Saratoga's Community Federal Credit Union

Business Savings & Checking
	Minimum Balance Requirement	APY*
Savings	$2.50	0.10%
Business Checking	none	0.00%
Sub-Accounts	none	0.10%
Dividend on average daily balances of $50.00 or more.

Business Money Market
Balance	APY*
$2,500.00 to $9,999.99	0.10%
$10,000.00 TO $24,999.99	0.10%
$25,000.00 and over	0.10%
Dividend on average daily balances of $2,500.00 or more 3 free withdrawals per month, $5 fee for each withdrawal after 3

Business Certificates Accounts
Term	APY*
3 Months 90 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 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; early withdrawal penalty could reduce earnings on the account. Balances in excess of $250,000 are not insured by NCUSIF.

Vehicle & Equipment Loans
Loan Type	Annual Percentage Rate (APR)	Details
Vehicle Loans	6.75% Index + Margin: Prime + 2.00%	Payment: Variable Term: Up to 72 Months
Equipment Loans	9.75% Index + Margin: Prime + 5.00%	Payment: Variable Term: Up to 72 Months
Multi-Purpose Lending For Owner Operated Businesses	Request a Quote	Financing offered through a relationship with Newtek Small Business Finance, Inc.
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. As of 10/31/2019, the highest Prime Rate was 4.75%. All rates disclosed above are done so using the APR (Annual Percentage Rate). All loans will be written at the above rate plus a 1% origination fee.

Business Lines of Credit
Loan Type	Annual Percentage Rate (APR)	Details
Business Ca$hFlow Line of Credit¹	15.75% Index + Margin: Prime + 11.00%	Payment: Variable Term: Open
Business VISA^® Credit Card & Secured Business VISA^® Credit Card	10.75% Index + Margin: Prime + 6.00%	Payment: Variable Term: Open Rates & Terms
Savings Secured Line of Credit	5.75% Index + Margin: Prime + 1.00%	Payment: Variable Term: Open
¹Monthly payment is 2.00% of total outstanding balance or $25.00, whichever is greater. $25.00 monthly fee does apply. Overdraft is protection for your Business checking account.

Business Real Estate Loans
Loan Type	Annual Percentage Rate (APR)	Details
Business Real Estate	7.00% Index + Margin: Prime + 2.25%	Payment: Fixed Term: Up to 180 months
Real Property Improvement	7.75% Index + Margin: Prime + 3.00%	Payment: Variable Term: Up to 180 months
Business Line of Credit Secured by Real Estate	8.00% Index + Margin: Prime + 3.25%	Payment: Variable Term: Up to 180 months Draw Period 10 Years (included in repayment term)
1 to 4 Family, Investor, Non-Owner Occupied Mortgage	Personalized Quote	Term: Up to 15 year term with 30 year amortization
Owner Occupied Real Estate	Request a Quote	Financing offered through a relationship with Newtek Small Business Finance, Inc.
Investment Property Financing	Request a Quote	Financing offered through a relationship with First New York Federal Credit Union.
Commercial Real Estate Loans	Request a Quote	Financing offered through a relationship with First New York Federal Credit Union.

Small Business Authority (SBA) Loans
Loan Type	Annual Percentage Rate (APR)	Details
SBA 7(a) Loan Program	Request a Quote	Financing offered through a relationship with Newtek Small Business Finance, Inc.
SBA CDC/504 Loan Program	Request a Quote	Financing offered through a relationship with Newtek Small Business Finance, Inc.

VISA^®
	Index + Margin	APR*
Business Visa^®	Prime + 6.00%	10.75%
Limits available from $500 to $15,000. Business Visa® monthly payments will be 2.00% of the total new balance, or $25.00, whichever is greater plus outstanding unpaid fees and charges, all prior unpaid payments and any mount that exceeds your credit limit.

