Auto Loan Sale - Refinance Today!

Limited Time Grand Opening Special!

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




  • All Model Years
  • All Credit Scores
  • New & Used Vehicles
  • Refinances & Purchases
  • No Payments for up to 60 Days
  • Includes All Autos, Trucks and Motorcycles
  • Terms up to 24 months at 0.99% APR*
  • Terms up to 72 months at 1.99% APR*
  • Terms up to 84 months at 2.99% APR* (new cars only)



Apply Today





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 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...


Rewards Program
We strive to give our members the very best, which is why we reward a bonus of 2,500 points for booking or refinancing an auto loan with us. Rewards can be redeemed for cash back, gift cards, travel, merchandise and more. Plus, they can be used to help lower your loan rate! 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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*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 per $1,000, based on a 60 month Auto Loan at 1.99% APR* is $17.53 per $1,000. Credit Union may discontinue this promotion at any time. Credit qualified borrowers. Additional rates and terms available.