VISA®
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|
Index + Margin |
APR* |
|
Business Visa® |
Prime + 6.00% |
13.50% |
|
|
|
Disclosure Information |
Business Visa® |
|
Annual Percentage Rate for Purchases |
13.50% |
|
Cash Advance |
13.50% |
|
Balance Transfer |
13.50% |
|
Grace Period for Purchases |
25 Days |
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Method of Computing the Balance for Purchases |
Average Daily Balance (Including New Purchase) |
|
Annual Fee |
None |
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Minimum Finance Charge |
None |
|
Transaction Fee for Purchases |
None |
|
Foreign Transaction Fee |
2% of transaction amount |
|
Balance Transfer Fee |
None |
|
Late Payment Fee |
$27.00 |
|
Over-the-Credit Limit Fee |
None |
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.
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. Credit union may discontinue promotion at any time.
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|
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
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25 – 36 |
6.00% |
|
37 – 48 |
6.50% |
|
49 – 60 |
6.75% |
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61 – 72 |
7.25% |
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73 – 841 |
7.50% |
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
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.
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Boat and RV
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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.
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% |
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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.
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.
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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.
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|
Loan Term In Months |
Annual Percentage Rate |
Thanku Discounts |
|
To – 24 |
9.00% |
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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% |
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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.
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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.
|
|
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.
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STUDENT & EDUCATIONAL LoanS
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|
Index/Margin*** |
APR* |
|
Undergraduate Student Loan Programs |
Click for Details |
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Student Loan Refinance Program
Consolidate Existing Student Loans |
Click for Details |
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CU Educational Loan
Daycare, Private Schools, Trade Schools, 2 or 4 Year College/University
|
Prime + 2.00% |
9.50% |
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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.
|
Savings Secured Loan
|
|
Annual Percentage Rate |
|
Up to 60 Months |
1.55%
Share Rate + 1.50%
|
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NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT.
|
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.
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.
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Certificate of Deposit Secured Loan
|
Term |
Annual Percentage Rate |
|
Up to 36 Months |
Certificate Rate + 3.00% |
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NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT.
|
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.
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Home Equity Loan
|
Term |
Fixed Annual Percentage Rate |
Maximum Amount |
Up to 5 Years
|
3.00%
|
90% Loan to Value (CLTV)
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 600.
|
5 to 10 Years
|
3.50%
|
10 to 15 Years
|
3.75%
|
15 to 20 Years
|
4.25%
|
Up to 20 years
|
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.
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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.
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.
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|
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.
|
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. |
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.
|
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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.
|
|
|
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%
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
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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.
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Effective: January 1, 2023
|
Disclosure Information |
Program Details |
|
Percentage Rate for Purchases |
11.99%
Apply
|
|
Annual Percentage Rate for Cash Advances |
6.99% introductory APR until balance subject to introductory APR is paid off. After that the rate will be 11.99%. |
|
Annual Percentage Rate for Balance Transfers |
6.99% introductory APR until balance subject to introductory APR is paid off. After that the rate will be 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 |
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.
Visa® & Personal Loans
5,000 Bonus Incite Rewards Points
Apply for a VISA® Platinum Credit Card today and all new cardholders will enjoy 5,000 Bonus Incite Rewards Points just for becoming a credit cardholder. Incite Rewards program is available to all credit cardholders. Points can be redeemed for credit union products and services, gift cards, cash, merchandise, travel, charitable contributions and more.
|
Loan Options |
Benefits |
Details |
|
VISA® Platinum Credit Card
Apply
+ Credit Line Increase
|
Special Promotional Rates - Consolidate Higher Interest Debt
A new lower rate to help you consolidate debt. Transfer your higher interest balances to our Visa Platinum and enjoy a special low rate on those balances until they are paid off. No balance transfer or cash advance fees makes this card the simple choice, complete with rewards program and CardValet fraud manager.
CardValet Mobile App
Turn your card on a off simply with our mobile app. With CardValet you can control how, when and where your credit card is used.
