Auto, Truck & Motorcycle
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.

Loan Term In Months

Annual Percentage Rate

Thanku Discounts

To – 24

5.50%

Promotional Discounts Available!

Discounts can be used individually or combined together for up to 3.00% off published rates.

Automatic Payment Transfer	-0.25%
5+ Years of Membership	-0.25%
Currently employed in any of the following professions or industries: Convenience & Grocery Store Educational Employee Healthcare Industry Medical Professionals Real Estate Professionals	-0.25%
Active College or Trade School Student	-0.50%
Active Checking Account	-0.50%
Active Real Estate Loan	-1.00%
680+ Credit Score	-1.00%

Payment Calculator

25 – 36

6.00%

37 – 48

6.50%

49 – 60

6.75%

61 – 72

7.25%

73 – 84¹

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 highest possible rate. Member Loyalty Discounts may be used individually or combined to discount rates up to 3.00% off the published rates. Active Educational Employee is defined as anyone currently employed by a school district regardless of position or title. Active College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of the term of the enrollment. Sample payment based on a 24 month Auto Loan at 2.50% APR* is $42.77 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.

¹84 month term applies to new autos only.

Boat and RV
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.

Loan Term In Months

Annual Percentage Rate

Thanku Discounts

To – 24

7.50%

Promotional Discounts Available!
Discounts can be used individually or combined together for up to 3.00% off published rates.

Automatic Payment Transfer	-0.25%
5+ Years of Membership	-0.25%
Currently employed in any of the following industries: Convenience & Grocery Store Educational Employee Healthcare Industry Medical Professionals Real Estate Professionals	-0.25%
Active College or Trade School Student	-0.50%
Active Checking Account	-0.50%
Active Real Estate Loan	-1.00%
680+ Credit Score	-1.00%

25 – 36

7.50%

37 – 48

7.50%

49 – 60

7.75%

61 – 72

8.00%

73 – 84

9.00%

85 – 120

9.50%

POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.

Rates apply to new or used fixed rate loans and are published with the highest possible rate. Thanku Discounts may be used individually or combined to discount rates up to 3.00% off the published rates. Active Educational Employee is defined as anyone currently employed by a school district regardless of position or title. Active College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of the term of the enrollment. Sample payment based on a 24 month Boat/RV Loan at 4.50% is $43.65 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.

Outdoor Activity
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

Annual Percentage Rate

Thanku Discounts

To – 24

9.00%

Promotional Discounts Available!
Discounts can be used individually or combined together for up to 3.00% off published rates.

Automatic Payment Transfer	-0.25%
5+ Years of Membership	-0.25%
Currently employed in any of the following industries: Convenience & Grocery Store Educational Employee Healthcare Industry Medical Professionals Real Estate Professionals	-0.25%
Active College or Trade School Student	-0.50%
Active Checking Account	-0.50%
Active Real Estate Loan	-1.00%
680+ Credit Score	-1.00%

25 – 36

9.00%

37 – 48

9.25%

49 – 60

9.50%

Rates apply to new or used fixed rate loans and are published with the highest possible rate. Thanku Discounts may be used individually or combined to discount rates up to 3.00% off the published rates. Active Educational Employee is defined as anyone currently employed by a school district regardless of position or title. Active College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of term of the enrollment. Sample payment based on a 24 month Outdoor Activity Vehicle Loan at 6.00% APR* is $44.32 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.

Personal Unsecured
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.

Loan Term In Months

Fixed Rate APR*

Thanku Discounts

To – 24

10.00%

Promotional Discounts Available!
Discounts can be used individually or combined together for up to 3.00% off published rates.

Automatic Payment Transfer	-0.25%
5+ Years of Membership	-0.25%
Currently employed in any of the following industries: Convenience & Grocery Store Educational Employee Healthcare Industry Medical Professionals Real Estate Professionals	-0.25%
Active College or Trade School Student	-0.50%
Active Checking Account	-0.50%
Active Real Estate Loan	-1.00%
680+ Credit Score	-1.00%

25 – 36

13.00%

37 – 48

14.00%

49 – 60

14.00%

POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.

