Visa® & Personal Loans

WIN A TRIP TO SUPER BOWL LVII

Simply use your Visa Debit or Credit Card from 9/1/2022 through 10/31/2022 to be entered automatically for a chance to win!

Grand Prize Package Includes:

  • 2 round-trip flights to Arizona
  • 2 tickets to Super Bowl LVII
  • Hotel Accomodation

Can’t make it to Arizona for Super Bowl LVII? No problem! The winner has the option to choose the alternative prize of $5,000 and an exclusive Visa NFL Gift Box containing NFL merchandise and more.

Official Terms & Details

 

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

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+ 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


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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

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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)

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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

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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

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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

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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

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.