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%	6.75%

CA$HFlow Credit (Overdraft Protection)
	Index/Margin***	APR*
Revolving	Prime + 10.00%	14.75%
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 APR*
Up to 15 years	80% Loan to Value (CLTV)	3.99%
Up to 20 years	100% Loan to Value (CLTV)	7.25% Prime Rate + 2.50%
Not to exceed $250,000.00

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

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).

Skip-a-Pay application

Skip-a-Pay allows members to defer up to two (2) loan payments a year for only $35/skip. 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.

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. 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 $35/loan 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 $35/loan processing fee. 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