Auto, Truck & Motorcycle

Loan Term In Months	Vehicle Refinance Promotional Annual Percentage Rate	Vehicle Purchase Promotional Annual Percentage Rate
To – 24	~~6.50%~~ 3.50%	~~6.50%~~ 4.50%	Get Started Payment Calculator
25 – 36	~~7.00%~~ 4.00%	~~7.00%~~ 5.00%
37 – 48	~~7.50%~~ 4.50%	~~7.50%~~ 5.50%
49 – 60	~~7.75%~~ 4.75%	~~7.75%~~ 5.75%
61 – 72	~~8.25%~~ 5.25%	~~8.25%~~ 6.25%
73 – 84¹		~~8.50%~~ 6.50%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. Rates apply to new or used fixed rate loans and are published with the grand opening discounts that are currently available. Refinance discount only applies when refinancing a vehicle from another financial institution. Sample payment based on a 24 month Auto Loan at 3.50% APR* is $43.20 per $1,000 and includes the promotional discount for refinanced vehicles. The credit union reserves the right to discontinue promotion at any time. Must be credit qualified. Minimum credit score of 600. ¹84 month term applies to new autos only.


Loan Term In Months	Paylock Loan Variable Rate/Fixed Payment**
To – 24	*Introductory APR First 6 Months 0.99% After Introductory Period** Prime + 1.00%
25 – 36
37 – 48
49 – 60
61 – 72
73 – 84¹
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. *Annual Percentage Rate 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. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600. Credit union may discontinue promotion at any time. ¹84 month term applies to new autos only.

Boat and RV

Loan Term In Months	Promotional Fixed Annual Percentage Rate
To – 24	~~7.50%~~ 5.50%	Get Started Payment Calculator
25 – 36	~~7.50%~~ 5.50%
37 – 48	~~7.50%~~ 5.50%
49 – 60	~~7.75%~~ 5.75%
61 – 72	~~8.00%~~ 6.00%
73 – 84	~~9.00%~~ 7.00%
85 – 120⁺	~~9.50%~~ 7.50%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. Rates apply to new or used fixed rate loans and are published with the grand opening discounts that are currently available. Sample payment based on a 24 month Boat/RV Loan at 5.50% is $44.10 per $1,000 and includes the promotional rate discount. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600. ⁺120 month term applies to new boats/RVs only.

Loan Term In Months	Variable Rate Fixed Payment**
To – 24	*Introductory APR First 6 Months 4.50% After Introductory Period** Prime + 3.00%
25 – 36
37 – 48
49 – 60
61 – 72
73 – 84
85 – 120
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. *Annual Percentage Rate 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. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.

Outdoor Activity

Loan Term In Months	Annual Percentage Rate
To – 24	~~9.00%~~ 7.00%	Get Started Payment Calculator
25 – 36	~~9.00%~~ 7.00%
37 – 48	~~9.25%~~ 7.25%
49 – 60	~~9.50%~~ 7.50%
Rates apply to new or used fixed rate loans and are published with the grand opening discounts that are currently available. Sample payment based on a 24 month Outdoor Activity Vehicle Loan at 7.00% APR* is $44.78 per $1,000 and includes the promotional rate discount. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.

Loan Term In Months	Variable Rate Fixed Payment**
To – 24	*Introductory APR First 6 Months 4.50% After Introductory Period** Prime + 4.00%
25 – 36
37 – 48
49 – 60
*Annual Percentage Rate 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. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.

Loan Term In Months	Promotional Fixed Rate APR*
To – 24	~~10.00%~~ 8.00%	Get Started Payment Calculator
25 – 36	~~13.00%~~ 11.00%
37 – 48	~~14.00%~~ 12.00%
49 – 60	~~14.00%~~ 12.00%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. Rates are published with the grand opening discounts that are currently available. Sample payment based on a 24 month term at 8.00% APR* is $45.24 per $1,000 and includes all discounts available. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600. Minimum Loan $500 \| Maximum Loan $20,000

Loan Term In Months	Variable Rate Fixed Payment**
To – 24	Introductory First 6 Months 4.50% After Introductory Period Prime + 6.00%
25 – 36
37 – 48
49 – 60
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. Minimum Loan $500 \| Maximum Loan $20,000.00 The credit union reserves the right to discontinue promotion at anytime.

STUDENT & EDUCATIONAL LoanS
	Annual Percentage Rate***
Undergraduate Student Loan Programs	Click for Details
Student Loan Refinance Program Consolidate Existing Student Loans	Click for Details
Tuition Loan Daycare, Private Schools, Trade Schools, 2 or 4 Year College/University $5,000 per school year, $15,000 maximum aggregate, 120 month term	Prime + 2.00%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.

ECASH (Overdraft Protection)
	Annual Percentage Rate***
Revolving	Prime + 6.00%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. 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 $20,000 Available

Savings Secured Loan
	Annual Percentage Rate
Up to 60 Months	Share Rate + 1.50%
NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT. Minimum monthly payment $35.00 Sample payment based on a 60 month term at 1.55% APR* is $17.34 per $1,000.