Rates are published with the highest possible rate. Thanku Discounts may be used individually or combined to discount rates up to 3.00% off the published rates. Active Educational Employee is defined as anyone currently employed by a school district regardless of position or title. Active College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of the term of the enrollment. 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

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%	9.50%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.

ECASH (Overdraft Protection)
	Index/Margin***	Variable APR*
Revolving	Prime + 6.00%	13.50%
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	1.55% Share Rate + 1.50%
NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT. Minimum monthly payment $35.00

Savings Secured Line of Credit
	Index/Margin	Variable APR*
Revolving	Share + 1.50%	1.55%
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)	90% Loan to Value (CLTV)	Introductory Period First 12 Months 2.99% 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)	3.00%	90% Loan to Value (CLTV) POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 600.
5 to 10 Years (61 to 120 Months)	3.50%
10 to 15 Years (121 to 180 Months)	3.75%
15 to 20 Years (181 to 240 Months)	4.25%
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 20 year Home Equity Loan at 4.25% APR* and 90% Loan to Value (CLTV) is $6.20. 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

Thanku Discounts

To - 36

8.25%

Promotional Discounts Available!
Discounts can be used individually or combined together for up to 3.00% off published rates.

Automatic Payment Transfer	-0.25%
5+ Years of Membership	-0.25%
Currently employed in any of the following industries: Convenience & Grocery Store Educational Employee Healthcare Industry Medical Professionals Real Estate Professionals	-0.25%
Active College or Trade School Student	-0.50%
Active Checking Account	-0.50%
Active Real Estate Loan	-1.00%
680+ Credit Score	-1.00%

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. Thanku Discounts may be used individually or combined to discount rates up to 3.00% off the published rates. Active Educational Employee is defined as anyone currently employed by a school district regardless of position or title. Active College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of term of the enrollment. 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.

Purchase Money Second Mortgage loan
Term	Maximum Amount	Fixed APR*
Up to 30 years	100% Loan to Value (CLTV)	Mortgage Rate + 2.00%
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.

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%
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.

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%

POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.

Mortgage
	Annual Percentage Rate
Mortgage Programs	Check Rates

SCHOOL SUPPLY 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).

MORTGAGE REFINANCE line of credit
Terms	Details	Annual Percentage Rate
Term: Up to 25 Years Draw Period: 10 Years (included in repayment term) Maximum Amount: 100% Loan to Value (CLTV) Maximum $250,000	No PMI Required No Appraisal Fee No Title Search Fee No Application Fee No Attorney Fee No Recording Fee No Pre Payment Penalty No Tax Escrow Required Cash Out Available	8.50% Prime + 1.00% POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
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. Title insurance may be required at owner’s expense. This offer is good for refinance only, cash out may be available. Must be primary residence and first lien only. Maximum amount financed is 100% of the combined loan to value (CLTV), not to exceed $250,000. New York State mortgage tax is required and paid by the borrower. Geographic Areas: Only properties located in the following counties will be considered: Albany, Essex, Fulton, Hamilton, Montgomery, Rensselaer, Saratoga, Schenectady, Warren and Washington. 1.00% Origination Fee Applies.

mortgage refINANCE LOAN
Terms	Maximum Amount	Fixed Annual Percentage Rate
Term: Up to 20 years Maximum Amount: 100% Loan to Value (CLTV) Maximum $250,000	No PMI Required No Appraisal Fee No Title Search Fee No Application Fee No Attorney Fee No Recording Fee No Pre Payment Penalty No Tax Escrow Required Cash Out Available.	9.50% Prime Rate + 2.00% POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
Term: Up to 30 years Maximum Amount: 100% Loan to Value (CLTV) Maximum $250,000	100% Loan to Value (CLTV) Maximum $250,000 Cash Out Not Available.	9.50% Prime Rate + 2.00% POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
Title insurance may be required at owner’s expense. This offer is good for refinance only, cash out may be available. Must be primary residence and first lien only. Maximum amount financed is 100% of the combined loan to value (CLTV), not to exceed $250,000. New York State mortgage tax is required and paid by the borrower. Geographic Areas: Only properties located in the following counties will be considered: Albany, Essex, Fulton, Hamilton, Montgomery, Rensselaer, Saratoga, Schenectady, Warren and Washington. 1.00% Origination Fee Applies.

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 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. 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 $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