Auto, Truck & Motorcycle
|
Loan Term In Months |
Annual Percentage Rate |
Thanku Discounts |
|
To – 24 |
6.50% |
Promotional Discounts Available!
Discounts can be used individually or combined together for up to 3.00% off published rates.
|
Automatic Payment Transfer |
-0.25% |
|
5+ Years of Membership |
-0.25% |
|
Debt Protection |
-0.25% |
|
Active College or Trade School Student |
-0.50% |
|
Active SCFCU Checking Account |
-0.50% |
|
Active SCFCU Real Estate Loan |
-1.00% |
|
680+ Credit Score |
-1.00% |
|
Refi' Discount - applies when refinancing from another financial institution |
-1.00% |
Payment Calculator
|
|
25 – 36 |
7.00% |
|
37 – 48 |
7.50% |
|
49 – 60 |
7.75% |
|
61 – 72 |
8.25% |
|
73 – 841 |
8.50% |
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
Active College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of the term of the enrollment. Sample payment based on a 24 month Auto Loan at 2.50% APR* is $42.77 per $1,000 and includes all discounts available. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.
|
|
Loan Term In Months |
Paylock Loan
Variable Rate/Fixed Payment** |
|
To – 24 |
Introductory APR* First 6 Months
0.99%
After Introductory Period
Prime + 1.00%
|
|
25 – 36 |
|
37 – 48 |
|
49 – 60 |
|
61 – 72 |
|
73 – 841 |
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
Members with a variable rate/fixed payment loan are eligible to convert to a fixed rate option at any time during the life of the loan. Credit union may discontinue promotion at any time.
|
Boat and RV
|
Loan Term In Months |
Variable Rate Fixed Payment** |
|
To – 24 |
Introductory APR* First 6 Months
4.50%
After Introductory Period
Prime + 3.00%
|
|
25 – 36 |
|
37 – 48 |
|
49 – 60 |
|
61 – 72 |
|
73 – 84 |
|
85 – 120 |
|
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
Members with a variable rate/fixed payment loan are eligible to convert to a fixed rate option at any time during the life of the loan. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.
|
|
Loan Term In Months |
Annual Percentage Rate |
Thanku Discounts |
|
To – 24 |
7.50% |
Promotional Discounts Available!
Discounts can be used individually or combined together for up to 3.00% off published rates.
|
Automatic Payment Transfer |
-0.25% |
|
5+ Years of Membership |
-0.25% |
|
Debt Protection |
-0.25% |
|
Active College or Trade School Student |
-0.50% |
|
Active SCFCU Checking Account |
-0.50% |
|
Active SCFCU Real Estate Loan |
-1.00% |
|
680+ Credit Score |
-1.00% |
|
|
25 – 36 |
7.50% |
|
37 – 48 |
7.50% |
|
49 – 60 |
7.75% |
|
61 – 72 |
8.00% |
|
73 – 84 |
9.00% |
|
85 – 120 |
9.50% |
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
Active College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of the term of the enrollment. Sample payment based on a 24 month Boat/RV Loan at 4.50% is $43.65 per $1,000 and includes all discounts available. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.
|
Outdoor Activity
|
Loan Term In Months |
Variable Rate Fixed Payment** |
|
To – 24 |
Introductory APR* First 6 Months
4.50%
After Introductory Period
Prime + 4.00%
|
|
25 – 36 |
|
37 – 48 |
|
49 – 60 |
|
*Annual Percentage Rate
Members with a variable rate/fixed payment loan are eligible to convert to a fixed rate option at any time during the life of the loan. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.
|
|
Loan Term In Months |
Annual Percentage Rate |
Thanku Discounts |
|
To – 24 |
9.00% |
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Promotional Discounts Available!
Discounts can be used individually or combined together for up to 3.00% off published rates.
|
Automatic Payment Transfer |
-0.25% |
|
5+ Years of Membership |
-0.25% |
|
Debt Protection |
-0.25% |
|
Active College or Trade School Student |
-0.50% |
|
Active SCFCU Checking Account |
-0.50% |
|
Active SCFCU Real Estate Loan |
-1.00% |
|
680+ Credit Score |
-1.00% |
|
|
25 – 36 |
9.00% |
|
37 – 48 |
9.25% |
|
49 – 60 |
9.50% |
|
Rates apply to new or used fixed rate loans and are published with the highest possible rate. Thanku Discounts may be used individually or combined to discount rates up to 3.00% off the published rates. Active Educational Active College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of term of the enrollment. Sample payment based on a 24 month Outdoor Activity Vehicle Loan at 6.00% APR* is $44.32 per $1,000 and includes all discounts available. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.
|
Personal Unsecured
|
Loan Term In Months |
Variable Rate Fixed Payment** |
|
To – 24 |
Introductory First 6 Months
4.50%
After Introductory Period
Prime + 6.00%
|
|
25 – 36 |
|
37 – 48 |
|
49 – 60 |
|
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
|
|
Loan Term In Months |
Fixed Rate APR* |
Thanku Discounts |
|
To – 24 |
10.00% |
Promotional Discounts Available!
