Auto, Truck & Motorcycle - limited time GRAND OPENING special
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Loan Term In Months |
Grand Opening Promotional Fixed Rate APR* |
Variable Rate Fixed Payment** |
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To – 24 |
3.50% 0.99% |
Introductory First 6 Months
0.99%
After Introductory Period
Prime + 1.00%
|
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25 – 36 |
5.00% 1.99% |
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37 – 48 |
5.50% 1.99% |
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49 – 60 |
5.75% 1.99% |
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61 – 72 |
6.25% 1.99% |
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73 – 841 |
6.50% 2.99% |
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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
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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% |
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73 – 84 |
8.00% 5.50% |
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85 – 120 |
8.50% 5.50% |
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Sample payment per $1,000, based on a 120 month Boat/RV Loan at 4.5% is $10.37 per $1,000. Limited time promotion, expires 6/30/2021. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Offer is not valid to refinance existing Saratoga’s Credit Union fixed rate loans.
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Outdoor Activity
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Loan Term In Months |
Fixed Rate APR* |
Variable Rate Fixed Payment** |
|
To – 24 |
7.25% |
Introductory First 6 Months
4.50%
After Introductory Period
Prime + 4.00%
|
|
25 – 36 |
7.25% |
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37 – 48 |
7.50% |
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49 – 60 |
7.75% |
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Personal Unsecured
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Loan Term In Months |
Fixed Rate APR* |
Variable Rate Fixed Payment** |
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To – 24 |
8.25% |
Introductory First 6 Months
4.50%
After Introductory Period
Prime + 6.00%
|
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25 – 36 |
12.25% |
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37 – 48 |
13.25%
|
|
49 – 60 |
13.25% |
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STUDENT & EDUCATIONAL LoanS
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|
Index/Margin*** |
APR* |
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Undergraduate Student Loan Programs |
Click for Details |
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Student Loan Refinance Program
Consolidate Existing Student Loans |
Click for Details |
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CU Educational Loan
Daycare, Private Schools, Trade Schools, 2 or 4 Year College/University
|
Prime + 2.00% |
5.25% |
CA$HFlow Credit (Overdraft Protection)
|
|
Index/Margin*** |
APR* |
|
Revolving |
Prime + 6.00% |
9.25% |
|
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Savings Secured Loan
|
|
Annual Percentage Rate |
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Up to 60 Months |
4.25% |
|
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Savings Secured Line of Credit
|
|
APR* |
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Revolving |
9.90% |
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Monthly Payment are calculated by costs per $100 of amount financed: |
|
$0.01 - $4000.00 |
$3.50 |
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$4000.01 - $6000.00 |
$3.00 |
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$6000.01 - $8000.00 |
$2.50 |
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$8000.01 and over |
$2.40 |
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Certificate of Deposit Secured Loan
|
Term |
Annual Percentage Rate |
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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
3.25%
After Introductory Period
Prime + 1.00%
|
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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% |
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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% |
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Up to 20 Years |
133% Loan to Value (CLTV) |
10.00% |
|
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Purchase Money Second Mortgage loan
|
Term |
Maximum Amount |
Fixed APR* |
|
Up to 30 years |
100% Loan to Value (CLTV) |
Mortgage Rate + 2.00% |
|
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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% |
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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Home Loans
Life is full of everyday moments, enriched with moments of a lifetime.
You need support for both.
With our Home Equity Loan and Line of Credit programs we can help you consolidate your debt, renovate your home, pay for college tuition and more. Our promise is to do it quickly and provide you with as much as you need. Tapping into all the equity of your home is now possible with Saratoga’s Credit Union.
Limited Time Promotion - NO CLOSING COSTS*
*Closing costs not including the New York State Mortgage Tax will be paid by Saratoga’s Credit Union on behalf of the borrower on Home Equity Loans and Lines of Credit. Credit qualified borrowers. Credit union may discontinue this promotion at any time.
Promotion expires 12/31/2021.
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Loan Options |
Benefits |
Details |
|
Home Improvement
Apply
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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:
Limited Time Promotion
Closing costs not including the New York State Mortgage Tax will be paid by Saratoga’s Credit Union on behalf of the borrower.
|
Interest Rate:
Fixed
Term:
Unsecured: Up to 10 Years
Secured: Up to 20 Years
Loan Limit Amount:
Up to $250,000
Maximum Loan to Value (CLTV):
133%
Rates
|
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Home Equity Loan
Apply
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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:
Limited Time Promotion
Closing costs not including the New York State Mortgage Tax will be paid by Saratoga’s Credit Union on behalf of the 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:
Limited Time Promotion
Closing costs not including the New York State Mortgage Tax will be paid by Saratoga’s Credit Union on behalf of the 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
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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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