Disclosure Information	Business Visa^®
Annual Percentage Rate for Purchases	11.25%
Cash Advance	11.25%
Balance Transfer	11.25%
Grace Period for Purchases	25 Days
Method of Computing the Balance for Purchases	Average Daily Balance (Including New Purchase)
Annual Fee	None
Minimum Finance Charge	None
Transaction Fee for Purchases	None
Foreign Transaction Fee	2% of transaction amount
Balance Transfer Fee	None
Late Payment Fee	$10.00
Over-the-Credit Limit Fee	None

VISA^®
	Index + Margin	APR*
Business Visa^®	Prime + 6.00%	10.75%
Limits available from $500 to $15,000. Business Visa® monthly payments will be 2.00% of the total new balance, or $25.00, whichever is greater plus outstanding unpaid fees and charges, all prior unpaid payments and any mount that exceeds your credit limit.

Disclosure Information	Business Visa^®
Annual Percentage Rate for Purchases	11.25%
Cash Advance	11.25%
Balance Transfer	11.25%
Grace Period for Purchases	25 Days
Method of Computing the Balance for Purchases	Average Daily Balance (Including New Purchase)
Annual Fee	None
Minimum Finance Charge	None
Transaction Fee for Purchases	None
Foreign Transaction Fee	2% of transaction amount
Balance Transfer Fee	None
Late Payment Fee	$10.00
Over-the-Credit Limit Fee	None

Auto, Truck & Motorcycle - limited time special
Loan Term In Months	Promotional Loyalty Fixed Rate APR*	Variable Rate Fixed Payment**
To – 24	~~3.50%~~ 0.75%	Introductory First 6 Months 0.99% After Introductory Period Prime + 1.00%
25 – 36	~~5.00%~~ 2.25%
37 – 48	~~5.50%~~ 2.75%
49 – 60	~~5.75%~~ 3.00%
61 – 72	~~6.25%~~ 3.50%
73 – 84¹	~~6.50%~~ 3.75%
Promotional Rates Reflect 2.75% Member Loyalty Discount Rates apply to new or used and include discounts for Automatic Payment Transfer (0.25%), 5+ Years of Membership (0.25%), Incite Rewards Redemption (0.25%), Vantage Credit Score 680+ (2.00%). Discount applies to fixed rate loans only. Limited time promotion, expires December 31, 2020. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. 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 and are eligible for this promotion. Offer is not valid to refinance existing Saratoga’s Credit Union fixed rate loans. ¹84 month term applies to new autos only.

Boat and RV
Loan Term In Months	Fixed Rate APR*	Variable Rate Fixed Payment**
To – 24	6.50%	Introductory First 6 Months 4.50% After Introductory Period Prime + 3.00%
25 – 36	6.50%
37 – 48	6.50%
49 – 60	6.75%
61 – 72	7.00%
73 – 84	8.00%
85 – 120	8.50%
Rates Reflect 0.75% Member Loyalty Discount Rates apply to new or used and include discounts for Automatic Payment Transfer (0.25%), 5+ Years of Membership (0.25%) and incite Rewards redemption (0.25%). Discount applies to fixed rate loans only.

Outdoor Activity
Loan Term In Months	Fixed Rate APR*	Variable Rate Fixed Payment**
To – 24	7.25%	Introductory First 6 Months 4.50% After Introductory Period Prime + 4.00%
25 – 36	7.25%
37 – 48	7.50%
49 – 60	7.75%
Rates Reflect 0.75% Member Loyalty Discount Rates apply to new or used and include discounts for Automatic Payment Transfer (0.25%), 5+ Years of Membership (0.25%) and incite Rewards redemption (0.25%). Discount applies to fixed rate loans only.

