thanku loyalty discounts

Annual Percentage Rate (Fixed)

Thanku Loyalty Discounts²

Auto, Truck, Motorcycle¹

24 months	6.500%
25-36 months	7.000%
37-48 months	7.500%
49-60 months	7.750%
61-72 months	8.250%
73-84 months	8.500%

Promotional Discount Available!
Discounts can be used individually or combined together for up to 2.00% off published rates.

680+ Credit Score	-1.00%
Refinance from Another Lender	-1.00%
Active Home Equity	-1.00%
College or Trade School Student	-0.50%
Active Checking or Money Market	-0.50%
New Member Discount	-0.50%
10+ Years of Membership	-0.50%
5+ Years of Membership	-0.25%
Automatic Payment Transfer	-0.25%
Payment Protection	-0.25%

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Boats & Recreational Vehicles³

Up to 120 months

8.000%

Outdoor Activity Vehicles⁴
ATV, UTV, Snowmobile, Personal Watercraft

Up to 60 months

9.000%

Personal Unsecured⁵

Up to 60 months

12.000%

Home Improvement⁶

Up to 36 months	8.25%
37-48 months	8.50%
49-60 months	8.75%
61-72 months	9.00%
73-84 months	10.25%

VARIABLE RATE FIXED PAYMENT LOANS

Enjoy a low variable rate with the security of a fixed payment that will not change. It's our way of helping you get the lowest payment possible so you can afford more of what you need.

	Annual Percentage Rate (Variable Rate/Fixed Payment)⁷
Auto, Truck, Motorcycle Up to 84 months⁸	Introductory APR* First 6 Months 0.99% After Introductory Period Prime + 1.00%
Boat & Recreational Vehicle Up to 120 months⁹	Introductory APR* First 6 Months 4.50% After Introductory Period Prime + 3.00%
Outdoor Activity Vehicle ATV, UTV, Snowmobile, Waverunner & more! Up to 60 months	Introductory APR* First 6 Months 4.50% After Introductory Period Prime + 4.00%
Personal Unsecured Up to 60 months	Introductory APR* First 6 Months 4.50% After Introductory Period Prime + 6.00%

	Annual Percentage Rate
Personal Line of Credit (Overdraft Protection)¹⁰ Term: Revolving	Prime + 6.00%¹¹
Savings Secured Line of Credit¹² Term: Revolving	Share Rate + 1.50%¹³

LOAN RATES

	Annual Percentage Rate
Teacher Assistance Loan¹⁴ Term: Up to 9 months	0.00%
Certificate of Deposit Secured Loan¹⁵ Term: Certificate Term	Certificate Rate + 3.00%
Share Secured Loan Term: Up to 60 months	Share Rate + 1.50%¹³
Tuition Loan¹⁶ Term: Up to 120 months	Prime + 2.00%¹¹
Undergraduate Student Loan Programs	Click for Details
Student Loan Refinance Program Consolidate Existing Student Loans	Click for Details

REAL-ESTATE LOANS

	Annual Percentage Rate
Mortgages Conventional Adjustable Rate (ARM) Federal Housing Administration (FHA) Veteran Affairs (VA) United States Department of Agriculture (USDA) Additional programs also available!	Click for Rates
Home Equity Line of Credit Term: Up to 20 years Draw Period: 10 years (included in repayment) Loan to Value (LTV): 80%	Introductory Period First 12 Months 5.50% After Introductory Period Prime + 1.00%¹⁷
Term: Up to 20 years Draw Period: 10 years (included in repayment) Loan to Value (LTV): 100%	Prime + 2.50%¹¹
Home Equity Loan Term: Up to 15 years Loan to Value (LTV): 80%	6.99%¹⁸
Term: Up to 20 years Loan to Value (LTV): 100%	9.75%¹⁹
Home Improvement Up to 20 years Loan to Value (LTV): 133%	11.00%²⁰

Effective: January 1, 2025

Disclosure Information	Program Details
Percentage Rate for Purchases	11.99% Apply
Annual Percentage Rate for Cash Advances	11.99%
Annual Percentage Rate for Balance Transfers	11.99%
Grace Period for Purchases	25 Days
Method of Computing the Balance for Purchases	Average Daily Balance (Including New Purchase)
Annual Fee	None
Minimum Finance Charge	None
Transaction Fee for Purchases	None
Foreign Transaction Fee	2% of transaction amount in U.S. Dollars
Balance Transfer Fee	None
Late Payment Fee	$27.00 or the amount of the required minimum payment, whichever is less, if you are five (5) or more days late in making a payment.
Returned Payment Fee	$27.00 or the amount of the required minimum payment, whichever is less.
Over-the-Credit Limit Fee	None

*Annual Percentage Rate (APR)
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account Agreement for more details. All rates are subject to change without notice. Limits available from $500 to $20,000. Collection Costs: You agree to pay all costs of collecting the amount you owe under the Agreement, including court costs and reasonable attorney’s fees.

Personal Loans

Sometimes you just need a little extra cash. Whether you a looking to consolidate debt, make a large purchase or cover the unexpected, we are here to help. And with our 24/7 phone & online application, most borrowers find out if they’re approved instantly!

Quick Money Without the Fees!

No application fee
Borrow up to $20,000
Fast next day funding
No payments for up to 60 days
Same rate for all credit scores

Already have a personal loan at another financial institution, no problem! Refinance today and we may be able to lower your monthly payment.

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Rates

Personal Line of Credit

Saratoga Federal offers a Personal Line of Credit to help you afford the things you need. The Personal Line of Credit can compliment your checking account by providing overdraft protection or as a personal loan used at your discretion. The loan will only be utilized as you need it and you will only pay interest on what is accessed. With no annual fees this is a perfect addition to your checking account.

Apply

Rates

Home Improvement Loans

With our home improvement loans, you can get the money you need quickly for home projects, repairs or renovations.

Quick turnaround
No application fee
Lower closing costs than standard Home Loans
Loan amounts up to $15,000

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Rates

Teacher Assistance Program

Get ready for the school year with our Teacher Assistance Loan with up to $500 interest free. Use it for whatever helps you get ready for the year, just pay it back over the school year. It's the only program around that offers an interest free loan to educators.

NO APPLICATION FEE | NO INTEREST | NO CATCHES

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Program Details

Certificate & Savings Secured Loan

A certificate or shared secured loan offers the ability to borrow money at a very competitive rate. This product will provide additional funds in the form of a loan while keeping the funds you have saved within your account.

Savings Secured Line of Credit

A share secured line of credit allows you to borrow what you need as you need it. Advances can be made conveniently online, in branch or over the phone and deposited to your checking account.

Apply

Rates

No payments for up to 60 days available. Interest will continue to accrue.
*Skip-a-Pay details available at www.saratogafcu.org/skip.

Teacher Assistance Program is available to all New York State Certified Teachers who are currently employed as an educator in New York State. Proof of employment required. Promotion may be discontinued at any time. Through this program, members will have a 9 month term to repay the loan with 0.00% Annual Percentage Rate (APR). Federally insured by the National Credit Union Administration.