Home Improvement Sale

Enjoy your home to its fullest. Whether you need a home office, want to update your backyard with a pool or need to renovate your kitchen or bath, we're here to help! Plus, we offer on the spot approvals with no appraisal and no closing costs!


Limited Time Grand Opening Special!

In honor of our grand opening for our Ballston Spa Branch, we are offering a limited special on our Home Improvement Loans.




  • Quick Turn Around - as little as 24 Hours
  • On the Spot Approval
  • Borrow Up to $8,000 with No Appraisal Required
  • No Application Fee | No Closing Costs
  • No Payments for Up to 60 Days
  • Terms Up to 84 Months at 4.99% APR*



Apply Today





VISA® Platinum Credit Card
Our VISA® Credit Card offers extra flexability while making home improvements. Earn points on every purchase and redeem rewards for cash back, gift cards, merchandise and more! See the rewards you can earn...

Not a rewards member? Sign up today by becoming a cardholder, or give us a call at 518.583.2323, we'll be happy to help!
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Open a VISA® Platinum Credit Card...


Debt Protection
With a credit union auto loan you have peace of mind knowing that your loan balance or payments are protected from the unexpected. Our auto 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...



*Annual Percentage Rate
Promotional rate expires 9/30/2021. Offer is not valid to refinance existing Saratoga’s Credit Union fixed rate loans. Minimum Loan $1,000.00. Sample payment per $1,000, based on a 72 month Home Improvement Loan at 4.99% APR* is $16.11 per $1,000. The credit union may discontinue this promotion at any time. Must be credit qualified.