Discounts can be used individually or combined together for up to 3.00% off published rates.
|
Automatic Payment Transfer |
-0.25% |
|
5+ Years of Membership |
-0.25% |
|
Debt Protection |
-0.25% |
|
Active College or Trade School Student |
-0.50% |
|
Active SCFCU Checking Account |
-0.50% |
|
Active SCFCU Real Estate Loan |
-1.00% |
|
680+ Credit Score |
-1.00% |
|
|
25 – 36 |
13.00% |
|
37 – 48 |
14.00%
|
|
49 – 60 |
14.00% |
|
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
Rates are published with the highest possible rate. Thanku Discounts may be used individually or combined to discount rates up to 3.00% off the published rates. Active College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of the term of the enrollment. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.
|
STUDENT & EDUCATIONAL LoanS
|
|
Index/Margin*** |
APR* |
|
Undergraduate Student Loan Programs |
Click for Details |
|
Student Loan Refinance Program
Consolidate Existing Student Loans |
Click for Details |
|
|
Tuition Loan
Daycare, Private Schools, Trade Schools, 2 or 4 Year College/University
|
Prime + 2.00% |
10.50% |
|
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. |
ECASH (Overdraft Protection)
|
|
Index/Margin*** |
Variable APR* |
|
Revolving |
Prime + 6.00% |
14.50% |
|
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
|
Savings Secured Loan
|
|
Annual Percentage Rate |
|
Up to 60 Months |
1.55%
Share Rate + 1.50%
|
|
NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT.
|
Savings Secured Line of Credit
|
|
Index/Margin |
Variable APR* |
|
Revolving |
Share + 1.50% |
1.55%
|
|
NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT.
Variable Rate: This plan has a variable rate feature and the annual percentage rate (corresponding to the periodic rate) and the minimum payment may change as a result. The annual percentage rate can change monthly and is based on the index plus a margin. As of 12/31/2022 the Share Rate was 0.05% APR (Annual Percentage Rate). The rate will be adjusted on the last day of every month plus the margin.
|
Certificate of Deposit Secured Loan
|
Term |
Annual Percentage Rate |
|
Up to 36 Months |
Certificate Rate + 3.00% |
|
NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT.
|
Home Equity Line of Credit
|
Term |
Maximum Amount |
Annual Percentage Rate |
|
Term: Up to 20 Years
Draw Period: 10 Years
(included in repayment term)
|
90% Loan to Value (CLTV)
|
Introductory Period
First 12 Months
2.99%
After Introductory Period
Prime + 1.00%
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 600.
|
|
Term: Up to 20 Years
Draw Period: 10 Years
(included in repayment term)
|
100% Loan to Value (CLTV) |
Prime + 2.50%
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
|
|
Not to exceed $250,000.00
The credit union reserves the right to discontinue promotion at anytime.
Variable Rate: This plan has a variable rate feature and the annual percentage rate (corresponding to the periodic rate) and the minimum payment may change as a result. The annual percentage rate can change monthly and is based on the index plus a margin.
|
Home Equity Loan
|
Term |
Fixed Annual Percentage Rate |
Maximum Amount |
Up to 5 Years
|
6.99%
|
90% Loan to Value (CLTV)
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 600.
|
5 to 10 Years
|
6.99%
|
10 to 15 Years
|
6.99%
|
15 to 20 Years
|
6.99%
|
Up to 20 years
|
9.75%
|
100% Loan to Value (CLTV)
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
|
|
Not to exceed $250,000.00
Sample payment per $1,000, based on a 20 year Home Equity Loan at 6.99% APR* and 90% Loan to Value (CLTV) is $7.76. Sample payment per $1,000, based on a 20 year Home Equity Loan at 9.75% APR* and 100% Loan to Value (CLTV) is $9.49.
|
Home Improvement
|
Loan Term in Months |
Annual Percentage Rate |
Thanku Discounts |
|
To - 36 |
8.25% |
Promotional Discounts Available!
