Rates

1. Auto, Truck, Motorcycle:  Rates apply to new or used vehicles.  Terms 73 – 84 months apply to new vehicles only.  Sample payment based on a 24 month Auto Loan at 4.50% APR* is $43.65 per $1,000 and includes all discounts available.
2. Thanku Discounts:  This offer applies to Fixed Rate Auto Loans, Boat/RV Loans, Outdoor Activity Loans, Home Improvement Loans, Personal Unsecured Loans and are published with the highest possible rate.  This program does not apply to variable rate offerings or any other loan type not listed above.  Thanku discounts may be used individually or combined to discount rates up to 2.00% off the published rate.  College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of the term of the enrollment.  New member is defined as someone who is not a member of the credit union.  Date of application for the loan must be on or before the date of membership.  Refinance discount only applies when refinancing an auto/truck/motorcycle from another financial institution.  Offer is not valid to refinance existing Saratoga Federal fixed rate loans.  The credit union reserves the right to discontinue promotion at any time.
3. Boat & Recreational Vehicle:  Rates apply to new or used boats/RV. Terms 85 –120 months apply to new Boat/RV loans only.  Sample payment based on a 24 month Boat/RV Loan at 5.50% is $44.10 per $1,000 and includes all discounts available.
4. Outdoor Activity Vehicle:  Rates apply to new or used outdoor activity vehicles. Sample payment based on a 24 month Outdoor Activity Vehicle Loan at 7.00% APR* is $44.78 per $1,000 and includes all discounts available.
5. Personal Unsecured: Sample payment based on a 24 month term at 8.00% APR* is $45.24 per $1,000 and includes all discounts available.  Minimum loan amount is $500.  Maximum loan amount is $20,000.
6. Home Improvement:  Sample payment based on a 36 month Home Improvement Loan at 6.25% Annual Percentage Rate is $30.54 per $1,000 and includes all discounts available.  Minimum loan amount is $500.  Maximum loan amount is $15,000.
7. Variable Rate/Fixed Payment Loans:  APR* for Variable Rate/Fixed Payment loans, which may vary, is indexed to the highest Prime Rate in the Wall Street Journal on the last day of each month, plus the rate margin indicated above. Your payment is set at time of application and will not change; instead, the term may be shortened or lengthened. Conversion to a fixed rate option is available at any time during the life of the loan. Currently, the initial annual percentage rate (APR) is "discounted" as stated above and will be in effect for the first 6 months of the loan term. After the first 6 months of the loan term the rate will reflect Prime Rate PLUS the margin for the respective loan type.  As of 10/31/2025, the highest Prime Rate was 7.00%. All rates disclosed above are done so using the APR (Annual Percentage Rate), and are disclosed with the lowest rate available to our members.  Credit union may discontinue promotion at any time.
8. Auto, Truck, Motorcycle (Variable Rate/Fixed Payment):  Rates apply to new or used vehicles.  Terms 73-84 months apply to new vehicles only.
9. Boat & Recreational Vehicle (Variable Rate/Fixed Payment):   Rates apply to new or used boats/RV. Terms 85-120 months apply to new Boats/RVs only.
10. 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.
11. 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 10/31/2025 the Prime Rate was 7.00% APR (Annual Percentage Rate). The rate will be adjusted to the highest Prime Rate as published in the Wall Street Journal on the last day of every month plus the margin.
12. Savings Secured Line of Credit: Minimum limit is $500.  Maximum limit is $75,000.
13. 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 11/30/2025 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.
14. Teacher Assistance Loan: 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). Sample payment based on a 9 month term at 0.00% APR* is $55.56 per $500.
15. Limits available from $500 up to certificate balance.
16. Tuition Loan:  $5,000 per school year, $15,000 maximum aggregate.  Funds can be used for tuition at organizations including daycare, private schools, trade schools, community colleges, universities and more.
17. Home Equity Line of Credit:  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. Currently, the initial annual percentage rate (APR) is "discounted" as stated above and will be in effect for the first 12 months of the loan term. After the first 12 months of the loan term the rate will reflect Prime Rate + 1.00%. As of 10/31/2025, the Prime Rate was 7.00% APR (Annual Percentage Rate). The rate will be adjusted to the highest Prime Rate as published in the Wall Street Journal on the last day of every month plus the margin. Sample payment per $1,000, based on a 20 year Home Equity Line of Credit at 5.50% APR* is $6.89.
18. Sample payment per $1,000, based on a 5 year Home Equity Loan at 6.99% APR* and 80% Loan to Value (CLTV) is $19.80.
19. 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.
20. 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.

• Maximum of unsecured credit per member is $35,000.00.

Additional Disclosures

• Refer to our Home Equity Early Disclosure provided at time of application for complete details.
• Lifetime Cap: The maximum Annual Percentage Rate that can apply is 18.00% or the maximum permitted by law, whichever is less.
• Interest Rate Change: The interest rate is subject to change monthly and is based on the Index plus a margin.
• Index: The Index is the highest Prime Rate as published in the Wall Street Journal on the last day of every month.
• Margin: The margin is the percent added to the Index to determine the current Annual Percentage Rate (APR).
• Only properties located in the following counties will be considered:  Albany, Essex, Fulton, Hamilton, Montgomery, Rensselaer, Saratoga, Schenectady, Warren and Washington.
• Credit union reserves the right to discontinue promotions at any time.
• Must be credit qualified.  Minimum credit score of 600 on most loans.  Home equity & home improvement loans with an LTV above 80% may require a credit score of at least 660.
• All rates disclosed above are done so using the APR (Annual Percentage Rate).
• All rates are subject to change without notice.