to use what you need when you need it. Access easily on your time through your checking account and only pay interest on the amount you use.
Advance Requirement:
No Advance Required at Closing
Pre-Payment Penalty:
None
Closing Costs:
Closing costs and NYS Mortgage Tax Paid by Borrower
|
Interest Rate:
Variable
Term:
Up to 20 Years
Draw Period:
10 Years (included in repayment term)
Loan Limit Amount:
Up to $250,000
Maximum Loan to Value (CLTV):
100%
Rates
|
|
Home Improvement
Apply
|
A home improvement loan provides fixed terms for members who want to improve or repair their home or property with limited closing costs.
Pre-Payment Penalty:
None
Closing Costs:
Closing costs paid by the borrower may be applicable.
|
Interest Rate:
Fixed
Term:
Up to 20 Years
Loan Limit Amount:
Up to $250,000
Maximum Loan to Value (CLTV):
133%
Rates
|
Resources
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Confused by the lending lingo? Not sure how borrowing against the equity in your home works? We have the answers to your questions.
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You know that you need home insurance, but how do you get the best deal? Through our relationship with Liberty Mutual Insurance, we can get you a free, no obligation quote.
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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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