Message Regarding COVID-19

With the ongoing concerns about the Coronavirus (COVID-19), know that Saratoga's Credit Union is taking proactive steps to ensure the well-being of our members and employees.  We are staying up-to-date on the latest reports from the Centers for Disease Control (CDC) and taking a number of precautionary measures for the health and safety of our members and colleagues.  We are here for you and will continue to provide the same quality service.

We are pleased to re-open our branch lobby and appreciate your following the procedures that have been put in place to comply with COVID-19 recommendations.

What to Expect When You Visit

Government Issued Photo Identification – Please have your Government Issued Photo Identification available to provide the representative.  Please ensure this is current and not expired.
Protective Shields – Protective shields have been installed for the safety of guests and staff.
Masks – Guests are required to wear masks.  Staff will also be wearing masks for your protection.
Social Distancing – Please follow social distancing procedures and protocols.  Signs will be available to assist with spacing.


Account Access

We provide you the tools to access your account from the comfort of your own home and your convenience. 

Mobile and Online Banking
Log in to your account through online banking or our mobile app to view transactions, check balances, deposit checks, send money to friends, make payments, and more. Need help setting up or accessing your account? Give us a call and we'll walk you through it, 518.583.2323. Read More...

Shared Branching Drive-Up Locations & ATM Network
Utilizing drive-up locations decreases the amount of person-to-person contact, while still providing branch access. Please bring valid government issued photo identification and your member number to perform standard branch transactions including deposits, payments and withdrawals. ATMs also provide access to cash without the person-to-person contact.  Utilize our extensive network of 30,000+ ATMs including Stewart’s and CO-OP ATMs. Find Branch & ATM Locations...

Call Center
Credit union staff are in the office Monday - Friday from 9:00am to 5:00pm to help with any questions you may have.  We appreciate your calling the credit union before visiting the branch. Give us a call, 518.583.2323.

Branch Office Night Drop
Our night drop is found on the side of our branch building and provides the ability to deposit funds or make payments without entering the office. Simply fill out an envelope with your name and member number clearly marked and provide instructions for the transaction.


Products & Tools

We want to make sure you are fully prepared to navigate the storm. Give us a call at 518.583.2323 to get started on any of the following programs. 

This program is available on most loans and can be utilized to defer up to 2 months of loan payments. While Skip-a-Pay is often used around the holidays, it can be used to help you navigate COVID-19. Whether or not you were directly impacted by COVID-19, this program is here for you. Learn More...

Lower Your Loan Payments
We can work with you one-on-one to review your current rates and loan payments with all financial institutions through a credit review. Doing so can help us determine ways to lower rates, extend terms and/or reduce payments. Give us a call, 518.583.2323.

Personal Loan Options
Create a safety net with a low-interest loan, personal line of credit or credit card. Doing so may able to provide the extra cash you need. Plus, we can handle the entire process remotely, so you will not have to visit the office to sign documents. Read More...

Mortgage Refinancing
Mortgage rates are at an all-time low. If you have been thinking about refinancing, now is the time to make it happen. Don't miss out on this opportunity to lower your rate and provide a safety net for any future unplanned expenses. Connect with our Morgage Account Executive, at 518.583.2323 x778 or email at Learn More...

Debt Protection
Now that the unexpected had happened, ensure peace of mind with a little extra protection. Debt Protection offers you security on your loan balance or payments against unforeseen events such as death, disability or involuntary unemployment. Learn More...

Need to open a new checking account? You have the ability to apply from the comfort of your own home! Open an account today.

Apply Online: Should you have the need to apply for a new loan, we make it easy to access online. Apply today.


Stay Alert

Fraudsters are taking advantage of the unexpected times surrounding COVID-19. The Federal Bureau of Investigation is urging consumers to be aware of scams related to COVID-19. They advise consumers to do research before clicking on any links purporting to provide information on the virus; donating to a charity online or through social media; contributing to a crowd funding campaign; purchasing products online; or giving up personal information in order to receive money or other benefits. Learn More...


How We Can Help

If you are experiencing financial hardship due to COVID-19, please complete the Financial Assistance Application and call us at 518.583.2323.

Financial Assistance Application

We will continue to monitor the situation and take any additional measures should the need arise. For additional information about COVID-19, get the latest report from the Centers for Disease Control at or your local health department website.

Register for Text Alerts by text SCFCU NEWS to 76076.

Terms & Conditions
Saratoga’s Credit Union Information and Promotion Alerts on shortcode 76076.
Max 10 msgs/mo. Message and Data Rates May Apply. Reply STOP to stop. Reply HELP for info or email us at
Carriers are not liable for delayed or undelivered messages.

CDC Website