We're Here for You!

We look forward to welcoming you to Saratoga Federal and know you will love banking here.  With over 60 area banking locations, 30,000+ nationwide ATMsunlimited access at Price Chopper/Market 32 customer service ATMs in Saratoga, Warren and Washington Counties and discounted access at all Stewart's Shops ATMs, we are the Captial Region's most accessible bank.

Banks and credit unions can all feel the same, it's our service that sets us apart.  Plus, we offer the same loan rates to all credit scores to ensure everyone gets the best deal.  You won't find that anywhere else.

Getting Started is Easy

Open an account online with as little as $5.00!


Checking Options


A Different Approach to Digital Banking 

No Monthly Maintenance Fee Options
eCash - Never Overdraft Again
thanku Loyalty Discounts
10+ Price Chopper/Market 32 ATMs
30,000+ CO-OP ATMs
300+ Stewart's Shops ATMs
5600+ CO-OP Shared Branches

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thanku Loyalty Rewards

Helping you pay less, that's our way of saying thanku.

Discounts are always changing, check out our current offers!


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Paylock Auto Loans

Same Rate for All Credit Scores
All Makes, Models and Years
No Payments for 60 Days
Thanku Disccount for Auto Refinance

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cimple Mortgage Refinance

No PMI.  No Application Fee. 
No Appriasal Fee. No Attoryney Fee. 
No Tax Escrow Required.  No Recording Fee.

No Kidding.

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Come Visit Us in Person
We would love to meet you!


Saratoga Springs Branch 

23 Division Street, Saratoga Springs, NY 12866

Monday - Friday:  9:00AM - 5:00PM
Saturday:  Closed
Sunday:  Closed


Ballston Spa Branch

444 Geyser Road, Ballston Spa, NY 12020

Monday - Friday:  9:00AM - 5:00PM
Saturday:  9:00AM - 1:00PM
Sunday:  Closed


Who We Serve: Eligibility Requirements

  • Persons who live, work, worship, or attend school in Saratoga County, NY;
  • Businesses and other legal entities located in Saratoga County, New York;
  • Spouses of persons who died while within the field of membership of this credit union;
  • Employees of this credit union;
  • Members of their immediate family or household, and organizations of such persons; are eligible to become a member of Saratoga's Community Federal Credit Union.

If you have any questions regarding eligibility requirements contact us at 518.583.2323 and a staff member will assist you in determining your eligibility.