-
Turn your debit card on and off
-
Establish transaction spending limits
-
Set Alerts and Notifications
-
Link accounts to better monitor dependent spending
Learn More
|
Interest Rate:
Fixed
Term:
Open
Credit Limit Amount:
$500 to $20,000
Rewards Program
Earn points based on your relationship with the credit union and by swiping your credit card. Redeem your points for travel, merchandise, charitable donations, smartphone apps, music downloads and more.
Incite RewardsBalance Transfer FormRates & Terms
|
School Supply Assistance Loan
Apply
|
Designed to help ensure each classroom has everything it needs. Just Pay it back over the term.
No Application Fee
No Interest
No Catches
Qualifications: Available to all New York State Certified Teachers who are currently employed as an educator in New York State. Proof of employment required.
|
Interest Rate:
N/A
Term:
Up to 9 Months
Credit Limit Amount:
$500
Rates
|
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Personal Loans
Apply
|
Personal loans are available to provide flexible borrowing power for any need that may arise in limits from $500 to $20,000. Fixed and variable rate options available for terms up to 60 months. |
Interest Rate:
Variable
Term:
Up to 60 Months
Credit Limit Amount:
$500 to $20,000
Rates
|
|
eCash (previously CashFlow Line of Credit)
Apply
|
Saratoga's Community Federal Credit Union offers an Overdraft Protection loan to complement our checking account. With a eCash Line of Credit you are protected should you attempt to process a payment and not enough funds are available in your checking account. 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. |
Interest Rate:
Variable
Term:
Revolving
Credit Limit Amount:
$250 to $20,000
Rates
|
PERSONAL SECURED LOANS
If you are looking to establish credit for the first time or would like to rebuild existing credit, we can work with you through a variety of secured credit options to help improve your financial picture. These productS can also work well for members who would prefer to keep savings on hand while borrowing at an affordable rate.
|
Loan Options |
Benefits |
Details |
|
VISA® Platinum Secured Credit Card
Apply
|
A VISA secured credit line will provide you with the flexibility of a credit card and the benefits of our incite rewards program. A VISA secured credit card can help you build credit for the first time or restore existing credit.
Collateral
The funds within the savings account are held as collateral.
|
Interest Rate:
Fixed
Term:
Open
Credit Limit Amount:
$500 to $20,000
Maximum Loan to Value (LTV):
90%
Rates & Terms
|
|
Share Secured Loan
Apply
|
A 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.
Collateral
The funds within the savings account are held as collateral.
|
Interest Rate:
Fixed
Term:
Up to 60 months
Loan Limit Amount:
$500 to $75,000
Maximum Loan to Value (LTV):
100%
Rates
|
|
Certificate Secured Loan
Apply
|
A certificate secured loan can provide flexible borrowing power at a low rate. You may borrow up to the maximum in your certificate of deposit. This will allow you to keep the funds earning interest in the certificate and provide flexible borrowing power.
Collateral
The funds within the certificate of deposit account are held as collateral.
|
Interest Rate:
Variable
Term:
Available up to the maturity date of the certificate.
Loan Limit Amount:
$500 to Certificate Balance
Maximum Loan to Value (LTV):
100%
Rates
|
|
Share Secured Line of Credit
Apply
|
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.
Collateral
The funds within the savings account are held as collateral.
|
Interest Rate:
Fixed
Term:
Open
Loan Limit Amount:
$500 to $25,000
Maximum Loan to Value (LTV):
100%
Rates
|
Resources
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Lost or Stolen Credit Card
To report a lost or stolen credit card, call 1.877.223.4573 when in the United States or 1.605.782.3573 if traveling internationally.
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Looking for a great deal, check out our current promotional offers.
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You may have heard about EMV technology on the news, but how does it affect your debit and credit cards? EMV provides a more secure way of using your debit and credit cards to make purchases and ATM transactions. Click to learn more.
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