About Us

Discover the Credit Union Difference

Credit unions are not banks; they are not-for-profit financial cooperatives.  We were founded to serve our members - not to make a profit.  As a member you have equal ownership and one vote.  Your board members are volunteers and all earnings are returned to the members as lower loan rates, higher dividends and lower fees.  We are Saratoga's credit union.  Compare us to banks and you'll see the difference!

Our Vision

To be the preferred provider of credit union services in the communities we serve.

Our Mission

To make a meaningful difference in the financial well-being of the members and the communities we serve.

Our Values

Integrity  |  Individualization  |  Innovation

It was 1945 when a small group of teachers came together to form Saratoga Teacher’s Credit Union as a way to help other teachers save money and borrow confidently.  The big banks lacked the service that teachers needed, so they took matters into their own hands by establishing a local credit union.

In its early years, the credit union’s physical location could be found in an area set aside by the Saratoga Springs City School District or sometimes even in the basement of a Board Director’s home.  The 1980’s saw the purchase of a more permanent physical location at 23 Division Street, Saratoga Springs in order to better serve our members.

Throughout the years the credit union has grown to serve the entire county of Saratoga, providing fair loans and affordable banking options.

A lot has changed in the past 70 years, especially when it comes to technology.  Few may recall a time when the credit union did not have cash on hand and issued counter checks for withdrawals.  Or a time when you had to visit the branch just to get an account balance.  Your credit union has always realized the importance of changing with the world around us and has implemented banking technology as it has evolved.

It is important to us that technology is used to enhance the personal banking experience.  Give us a call or drop by to learn about how our electronic services can make your finances easier to manage.

Convenience Banking
Mobile & Online Banking
Shared Branch & ATM Access
Instant Issue Cards

Credit unions are different in a sense that they exist to help others in their time of need.  We live by the philosophy of “people helping people”.   We have committed to making a meaningful difference in the financial well-being of the members and communities we serve.  Saratoga’s Credit Union is happy to have the opportunity to work with fine, local organizations such as Shelters of Saratoga, The Franklin Community Center, Adult and Senior Center of Saratoga, and Saratoga’s Foundation for Innovative Learning.

We encourage everyone to do their part.  After all, together we can make a difference.

Who We Serve: Eligibility Requirements

  • Persons who live, work, worship, or attend school in Saratoga County, NY;
  • Businesses and other legal entities located in Saratoga County, New York;
  • Spouses of persons who died while within the field of membership of this credit union;
  • Employees of this credit union;
  • Members of their immediate family or household, and organizations of such persons; are eligible to become a member of Saratoga's Community Federal Credit Union.

If you have any questions regarding eligibility requirements contact us at 518.583.2323 and a staff member will assist you in determining your eligibility.

Applying For Your New Account

Visit the Branch
Come visit us at 23 Division Street in downtown Saratoga Springs and we would be happy to open your account.

Open an Account Online
Apply for an account with our online application.  The application takes about 10 minutes and you should hear from a representative within 1 business day.

Join Now

Saratoga's Connection, our quarterly newsletter, contains information about new products and services, special announcements, general information, educational articles and community events.

 

2015 Annual Report:  People Helping People
It’s back to basics and beyond.  Somewhere along the way, many financial institutions lost sight as to why they were founded.  Whether it was charter expansion, increased competition, or simply the desire to be the biggest, times changed.  Fortunately, we never forgot that our success all began with “people helping people.”
+ READ MORE
2014 Annual Report: Celebrating 70 Years of Serving the Community
Over the past 70 years, your credit union has changed dramatically.  Some may say the most notable change is from serving the teachers of Saratgoga Springs to serving the residents of Saratoga County.
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2013 Annual Report:  We are here for you.  We are here because of you.
Edward Filene worked tirelessly to promote the Credit Union Movement in the United States.  Being a small business owner himself, he realized the needs of the common people.  Those who were denied loans at big banks could obtain a loan at a credit union and a savings account did not have to begin with a large balance.
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2012 Annual Report: We Are Saratoga's Credit Union
Your credit union is in a desirable position today because of our commitment to the basic credit union principal of helping members when other financial instiutions would not.  It’s the credit union difference.
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First New York FCU, Saratoga's Community FCU Launch NextGen ATM Collaboration
First New York Federal Credit Union and Saratoga’s Community Federal Credit Union recently collaborated on a self-service terminal. Under the first-of-its-kind collaboration, First New York FCU will launch a state-of-the-art CO-OP NextGen ATM in the vestibule lobby of Saratoga’s Community FCU’s branch
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Resources

Latest News

We love to share what’s new at the credit union.  Take a look at our newest articles.

Community Commitment

Credit unions are different in a sense that they exist to help others in their time of need.  We live by the philosophy of “people helping people”.   We have committed to making a meaningful difference in the financial well-being of the members and communities we serve.

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