When thinking about purchasing or refinancing a home, you want to know you’re in good hands. While everything else is getting smarter, so should your home loan!  We’ve designed smarter mortgages that help preserve more of your savings. 

A Different Approach to Mortgages

$400 Off Closing Costs
Down Payments As Low as 5%
Fast Closings
Felxible Options
Neighborly Advice

Keep your money, we insist!
Get a smarter mortgage for your smarter home.




Mortgage Programs

The credit union offers a full suite of mortgage programs.  We look forward to helping with all your mortgage needs.

Other Featured Products


Meet our Mortgage Team

Lisa McCoy

Vice President, Branch Operations
518.583.2323 x123
NMLS# 1454285 

Paige Carlquist

Branch Manager
518.583.2323 x122
NMLS# 1802733



Real Estate Agents


When you partner with us, we meet you on a level playing field and open a world of possibility.

We would love to connect whether on the phone or over a cup of coffee to discuss how we can work together. Plus, take advantage of our FREE programs to help you and your client feel confident with all aspects of the buying and selling process.

  • Seminars for you and your clients
  • Office visits with custom presentations, plus breakfast!
  • Open house visits

Read More



When it's important to you, it's personal to us.


   Ready for a consult?
We can't wait to meet you!
23 Division Street, Saratoga Springs, NY 12866
444 Geyser Road, Ballston Spa, NY 12020

Know what you need?
Apply online!

Speak directly to staff!



Limited time promotion available to credit qualifying borrowers. Minimum loan amount of $100,000. Property must be owner occupied. Private Mortgage Insurance may be waived for loans up to 95% CLTV (Combined Loan to Value) and points of up to 2.50% will apply for loans over 80% CLTV. Tax escrow may be required. The credit union will provide $400 off closing costs for first mortgage loan applications submitted through this offer, does not apply to government loans or cimple mortgage refinance products. This offer must be presented at time of application. Cannot be combined with any other promotion. Geographical Requirements: Albany, Essex, Fulton, Hamilton, Montgomery, Rensselaer, Saratoga, Schenectady, Warren and Washington. No PMI mortgage promotional product expires December 31, 2022. Credit union reserves the right to discontinue promotion at any time. 




About Saratoga's Credit Union

Saratoga’s Community Federal Credit Union is a full service financial institution founded in 1945 by a group of educators in the Saratoga Springs Public School System. Since that time the credit union has grown to service the financial needs of the communities within Saratoga County offering a wide range of services from student loans, mortgages, and auto financing to savings and retirement options. Saratoga’s Community FCU is committed to integrity, innovation, and individualization, providing fair and honest products for all individuals.