Money Market CHECKING
Balance	Dividend Rate	APY*
$50.00 to $2,499.99	1.094%	1.10%
$2,500.00 to $9,999.99	1.223%	1.23%
$10,000.00 to $24,999.99	1.391%	1.40%
$25,000.00 to $249,999.99	1.588%	1.60%
$250,000 and over	0.000%	0.00%
Dividends earned on average daily balances of $50.00 to $250,000 Maximum balances $250,000.

Certificate Accounts
Term	Dividend Rate / APY*	Member Loyalty Certificate APY⁺ Available for money on deposit as of 1/1/2023
3 Months 90 to 179 days	Dividend Rate 0.05% APY* 0.05%	Dividend Rate 1.17% APY* 1.18%
6 Months 180 to 359 days	Dividend Rate 0.10% APY* 0.10%	Dividend Rate 1.44% APY* 1.45%
12 Months 360 to 719 days	Dividend Rate 0.15% APY* 0.15%	Dividend Rate 1.39% APY* 1.40%
2 Years 720 to 1,079 days	Dividend Rate 0.15% APY* 0.15%	Dividend Rate 1.54% APY* 1.55%
3 Years 1,080 to 1,439 days	Dividend Rate 0.15% APY* 0.15%	Dividend Rate 1.59% APY* 1.60%
4 Years 1,440 to 1,799 days	Dividend Rate 0.15% APY* 0.15%	Dividend Rate 1.59% APY* 1.60%
5 Years 1,800 days	Dividend Rate 0.20% APY* 0.20%	Dividend Rate 1.69% APY* 1.70%
Calculations are based on interest that is accrued daily but paid and compounded monthly through the CD term. Calculations assume 30 days per month and that monthly interest is reinvested in the CD. Actual earnings may vary and may be lower if the account is subject to backup withholdings or if dividends are withdrawn prior to the maturity date of the certificate. $500 minimum deposit on certificates. Rates may change without prior notice. We may impose a penalty if you withdraw any of the principal before the maturity date. The amount of the early withdrawal penalty for your account is 90 days dividends; early withdrawal penalty could reduce earnings on the account. Balances in excess of $250,000 are not insured by NCUSIF

CHECKING Products
	Minimum Balance Requirement	APY*
Basic Checking	none	0.00%
Premier Checking	none	0.05%
High Yield Checking	none	0.05%
Checking accounts earn dividends on average daily balances of $250.00 or more. Fees may reduce earnings.

IRA Savings
	APY*
IRA Shares	0.25%
Dividend on average daily balances of $50.00 or more

IRA Certificate Accounts
Term	APY*
1 Month 30 to 59 days	0.05%
2 Months 60 to 89 days	0.05%
3 Months 90 to 119 days	0.05%
4 Months 120 to 179 days	0.05%
6 Months 180 to 359 days	0.10%
12 Months 360 to 719 days	0.15%
2 Years 720 to 1,079 days	0.15%
3 Years 1,080 to 1,439 days	0.15%
4 Years 1,440 to 1,799 days	0.15%
5 Years 1,800 to 2,159 days	0.20%
6 Years 2,160 to 2,519 days	0.20%
7 Years 2,520 days	0.20%
$500 minimum deposit on certificates. Rates may change without prior notice. We may impose a penalty if you withdraw any of the principal before the maturity date. The amount of the early withdrawal penalty for your account is 90 days dividends. The amount of early withdrawal penalty for the 48 Month, 60 Month, 72 Month and 84 Month IRA Certificate is 180 days dividends. Balances in excess of $250,000 are not insured by NCUSIF. Early withdrawal penalty could reduce the earnings on the account.

SAVINGS Products
	Minimum Balance Requirement	APY*
Savings	$2.50	0.05%
Holiday Club	None
$0.01 to $5,000		0.25%
Above $5,000		0.00%
Includes Sub-Accounts, Student Accounts, Holiday, Special, Escrow, Vacation and Summer Loan Payment Savings. Dividend on average daily balances of $50.00 or more.

Financial Planning & Insurance

Part of ensuring a strong financial picture today and tomorrow lies in protecting the assets you have built and planning out for your future.

Planning for Today, Tomorrow and Beyond

Sterling Manor Financial, LLC
If you are in need of extensive financial planning services that extend beyond the credit union’s product offerings, look to Sterling Manor Financial, LLC. Sterling Manor Financial has been helping credit union members with financial planning and investment services. The organization often provides seminars and presentations to educate and inform members with very deep roots in the Saratoga Springs community. As a credit union member you will receive a complimentary consultation for financial planning, college planning, retirement planning, investment management and more.

Consultation Request Form

Toll-Free: 866.450.5655
Office: 518.583.4040
Fax: 518.583.4624
18 Division Street, Suite 202
Saratoga Springs, NY 12866
SAJ@SterlingManorFinancial.com
www.sterlingmanorfinancial.com/

Protect the Ones You Love

Different life stages mean different responsibilities. As those commitments build, grow and change, make sure to evaluate the insurance coverage you need to protect them. Some aspects of insurance can be complex, but you do not have to be an expert. That’s why we are here to help you with sound information and the tools you need to make the right decisions.

TruStage Insurance
Liberty Mutual

TruStage® Auto & Home Insurance Program

TruStage^® Auto & Home Insurance Program

Designed for credit union members like you, the TruStage® Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your free quote online today or call 1-855-589-2146.

TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC and issued 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 laws and regulations allow. Please consult your policy for specific coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

AUT-2948937.2

Your credit union membership could help you save hundreds of dollars.

Liberty Mutual Discount

Liberty Mutual is offering members a 10% discount on Auto, Life and Homeowners Insurance Services. The credit union’s dedicated representative, Kevin Simon, is available any time to discuss coverages, polices and claims. Just let Kevin know you are a credit union member.

Kevin Simon
14 Corporate Drive
Clifton Park, NY 12065
518.371.2486 x 53654
Fax: 518.371.0414
Email: kevin.simon@libertymutual.com

Website

Securities and Investment Advisory Services are offered solely through Cadaret, Grant & Co., Inc. Member FINRA/SIPC. Sterling Manor Financial, Saratoga’s Community Federal Credit Union, and Cadaret, Grant are separate entities. Securities and other products/services are not federally insured by the NCUA, not obligations of the Credit Union, not guaranteed by the Credit Union, and involve investment risk. Saratoga’s Community Federal Credit Union has contracted with Cadaret, Grant & Co.,Inc. and Sterling Manor Financial to make non-deposit investment products and services available to credit union members.

Financial Planning & Insurance

Planning for Today, Tomorrow and Beyond

Protect the Ones You Love

Liberty Mutual Discount

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