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

Our Mission

We strive for member satisfaction by operating with integrity, respect and compassion, for our members and staff.

Our Statement of Commitment

We are committed to doing the right thing for our members and employees. Our decisions and actions are based on keeping us actively engaged in, and supportive of, the communities we serve.

Board of Directors

Jane Decoteau, Chairperson
Richard Thompson, Vice Chairperson
Donald Nickson, Treasurer
Charlene Carli, Secretary
Michael Miller, Director

It was 1945 when a small group of teachers came together to form Saratoga Teachers Federal 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 One of Our Locations
Come visit us and we would be happy to open your account.

Ballston Spa Branch
444 Geyser Road, Ballston Spa, NY 12020
Mon-Fri:  9AM - 5PM | Sat:  9AM - 1PM

Saratoga Springs Branch
23 Division Street, Saratoga Springs, NY 12866
Mon-Fri:  9AM - 5PM

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.


2022 Annual Report
I am pleased to report that your Credit Union had another outstanding year of performance while adjusting to a rapidly rising interest rate environment and the increasing needs of our membership.  The Credit Union's mission is to support member success while advancing our core values:  Integrity, Innovation and Individualization.
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2021 Annual Report
There is no doubt the challenges of recent years continued into 2021 for our members, our employees, and the communities we serve.  As we enter 2022, we realize there are significant challenges ahead of us and believe we are well positioned to focus on our Core Values of Integrity, Innovation and Individualization.
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2020 Annual Report
Like many businesses, your credit union was faced with many challenges in 2020. Our country experienced a year of social and political challenges that impacted how people interacted with each other. This was further compounded by a global pandemic that limited what, where, and when, we do the things that we took for granted. Through it all, your credit union was focused on our core values and how best to integrate them into your daily lives.
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2019 Annual Report
After 75 years, we can say with confidence that our success is a direct result of our Member Value Proposition: “To provide every member the opportunity to have the lifestyle they desire and deserve, by offering financial solutions for the sole purpose of helping members realize their financial dreams, and not profit for their investors.”
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2018 Annual Report
As your local credit union, we’re committed to making sure our community stays strong. We show our support not only by providing loans and other services that grow our economy, but also by getting behind causes and events in the area.
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2016 Annual Report
Though there remains a lot of economic and regulatory uncertainty, your credit union has been working hard to assist members and minimize the impact of regulation on credit union operations.
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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.”
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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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Saratoga’s Credit Union, First New York FCU launch Interactive Teller Machine (ITM) collaboration 
Saratoga’s Community Federal Credit Union and First New York Federal Credit Union recently collaborated on a state of the art Interactive Teller Machine (ITM). This is the second collaboration for the two credit unions with the shared initiative of improving access to financial services in our local region.
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Saratoga’s Credit Union Launches Saratoga Mortgage and Welcomes Patti Montgomery 
Saratoga’s Credit Union opens a New Branch in Ballston Spa with a Focus on Helping the Community with their Mortgage Needs as the credit union introduces Saratoga Mortgage, a service of Saratoga’s Credit Union.
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Saratoga’s Community Federal Credit Union’s School Supply Drive 
Saratoga’s Community Federal Credit Union’s School Supply Drive had another successful year. With the help of the Credit Union’s members, staff, and Board of Directors, donations amounted to ensure nearly 20 students had supplies for the start of the school year. Backpacks, folder, binders, dry erase markers...
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Saratoga’s Community Federal Credit Union Awards Scholarships to Members
Saratoga’s Community Federal Credit Union has awarded college scholarships to two high school seniors to help finance their college education. The students, members of Saratoga’s Community Federal Credit Union, were chosen based on their outstanding academic and extracurricular achievements...
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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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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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