VISA^®
	Index + Margin	APR*
Business Visa^®	Prime + 6.00%	10.75%
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	Business Visa^®
Annual Percentage Rate for Purchases	11.25%
Cash Advance	11.25%
Balance Transfer	11.25%
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	None
Late Payment Fee	$10.00
Over-the-Credit Limit Fee	None

Auto, Truck & Motorcycle - limited time special
Loan Term In Months	Promotional Loyalty Fixed Rate APR*	Variable Rate Fixed Payment**
To – 24	~~3.50%~~ 0.75%	Introductory First 6 Months 0.99% After Introductory Period Prime + 1.00%
25 – 36	~~5.00%~~ 2.25%
37 – 48	~~5.50%~~ 2.75%
49 – 60	~~5.75%~~ 3.00%
61 – 72	~~6.25%~~ 3.50%
73 – 84¹	~~6.50%~~ 3.75%
Promotional Rates Reflect 2.75% Member Loyalty Discount Rates apply to new or used and include discounts for Automatic Payment Transfer (0.25%), 5+ Years of Membership (0.25%), Incite Rewards Redemption (0.25%), Vantage Credit Score 680+ (2.00%). Discount applies to fixed rate loans only. Limited time promotion, expires December 31, 2020. 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
Loan Term In Months	Fixed Rate APR*	Variable Rate Fixed Payment**
To – 24	6.50%	Introductory First 6 Months 4.50% After Introductory Period Prime + 3.00%
25 – 36	6.50%
37 – 48	6.50%
49 – 60	6.75%
61 – 72	7.00%
73 – 84	8.00%
85 – 120	8.50%
Rates Reflect 0.75% Member Loyalty Discount Rates apply to new or used and include discounts for Automatic Payment Transfer (0.25%), 5+ Years of Membership (0.25%) and incite Rewards redemption (0.25%). Discount applies to fixed rate loans only.

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%
Rates Reflect 0.75% Member Loyalty Discount Rates apply to new or used and include discounts for Automatic Payment Transfer (0.25%), 5+ Years of Membership (0.25%) and incite Rewards redemption (0.25%). Discount applies to fixed rate loans only.

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%
Rates Reflect 0.75% Member Loyalty Discount Rates include discounts for Automatic Payment Transfer (0.25%), 5+ Years of Membership (0.25%) and incite Rewards Redemption (0.25%). Minimum Loan $500 \| Maximum Loan $15,000.00

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%	6.75%

CA$HFlow Credit (Overdraft Protection)
	Index/Margin***	APR*
Revolving	Prime + 10.00%	14.75%
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 $15,000 Available

Savings Secured Loan
	Annual Percentage Rate
Up to 60 Months	4.25%
Minimum monthly payment $35.00

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
Minimum Limit - $500 \| Maximum Limit - $25,000.00

Certificate of Deposit Secured Loan
Term	Annual Percentage Rate
Up to 36 Months	Certificate Rate + 3.00%
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 First 12 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%
Not to exceed $250,000.00 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.

Home Equity Loan
Term	Maximum Amount	Fixed APR*
Up to 15 years	80% Loan to Value (CLTV)	3.99%
Up to 20 years	100% Loan to Value (CLTV)	7.25% Prime Rate + 2.50%
Not to exceed $250,000.00

Home Improvement
Term	Maximum Amount	Annual Percentage Rate
Up to 20 years	133% Loan to Value (CLTV)	10.00%
7 years	$15,000	9.24%
6 years	$15,000	7.99%
5 years	$15,000	7.74%
4 years	$15,000	7.49%
3 years	$15,000	7.24%
Minimum Loan $1,000.00

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%
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).

Effective: January 1, 2020

Disclosure Information	Program Details
Percentage Rate for Purchases	9.90% 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 9.90%.
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 9.90%.
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. Promotional Period for Introductory APR on Cash Advances & Balance Transfers: The Introductory APR for purchases, balance transfers, and cash advances will apply to transactions posted to your account until December 31, 2020. All rates are subject to change without notice. Limits available from $500 to $15,000. 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

Saratoga's Credit Union offers a variety of solutions to help your financial needs. Whether you are looking for overdraft protection to add to a checking account, a credit card with rewards for every day expenses, or consolidating debt through a personal loan, we can help.

Loan Options	Benefits	Details
VISA^® Platinum Credit Card Apply	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 $15,000 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 Rewards Balance Transfer Form Rates & 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 0.00% Annual Percentage Rate
Personal Loans Apply	Personal loans are available to provide flexible borrowing power for any need that may arise in limits from $500 to $15,000. 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 $15,000 Rates
CashFlow Line of Credit Apply	Saratoga's Community Federal Credit Union offers an Overdraft Protection loan to complement our checking account. With a CashFlow 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 $15,000 Rates

Loan Options

Benefits

Details

VISA^® Platinum Credit Card

Apply

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 $15,000

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 Rewards Balance Transfer Form Rates & 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
0.00% Annual Percentage Rate

Personal Loans

Apply

Personal loans are available to provide flexible borrowing power for any need that may arise in limits from $500 to $15,000. 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 $15,000

Rates

CashFlow Line of Credit

Apply

Saratoga's Community Federal Credit Union offers an Overdraft Protection loan to complement our checking account. With a CashFlow 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 $15,000

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 $15,000 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.

Visa® & Personal Loans

Special Promotional Rates - Consolidate Higher Interest Debt

PERSONAL SECURED LOANS

Resources

Lost or Stolen Credit Card

Promotions

EMV - What is it?

Email Signup

Visa^® & Personal Loans