VISA^®
	Annual Percentage Rate
Business Visa^®	Prime + 6.00%
Limits available from $500 to $15,000. Business Visa® monthly payments will be 2.00% of the total new balance, or $25.00, whichever is greater plus outstanding unpaid fees and charges, all prior unpaid payments and any mount that exceeds your credit limit.

Disclosure Information	Annual Percentage Rate
Annual Percentage Rate for Purchases	Prime + 6.00%
Cash Advance	Prime + 6.00%
Balance Transfer	Prime + 6.00%
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
Balance Transfer Fee	1% of transaction amount
Late Payment Fee	$27.00
Over-the-Credit Limit Fee	None

Auto, Truck & Motorcycle

Loan Term In Months	Vehicle Refinance Promotional Annual Percentage Rate	Vehicle Purchase Promotional Annual Percentage Rate
To – 24	~~6.50%~~ 3.50%	~~6.50%~~ 4.50%	Get Started Payment Calculator
25 – 36	~~7.00%~~ 4.00%	~~7.00%~~ 5.00%
37 – 48	~~7.50%~~ 4.50%	~~7.50%~~ 5.50%
49 – 60	~~7.75%~~ 4.75%	~~7.75%~~ 5.75%
61 – 72	~~8.25%~~ 5.25%	~~8.25%~~ 6.25%
73 – 84¹		~~8.50%~~ 6.50%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. Rates apply to new or used fixed rate loans and are published with the grand opening discounts that are currently available. Refinance discount only applies when refinancing a vehicle from another financial institution. Sample payment based on a 24 month Auto Loan at 3.50% APR* is $43.20 per $1,000 and includes the promotional discount for refinanced vehicles. The credit union reserves the right to discontinue promotion at any time. Must be credit qualified. Minimum credit score of 600. ¹84 month term applies to new autos only.


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.

Boat and RV

Loan Term In Months	Promotional Fixed Annual Percentage Rate
To – 24	~~7.50%~~ 5.50%	Get Started Payment Calculator
25 – 36	~~7.50%~~ 5.50%
37 – 48	~~7.50%~~ 5.50%
49 – 60	~~7.75%~~ 5.75%
61 – 72	~~8.00%~~ 6.00%
73 – 84	~~9.00%~~ 7.00%
85 – 120⁺	~~9.50%~~ 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 grand opening discounts that are currently available. Sample payment based on a 24 month Boat/RV Loan at 5.50% is $44.10 per $1,000 and includes the promotional rate discount. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600. ⁺120 month term applies to new boats/RVs only.

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.

Outdoor Activity

Loan Term In Months	Annual Percentage Rate
To – 24	~~9.00%~~ 7.00%	Get Started Payment Calculator
25 – 36	~~9.00%~~ 7.00%
37 – 48	~~9.25%~~ 7.25%
49 – 60	~~9.50%~~ 7.50%
Rates apply to new or used fixed rate loans and are published with the grand opening discounts that are currently available. Sample payment based on a 24 month Outdoor Activity Vehicle Loan at 7.00% APR* is $44.78 per $1,000 and includes the promotional rate discount. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.

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	Promotional Fixed Rate APR*
To – 24	~~10.00%~~ 8.00%	Get Started Payment Calculator
25 – 36	~~13.00%~~ 11.00%
37 – 48	~~14.00%~~ 12.00%
49 – 60	~~14.00%~~ 12.00%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. Rates are published with the grand opening discounts that are currently available. Sample payment based on a 24 month term at 8.00% APR* is $45.24 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 $500 \| Maximum Loan $20,000

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.

STUDENT & EDUCATIONAL LoanS
	Annual Percentage Rate***
Undergraduate Student Loan Programs	Click for Details
Student Loan Refinance Program Consolidate Existing Student Loans	Click for Details
Tuition Loan Daycare, Private Schools, Trade Schools, 2 or 4 Year College/University $5,000 per school year, $15,000 maximum aggregate, 120 month term	Prime + 2.00%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.

ECASH (Overdraft Protection)
	Annual Percentage Rate***
Revolving	Prime + 6.00%
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	Share Rate + 1.50%
NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT. Minimum monthly payment $35.00 Sample payment based on a 60 month term at 1.55% APR* is $17.34 per $1,000.

Savings Secured Line of Credit
	Annual Percentage Rate
Revolving	Share Rate + 1.50%
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)	80% Loan to Value (CLTV)	Introductory Period First 12 Months 5.50% 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)	6.99%	80% Loan to Value (CLTV) POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 600.
5 to 10 Years (61 to 120 Months)	6.99%
10 to 15 Years (121 to 180 Months)	6.99%
15 to 20 Years (181 to 240 Months)	6.99%
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 5 year Home Equity Loan at 6.99% APR* and 80% Loan to Value (CLTV) is $19.80. 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
To - 36	8.25%
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. 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.

Mortgage
	Annual Percentage Rate
Mortgage Programs Conventional Mortgages Adjustable Rate Mortgages (ARM) Federal Housing Administration (FHA) Veteran Affairs (VA) United States Department of Agriculture (USDA)	Rates Calculator Receive a Personalized Quote Today!

Teacher 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). Sample payment based on a 9 month term at 0.00% APR* is $55.56 per $1,000.

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.

Visa^® & Personal Loans

Loan Options	Benefits	Details
VISA^® Platinum Credit Card Apply + Credit Line Increase	Consolidate Higher Interest Debt Transfer your higher interest balances to our Visa Platinum and enjoy a low, fixed rate. No balance transfer or cash advance fees makes this card the simple choice. CardTrax within the Saratoga Federal Mobile App Turn your card on a off simply with our mobile app. With CardTrax 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 Set Travel Alerts	Interest Rate: Fixed Term: Open Credit Limit Amount: $500 to $20,000 Balance Transfer Form Rates & Terms
Teacher 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
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

Loan Options

Benefits

Details

VISA^® Platinum Credit Card

Apply

+ Credit Line Increase

Consolidate Higher Interest Debt

Transfer your higher interest balances to our Visa Platinum and enjoy a low, fixed rate. No balance transfer or cash advance fees makes this card the simple choice.

CardTrax within the Saratoga Federal Mobile App
Turn your card on a off simply with our mobile app. With CardTrax 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
Set Travel Alerts

Interest Rate:
Fixed

Term:
Open

Credit Limit Amount:
$500 to $20,000

Balance Transfer Form Rates & Terms

Teacher 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

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

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.

Promotions

Looking for a great deal, check out our current promotional offers.

EMV - What is it?

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.

*Incite Bonus Points of 5,000 for new cardholders effective as of May 1, 2022. Not available to existing cardholders.

Triple Your Points Promotion: From July 1, 2022 to August 31, 2022 earn triple points for every purchase. Qualifying purchases are purchases that post to your account, less credits, returns or other adjustments that are not payments or bonus points. Qualifying purchases can be made anywhere; there are no specific categories associated with this program. Qualifying purchases do not include balance transfers, cash advances, convenience checks, purchases of cash equivalents of any kind (i.e., money orders, ATM cash disbursements, gaming transactions, etc.), tax payments, finance charges, fees, credit insurance, credit protection/debt cancellation charges or unauthorized/fraudulent transactions. Transactions that are not qualifying purchases do not earn rewards points. Points will be awarded at one time at the end of the promotional period. The credit union reserves the right to discontinue promotion at any time. Must be credit qualified.

Visa® & Personal Loans

Consolidate Higher Interest Debt

PERSONAL SECURED LOANS

Resources

Lost or Stolen Credit Card

Promotions

EMV - What is it?

Email Signup

Visa^® & Personal Loans