Visa® & Personal Loans


Saratoga's Community Federal Credit Union offers highly competitive rates on its consumer loans & VISA Platinum credit cards.   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.  This product can also work well for members who would prefer to keep savings on hand while borrowing at an affordable rate.

Visa® Platinum Credit Card

 

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 low 6.99% APR* on those balances until they are paid off.  Featuring no balance transfer or cash advance fees makes this card the simple choice.  Current cardholders can complete our Balance Transfer form and start saving today.  New to our VISA program, apply online today.

Balance Transfer Form Rates & Terms Apply

Rewards, Rewards, Rewards
Incite is our member rewards program where you 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

Personal Loans

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.

Rates   Apply

CashFlow Line of Credit

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.  The Overdraft Line of Credit has limits available from $250 to $15,000.

Rates   Apply

Personal Secured Loans
Loan Options Benefits Details

VISA Secured

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 line 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.

Verified by VISA

Verified by Visa

Add an extra layer of protection when shopping online with your Visa Platinum credit card. Verified by Visa allows you to create a password that protects you when you use your card online.

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.