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.

Rates apply to new or used fixed rate loans and are published with the highest possible rate. Member Loyalty 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. 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.

¹84 month term applies to new autos only.


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. *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. Credit union may discontinue promotion at any time. ¹84 month term applies to new autos only.

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. *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

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.

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 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%

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. Minimum Loan $500 \| Maximum Loan $20,000.00 The credit union reserves the right to discontinue promotion at anytime.

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.

Minimum Loan $500 | Maximum Loan $20,000

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 $5,000 per school year, $15,000 maximum aggregate, 120 month term	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. Monthly payment is 2.00% of total outstanding balance or $25.00, whichever is greater. Overdraft is protection for your Checking Account. Limits of $250 to $20,000 Available

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. Minimum monthly payment $35.00

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. Minimum Limit $500 \| Maximum Limit $75,000.00 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. Limits available from $500 up to certificate balance.

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 (Up to 60 Months)	6.99%	90% Loan to Value (CLTV) POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 600.
5 to 10 Years (61 to 120 Months)	6.99%
10 to 15 Years (121 to 180 Months)	6.99%
15 to 20 Years (181 to 240 Months)	6.99%
Up to 20 years (Up to 240 Months)	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.

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 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.

Minimum Loan $1,000.00
Maximum Loan $15,000

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. Sample payment per $1,000, based on a 20 year Home Improvement Loan at 11.00% APR* and 133% Loan to Value (CLTV) is $10.33 per $1,000. Must be credit qualified.

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.

Sample payment per $1,000, based on a 20 year Home Improvement Loan at 11.00% APR* and 133% Loan to Value (CLTV) is $10.33 per $1,000. Must be credit qualified.

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.

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. Qualifications Available to all New York State Certified Teachers who are currently employed as an educator in New York State. Proof of employment required. Through this program members will have a 9 month term to repay the loan with 0.00% Annual Percentage Rate (APR).

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.
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. 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.

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% Prime Rate + 2.00% 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.

Protection options

Debt Protection

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability, or involuntary unemployment could help protect your finances. This protection could cancel your loan balance or payments up to the contract maximums.

Life Plus adds protection for life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent. Protect your loan balance or loan payments today so your family can worry a little bit less about tomorrow.

Purchasing protection is voluntary and won’t affect your loan approval. It’s simple to apply. Ask today about eligibility, conditions, or exclusions.*

Debt protection is an optional coverage that can be added at the time of receiving the loan or at any period during the life of the loan. There are no medical assessments to qualify. Ask about debt protection today!

Call us at 518.583.2323 for more information.

Frequently Asked Questions

Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply.

*Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.

Guaranteed Asset Protection (GAP)

If your vehicle is totalled, your insurance company may only pay what the vehicle is worth - which is often less than what you owe on your loan. What happens to the remaining balance on the loan? GAP can protect your loan against the unforeseen, by cancelling the difference between the vehicle's value and the balance of your loan.

Call us at 518.583.2323 for more information.

Debt Protection Stats

Your purchase of Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. You may cancel the protection at any time. If you cancel protection within 90 days you will receive a full refund of any fee paid. You will receive additional information before you are required to pay the fee for this product.

Your purchase of Debt Protection is optional. Whether or not you purchase Debt Protection will not affect your application for credit or the terms of any existing credit agreement you have with Saratoga's Community Federal Credit Union. We will give you additional information before you are required to pay for Debt Protection. This information will include a copy of the contract containing the terms and conditions of Debt Protection. There are eligibility requirements, conditions and exclusions that could prevent you from receiving Debt Protection benefits. You should carefully read your Debt Protection contract for a full explanation of the terms and conditions of the Debt Protection program.

Debt Protection is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

Sources
1 National Safety Council, Injury Facts, 2012 Edition
2 Council for Disability Awareness, Long-Term Disability Claims Review 2011
3 Bureau of Labor Statistics, Economic News Release, February 6, 2015
4 Aflame Work Forces Report, Released April 4, 2012

Protection options

Debt Protection

Guaranteed Asset Protection (GAP)

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