Take your summer vacation to the next level with a new boat, your family will thank you for it! Already living the dream? Refinance today!





  • No Payments January and February
  • 60 Days to Your First Payment
  • All Credit Scores Receive the Promotional Rate
  • Refinances & Purchases
  • New and Used Boats
  • All Model Years
  • Terms Up to 24 Months at 1.99% APR*
  • Terms Up to 48 Months at 3.50% APR*
  • Terms Up to 72 Months at 4.50% APR*
  • Terms Up to 120 Months at 5.50% APR*



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Find out how much you can afford with our online payment calculator. Search by either your desired monthly payment or the purchase price. Calculator...


Debt Protection
With a credit union Boat or RV loan you have peace of mind knowing that your loan balance or payments are protected from the unexpected. Our Boat & RV loans include an optional protection that can cancel your loan balance or payments during difficult times of disability, unemployment or death. With a protected loan from the credit union, your family can worry a little less about tomorrow. Learn more...



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



Ready for a consult?
We can't wait to meet you!

Saratoga Springs Branch
23 Division Street, Saratoga Springs, NY 12866
Monday – Friday:  9:00am to 5:00pm; Saturday:  Closed

Ballston Spa Branch
444 Geyser Road, Ballston Spa, NY 12020
Monday – Friday:  9:00am to 5:00pm; Saturday:  9:00am to 1:00pm

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*Annual Percentage Rate
Promotional rate expires 9/30/2021. Offer is not valid to refinance existing Saratoga’s Credit Union fixed rate loans. Sample payment of a 10 months per year payment option per $1,000, based on a 24 month Boat/RV Loan at 1.99% APR* is $50.96 per $1,000. Credit Union may discontinue this promotion at any time. Credit qualified borrowers. Minimum credit score of 600. Additional rates and terms available. Membership eligibility: Must live, work, worship or attend school in Saratoga County.