Discounts can be used individually or combined together for up to 3.00% off published rates.
|
Automatic Payment Transfer |
-0.25% |
|
5+ Years of Membership |
-0.25% |
|
Debt Protection |
-0.25% |
|
Active College or Trade School Student |
-0.50% |
|
Active SCFCU Checking Account |
-0.50% |
|
Active SCFCU Real Estate Loan |
-1.00% |
|
680+ Credit Score |
-1.00% |
|
|
37 - 48 |
8.50% |
|
49 - 60 |
8.75% |
|
61 - 72 |
9.00% |
|
73 - 84 |
10.25% |
|
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
Active College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of term of the enrollment. Sample payment based on a 36 month Home Improvement Loan at 5.25% Annual Percentage Rate is $30.09 per $1,000 and includes all discounts available. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.
|
|
Loan Term in Months |
Maximum Amount |
Annual Percentage Rate |
|
Up to 20 Years |
133% Loan to Value (CLTV) |
11.00% |
|
RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
|
Purchase Money Second Mortgage loan
|
Term |
Maximum Amount |
Fixed APR* |
|
Up to 30 years |
100% Loan to Value (CLTV) |
Mortgage Rate + 2.00% |
|
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660. |
PURCHASE MONEY SECOND MORTGAGE line of credit
|
Term |
Maximum Amount |
Annual Percentage Rate |
|
Term: Up to 30 Years
Draw Period: 10 Years
(included in repayment term)
|
100% Loan to Value (CLTV) |
Prime + 2.50% |
|
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660. |
Mortgage
|
|
Annual Percentage Rate |
|
Mortgage Programs |
Check Rates
|
CLASSROOM SUPPLY ASSISTANCE LOAN
|
Loan Term In Months |
Fixed Rate APR* |
|
9 Months |
0.00% |
|
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.
|
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MORTGAGE REFINANCE line of credit
|
Terms |
Details |
Annual Percentage Rate |
|
Term: Up to 25 Years
Draw Period: 10 Years
(included in repayment term)
Maximum Amount:
100% Loan to Value (CLTV)
Maximum $250,000
|
No PMI Required
No Appraisal Fee
No Title Search Fee
No Application Fee
No Attorney Fee
No Recording Fee
No Pre Payment Penalty
No Tax Escrow Required
Cash Out Available
|
9.50%
Prime + 1.00%
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
|
|
|
mortgage refINANCE LOAN
|
Terms |
Maximum Amount |
Fixed Annual Percentage Rate |
|
Term: Up to 20 years
Maximum Amount: 100% Loan to Value (CLTV)
Maximum $250,000
|
No PMI Required
No Appraisal Fee
No Title Search Fee
No Application Fee
No Attorney Fee
No Recording Fee
No Pre Payment Penalty
No Tax Escrow Required
Cash Out Available.
|
10.50%
Prime Rate + 2.00%
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
|
|
Term: Up to 30 years
Maximum Amount: 100% Loan to Value (CLTV)
Maximum $250,000
|
100% Loan to Value (CLTV)
Maximum $250,000
Cash Out Not Available.
|
10.50%
POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
|
|
Title insurance may be required at owner’s expense. This offer is good for refinance only, cash out may be available. Must be primary residence and first lien only. Maximum amount financed is 100% of the combined loan to value (CLTV), not to exceed $250,000. New York State mortgage tax is required and paid by the borrower. Geographic Areas: Only properties located in the following counties will be considered: Albany, Essex, Fulton, Hamilton, Montgomery, Rensselaer, Saratoga, Schenectady, Warren and Washington.
1.00% Origination Fee Applies.
|
Auto Loans - Great RATE for ALL CREDIT SCORES!
Saratoga Federal Advantage
More than just rates, our goal is to help people in our community by making financial services and borrowing more affordable regardless of credit score.
Refinance 100% of your Outstanding Balance
Refinance your auto loan with us and we will finance 100% of your outstanding balance - a unique offer you won't find everywhere else.
Equal Rates for All Vehicles
New or used, enjoy the same unbeatable rate.
Credit Equality
All credit scores welcome with the same exceptional rate.
Exclusive Discounts
Thanku Member Loyalty can help you save money through loan discounts.
Limited Time Auto Refinance Discount Now Available!
Flexible Payments
Enjoy 60 days to your first payment for added flexibility.
Annual Skip-a-Pay
Skip a payment when needed, up to 2 times per year.
Apply
Rates
Payment Calculator
The Application Process
1. Get started by filling out our online application or visiting one of our branches.
2. Get preapproved. We will process your application and notify you when your preapproval is completed, usually the same day.
3. Finalize the deal, send us the purchase agreement and sign the loan documents online using Docusign or stop by the branch.
4. We will cut you a check to purchase your new vehicle.
Apply
Resources
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Your credit union wants to ensure that you and your loans are protected. Protect your family and lessen the burden of making your loan payments should you become unemployed, disabled or lose your life with Debt Protection.
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With discounts for credit union members, the TruStage Auto Insurance Program could save you money. It’s easy to get a quote and make the switch—even if you’re already covered with another company, you won’t lose a penny.
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Securely pay your loan using a debit card or e-check from another bank or credit union.
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Vehicles and Boats for Sale
Please refer to TCAR for terms and details, http://www.tcar-recovery.com/.