Auto, Truck & Motorcycle - limited time special
Loan Term In Months	Promotional Loyalty Fixed Rate APR*	Variable Rate Fixed Payment**
To – 24	~~3.50%~~ 0.75%	Introductory First 6 Months 0.99% After Introductory Period Prime + 1.00%
25 – 36	~~5.00%~~ 2.25%
37 – 48	~~5.50%~~ 2.75%
49 – 60	~~5.75%~~ 3.00%
61 – 72	~~6.25%~~ 3.50%
73 – 84¹	~~6.50%~~ 3.75%
Promotional 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%), Vantage Credit Score 680+ (2.00%). Discount applies to fixed rate loans only. Limited time promotion, expires December 31, 2020. 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	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%
61 – 72	7.00%
73 – 84	8.00%
85 – 120	8.50%
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.

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%
Rates Reflect 0.75% Member Loyalty Discount Rates include discounts for Automatic Payment Transfer (0.25%), 5+ Years of Membership (0.25%) and incite Rewards Redemption (0.25%). Minimum Loan $500 \| Maximum Loan $15,000.00

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 $5,000 per school year, $15,000 maximum aggregate, 120 month term, 1% Origination Fee.	Prime + 2.00%	5.25%

CA$HFlow Credit (Overdraft Protection)
	Index/Margin***	APR*
Revolving	Prime + 6.00%	9.25%
Monthly payment is 2.00% of total outstanding balance or $25.00, whichever is greater. Overdraft is protection for your Checking Account. Limits of $250 to $15,000 Available

Savings Secured Loan
	Annual Percentage Rate
Up to 60 Months	4.25%
Minimum monthly payment $35.00

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
Minimum Limit - $500 \| Maximum Limit - $25,000.00

Certificate of Deposit Secured Loan
Term	Annual Percentage Rate
Up to 36 Months	Certificate Rate + 3.00%
Limits available from $500 up to certificate balance.

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%
Not to exceed $250,000.00 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	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% Prime Rate + 2.50%
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
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%
Minimum Loan $1,000.00 Sample payment per $1,000, based on a 20 year Home Improvement Loan at 133% Loan to Value (CLTV) is $9.66 per $1,000.

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

SCHOOL SUPPLY ASSISTANCE LOAN
Loan Term In Months	Fixed Rate APR*
9 Months	0.00%
Qualifications Available to all New York State Certified Teachers who are currently employed as an educator in New York State. Proof of employment required. Through this program members will have a 9 month term to repay the loan with 0.00% Annual Percentage Rate (APR).

MOrtgages

SPECIAL LOW DOWN PAYMENT PROGRAMS AVAILABLE

Thank you for considering the credit union for your mortgage and home loan needs. Limited time special, we are offering a special promotion with a value up to $400 to refund the appraisal fee at closing for your home loan. Whether you are looking to refinance an existing loan, upgrade or buy your first home we have all the loan programs available to help. Please refer to coupon for details and exclusions.

You find your home and we’ll take care of the mortgage. With flexible options and competitive rates, we have a mortgage for everyone. And the best part is, you get the best in mortgage servicing and processing from friendly, local professionals. Buying a home is an exciting process. We want to be a part of that process and have a mortgage that fits your needs.

Coupon Mortgage Calculator Mortgage Web Center

Mortgage Options	Benefits	Details
Low Down Payment Program 80/20 Mortgage & Home Equity Apply	If you have dreamed of owning your own home now is the time. Offering a special low down payment option and Private Mortgage Insurance (PMI) expense may be waived. This saves borrowers from additional monthly expenses that are standard with low down payment programs. Program available for First Time Buyers as well as current homeowners. Refinances also welcome. Available to credit qualified borrowers.	Term: Up to 30 Years Down Payment: As Low as 0% Down Details: PMI Waived for Qualifying Borrowers 80/20: Loan will be financed with 80% of the LTV financed into a first mortgage with the remainder financed as a home equity. This is commonly referred to as an 80/20 split. Apply to Get Started or Call 518.583.2323 x 778 Mortgage Rates Home Equity Rates
Conventional Fixed Rate Apply	Fixed rate loan available for new purchase or refinancing. No PMI and cash out options are available for 1 to 4 family units.	Term: Up to 30 Years Down Payment: 20% More Details: PMI may be required for Loan to Value (LTV) greater than 80%. Rates
Adjustable Rate Mortgage (ARM) Apply	Loans begin with a fixed rate for the initial term and then adjust according to a defined index.	Term: Up to 30 Years Down Payment: 20% More Details: PMI may be required for Loan to Value (LTV) greater than 80%. Rates
Federal Housing Administration (FHA) Apply	Flexible credit requirements and low down payment requirements can help first time buyers purchase their first home.	Term: Up to 30 Years Down Payment: 3.50% More Details: Lower maximum loan amounts. Upfront and monthly mortgage insurance premium required. Rates
Home Possible Apply	Low down payment requirements and reduced mortgage insurance coverage levels can make this option a preferred choice among first time home buyers. Financing for a variety of home options including 1 to 4 unit primary residence, condos, PUD and manufactured homes (with restrictions).	Term: Up to 30 Years Down Payment: 5.00% More Details: Eligibility requirement based on income. Rates
Home Possible Advantage Apply	First time home buyers prefer the low down payment option and find financing for a variety of home options including 1 to 4 unit primary residence, condos and PUD.	Term: Up to 30 Years Down Payment: 3.00% More Details: Eligibility requirement based on income. Rates
Purchase Money Second Mortgage Apply	This program allows you to obtain the money you need to purchase a new home without having to deplete your savings.	Term: Up to 30 Years Down Payment: 0.00% More Details: Loan limit up to $250,000 Rates
Veteran Affairs (VA) Apply	A Federal VA mortgage allows qualified veterans to purchase a new home with no down payment. A fixed rate provides the security of a monthly payment that will not change.	Term: Up to 30 Years Down Payment: 0.00% More Details: VA funding fee required. Rates
United States Department of Agriculture (USDA) Apply	USDA loans allow for 100% financing of the property’s value with no down payment. Loans are insured by the USDA. Flexible credit requirements.	Term: 30 Years Down Payment: 0.00% More Details: Eligibility requirement based on income and property location. Upfront Guarantee Fee required. Rates
Vacation Home Apply	If you have dreamed of owning a second home or vacation home, now is the time. Financing is available to help you purchase, refinance, or construct a single family second home / vacation home.	Term: Up to 20 Years Down Payment: 20.00% More Details: Property must be suitable for year-round occupancy Property must be available for the borrower's exclusive use Property cannot be subject to rental agreements Rates
Investment Property Owner Occupied Apply	Good option for individuals who are looking to rent out a portion of their home to tenants. Available for 1-4 family, must be owner occupied residence.	Term: Up to 30 Years Down Payment: 20.00% More Details: Property must be owner occupied. Rates
Investment Property Non-Owner Occupied Apply	Option for buyers who intend to use the home for investment purposes and will not live in the home. Available for 1-4 family units.	Term: Up to 15 Years Down Payment: 20.00% More Details: Property may be non-owner occupied. Rates

Find a Housing Counselor

Housing counselors throughout the country can provide advice on buying a home, renting, defaults, foreclosures, and credit issues. Using this link below, you can find one near you. The counseling agencies on this list are approved by the U.S. Department of Housing and Urban Development (HUD) and they can offer independent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives and circumstances, often at little or no cost to you. This list will show you several approved agencies in your area.

Find a Housing Counselor

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SPECIAL LOW DOWN PAYMENT PROGRAMS AVAILABLE

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