Savings Secured Line of Credit
	Annual Percentage Rate
Revolving	Share Rate + 1.50%
NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT. Minimum Limit $500 \| Maximum Limit $75,000.00 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. As of 12/31/2022 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. 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 Period First 12 Months 5.50% 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 (Up to 60 Months)	6.99%	80% Loan to Value (CLTV) POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 600.
5 to 10 Years (61 to 120 Months)	6.99%
10 to 15 Years (121 to 180 Months)	6.99%
15 to 20 Years (181 to 240 Months)	6.99%
Up to 20 years (Up to 240 Months)	9.75%	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 5 year Home Equity Loan at 6.99% APR* and 80% Loan to Value (CLTV) is $19.80. Sample payment per $1,000, based on a 20 year Home Equity Loan at 9.75% APR* and 100% Loan to Value (CLTV) is $9.49.

Home Improvement
Loan Term in Months	Annual Percentage Rate
To - 36	8.25%
37 - 48	8.50%
49 - 60	8.75%
61 - 72	9.00%
73 - 84	10.25%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. Rates are published with the highest possible rate. Sample payment based on a 36 month Home Improvement Loan at 5.25% Annual Percentage Rate is $30.09 per $1,000 and includes all discounts available. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600. Minimum Loan $1,000.00 Maximum Loan $15,000

Loan Term in Months	Maximum Amount	Annual Percentage Rate
Up to 20 Years	133% Loan to Value (CLTV)	11.00%
RATE APPLIES TO ALL CREDIT SCORES ABOVE 660. Sample payment per $1,000, based on a 20 year Home Improvement Loan at 11.00% APR* and 133% Loan to Value (CLTV) is $10.33 per $1,000. Must be credit qualified.

Loan Term in Months

Maximum Amount

Annual Percentage Rate

Up to 20 Years

133% Loan to Value (CLTV)

11.00%

RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.

Sample payment per $1,000, based on a 20 year Home Improvement Loan at 11.00% APR* and 133% Loan to Value (CLTV) is $10.33 per $1,000. Must be credit qualified.

Mortgage
	Annual Percentage Rate
Mortgage Programs Conventional Mortgages Adjustable Rate Mortgages (ARM) Federal Housing Administration (FHA) Veteran Affairs (VA) United States Department of Agriculture (USDA)	Rates Calculator Receive a Personalized Quote Today!

Teacher ASSISTANCE LOAN
Loan Term In Months	Fixed Rate APR*
9 Months	0.00%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. 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). Sample payment based on a 9 month term at 0.00% APR* is $55.56 per $500.

Skip-a-Pay application

It's okay to skip your loan payments with Skip-a-Pay!

Skip-a-Pay allows members to defer up to two (2) loan payments a year. Choose to skip consecutive or varying months. Simply fill out the form below indicating which loan you would like to skip your monthly loan payment for and we will take care of the rest. To qualify, loans must be paid up to date and cannot be delinquent.

Effective September 1, 2025, the Skip-A-Pay fee will increase from $35 to $40. Any requests received on or after 9/1/25 will be subject to the new $40 fee.

Skip-a-Pay may be available on the following programs:
Auto | Boat/RV | Credit Cards | Home Equity Lines of Credit | Personal Loans

Note: Fees will be collected at time of request.

^*Please note some loan programs are not eligible for skip-a-pay including first mortgages, CU Student Choice Student Loans, closed-end home equity programs are excluded. Skip-a-pay is not available in the first 12 months of the loan. Member must be in good standing and not delinquent to qualify. Two (2) skips per loan per year is calculated over a rolling 12 month period. Member is responsible for stopping any automatic payments or payments scheduled through another financial institution. Receipt of this form does not guarantee eligibility.

Personal Information
Account Number	First Name	Last Name

Email

Address	Address Line 2

City	State	Zip Code

Please apply Skip a Pay Option to (at least one is required):
Loan:	Payment Amount:	Select Month to Skip Payment:
Loan 1	Loan 1 Amount	Select Month to Skip Payment
Loan 2	Loan 2 Amount	Select Month to Skip Payment
Loan 3	Loan 3 Amount	Select Month to Skip Payment
Loan 4	Loan 4 Amount	Select Month to Skip Payment
Loan 5	Loan 5 Amount	Select Month to Skip Payment

Processing Fee: Select option below for the processing fee

Savings Account: Deduct from my Saratoga's Community Federal Credit Union savings account

Checking Account: Deduct from my Saratoga's Community Federal Credit Union checking account

Electronic Signature (type full name)
Applicant's Name*	Joint Applicant's Signature

Acknowledgement for Skipping a Payment

By electronically signing and submitting, you authorize Saratoga’s Community Federal Credit Union to extend your final loan payment by one month and process the payment by one month and process the fee(s). Interest will continue to accumulate on your loan during the month you skip your payment. All loan payments must be paid to date and not delinquent to qualify. A maximum of two skipped payments per loan are permitted in a 12-month period. Please complete this form 30 days in advance of the requested loan due date.

Please type the code you see in the security image before submitting.

Skip-a-Pay application

Email Signup