Auto, Truck & Motorcycle - limited time GRAND OPENING special
Loan Term In Months |
Grand Opening Promotional Fixed Rate APR* |
Variable Rate Fixed Payment** |
To – 24 |
3.50% 0.99% |
Introductory First 6 Months
0.99%
After Introductory Period
Prime + 1.00%
|
25 – 36 |
5.00% 1.99% |
37 – 48 |
5.50% 1.99% |
49 – 60 |
5.75% 1.99% |
61 – 72 |
6.25% 1.99% |
73 – 841 |
6.50% 2.99% |
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.
|
Boat and RV - LIMITED TIME GRAND OPENING SPECIAL
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% |
73 – 841 |
8.00% 5.50% |
85 – 120 |
8.50% 5.50% |
Sample payment per $1,000, based on a 120 month Boat/RV Loan at 4.5% is $10.37 per $1,000. Limited time promotion, expires 6/30/2021. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Offer is not valid to refinance existing Saratoga’s Credit Union fixed rate loans.
|
Outdoor Activity
Loan Term In Months |
Fixed Rate APR* |
Variable Rate Fixed Payment** |
To – 24 |
7.25% |
Introductory First 6 Months
4.50%
After Introductory Period
Prime + 4.00%
|
25 – 36 |
7.25% |
37 – 48 |
7.50% |
49 – 60 |
7.75% |
|
Personal Unsecured
Loan Term In Months |
Fixed Rate APR* |
Variable Rate Fixed Payment** |
To – 24 |
8.25% |
Introductory First 6 Months
4.50%
After Introductory Period
Prime + 6.00%
|
25 – 36 |
12.25% |
37 – 48 |
13.25%
|
49 – 60 |
13.25% |
|
STUDENT & EDUCATIONAL LoanS
|
Index/Margin*** |
APR* |
Undergraduate Student Loan Programs |
Click for Details |
|
Student Loan Refinance Program
Consolidate Existing Student Loans |
Click for Details |
|
CU Educational Loan
Daycare, Private Schools, Trade Schools, 2 or 4 Year College/University
|
Prime + 2.00% |
5.25% |
CA$HFlow Credit (Overdraft Protection)
|
Index/Margin*** |
APR* |
Revolving |
Prime + 6.00% |
9.25% |
|
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% |
|
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 6 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 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%
|
|
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% |
Up to 20 Years |
133% Loan to Value (CLTV) |
10.00% |
|
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% |
|
Skip-a-Pay application
Spread holiday cheer and skip your December and January loan payments!
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.
Member is responsible for stopping any automatic payments or payments scheduled through another financial institution. Receipt of this form does not guarantee eligibility.