Personal Unsecured
Loan Term In Months	Fixed Rate APR*	Variable Rate Fixed Payment**
To – 24	8.25%	Introductory First 6 Months 4.50% After Introductory Period Prime + 6.00%
25 – 36	12.25%
37 – 48	13.25%
49 – 60	13.25%
Rates Reflect 0.75% Member Loyalty Discount Rates include discounts for Automatic Payment Transfer (0.25%), 5+ Years of Membership (0.25%) and incite Rewards Redemption (0.25%). Minimum Loan $500 \| Maximum Loan $15,000.00

STUDENT & EDUCATIONAL LoanS
	Index/Margin***	APR*
Undergraduate Student Loan Programs	Click for Details
Student Loan Refinance Program Consolidate Existing Student Loans	Click for Details
CU Educational Loan Daycare, Private Schools, Trade Schools, 2 or 4 Year College/University $5,000 per school year, $15,000 maximum aggregate, 120 month term, 1% Origination Fee.	Prime + 2.00%	6.75%

CA$HFlow Credit (Overdraft Protection)
	Index/Margin***	APR*
Revolving	Prime + 10.00%	14.75%
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 $15,000 Available

Savings Secured Loan
	Annual Percentage Rate
Up to 60 Months	4.25%
Minimum monthly payment $35.00

Savings Secured Line of Credit
	APR*
Revolving	9.90%
Monthly Payment are calculated by costs per $100 of amount financed:
$0.01 - $4000.00	$3.50
$4000.01 - $6000.00	$3.00
$6000.01 - $8000.00	$2.50
$8000.01 and over	$2.40
Minimum Limit - $500 \| Maximum Limit - $25,000.00

Certificate of Deposit Secured Loan
Term	Annual Percentage Rate
Up to 36 Months	Certificate Rate + 3.00%
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)	80% Loan to Value (CLTV)	Introductory First 12 Months 3.50% After Introductory Period Prime + 1.00%
Term: Up to 20 Years Draw Period: 10 Years (included in repayment term)	100% Loan to Value (CLTV)	Prime + 2.50%
Not to exceed $250,000.00 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.

Home Equity Loan
Term	Maximum Amount	Fixed APR*
Up to 15 years	80% Loan to Value (CLTV)	3.99%
Up to 20 years	100% Loan to Value (CLTV)	7.25% Prime Rate + 2.50%
Not to exceed $250,000.00

Home Improvement
Term	Maximum Amount	Annual Percentage Rate
Up to 20 years	133% Loan to Value (CLTV)	10.00%
7 years	$15,000	9.24%
6 years	$15,000	7.99%
5 years	$15,000	7.74%
4 years	$15,000	7.49%
3 years	$15,000	7.24%
Minimum Loan $1,000.00

Purchase Money Second Mortgage
Term	Maximum Amount	Fixed APR*
Up to 30 years	100% Loan to Value (CLTV)	Mortgage Rate + 2.00%

Mortgage
	Annual Percentage Rate
Mortgage Programs	Check Rates

SCHOOL SUPPLY ASSISTANCE LOAN
Loan Term In Months	Fixed Rate APR*
9 Months	0.00%
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).

Money Markets
Balance	APY*
$50.00 to $2,499.99	0.10%
$2,500.00 to $9,999.99	0.10%
$10,000.00 to $24,999.99	0.10%
$25,000.00 and over	0.10%
Dividend on average daily balances of $50.00 or more; 3 free withdrawals per month, a $5.00 fee for each withdrawal after the first 3 per month.

Certificate Accounts
Term	APY*
3 Months 90 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 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; 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%
Interest Checking	none	0.25%
High Yield Checking	none
$250 to $5,000		1.00%
Above $5,000		0.25%
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	0.10%
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.

The card that pays you back.

Start earning cash back on all of your holiday shopping with Saratoga’s Credit Union's VISA® Credit or Debit Card.

School Supply Assistance Program

Life’s big events take focus – and finances

It’s nice to have a place where trust and loyalty are still a two-way street. Where you don’t have to sacrifice friendly faces for modern conveniences.

Give $25, Get $25!

Show your best friend some love by sharing our refer a friend program!

Saratoga's Credit Union 72nd Annual Meeting & Dinner

Join us to celebrate the annual meeting and dinner event held at Fortunes Restaurant at the Saratoga Casino Hotel at 5:30pm on Saturday, April 28, 2018.

Mortgage - Appraisal Fee Coupon

Limited time special, we are offering a special promotion with a value up to $400 to refund the appraisal fee at closing for your home loan.

Home Equity Special Rate Discounts