Business Savings & Checking
	Minimum Balance Requirement	APY*
Savings	$2.50	0.05%
Business Checking	none	0.00%
Sub-Accounts	none	0.05%
Dividend on average daily balances of $50.00 or more.

Business Money Market
Balance	APY*
$2,500.00 to $9,999.99	0.05%
$10,000.00 TO $24,999.99	0.05%
$25,000.00 and over	0.05%
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
	STANDARD RATES New Money Not Required		PROMOTIONAL RATES New Money Required
Term	Dividend Rate	APY*	Diviend Rate	APY*
1 Month 30 to 59 days	1.243%	1.25%	1.243%	1.25%
2 Months 60 to 89 days	1.243%	1.25%	1.49%	1.50%
3 Months 90 to 179 days	1.243%	1.25%	1.982%	2.00%
6 Months 180 to 359 days	1.342%	1.35%	2.227%	2.25%
12 Months 360 to 719 days	1.44%	1.45%	2.472%	2.50%
24 Months 720 to 1,079 days	1.539%	1.55%	2.472%	2.50%
36 Months 1,080 to 1,439 days	1.638%	1.65%	2.472%	2.50%
48 Months 1,440 to 1,799 days	1.736%	1.75%	2.472%	2.50%
60 Months 1,800 days	1.835%	1.85%	2.472%	2.50%
$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	Details
Vehicle Loans	Prime + 2.00%	Payment: Variable Term: Up to 72 Months
Equipment Loans	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 10/31/2025, the highest Prime Rate was 7.00%. 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. Maximum Annual Percentage Rate is 18.00%.

Business Lines of Credit
Loan Type	Annual Percentage Rate	Details
Business Ca$hFlow Line of Credit¹	Prime + 11.00%	Payment: Variable Term: Open
Savings Secured Line of Credit	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. Maximum Annual Percentage Rate is 18.00%.

Business Real Estate Loans
Loan Type	Annual Percentage Rate	Details
Business Real Estate	Prime + 2.25%	Payment: Fixed Term: Up to 180 months
Real Property Improvement	Prime + 3.00%	Payment: Variable Term: Up to 180 months
Business Line of Credit Secured by Real Estate	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	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.

thanku loyalty discounts

Annual Percentage Rate (Fixed)

Thanku Loyalty Discounts²

Auto, Truck, Motorcycle¹

24 months	6.500%
25-36 months	7.000%
37-48 months	7.500%
49-60 months	7.750%
61-72 months	8.250%
73-84 months	8.500%

Promotional Discount Available!
Discounts can be used individually or combined together for up to 2.00% off published rates.

680+ Credit Score	-1.00%
Refinance from Another Lender	-1.00%
Active Home Equity	-1.00%
College or Trade School Student	-0.50%
Active Checking or Money Market	-0.50%
New Member Discount	-0.50%
10+ Years of Membership	-0.50%
5+ Years of Membership	-0.25%
Automatic Payment Transfer	-0.25%
Payment Protection	-0.25%

Get Started

Payment Calculator

Boats & Recreational Vehicles³

Up to 120 months

8.000%

Outdoor Activity Vehicles⁴
ATV, UTV, Snowmobile, Personal Watercraft

Up to 60 months

9.000%

Personal Unsecured⁵

Up to 60 months

12.000%

Home Improvement⁶

Up to 36 months	8.25%
37-48 months	8.50%
49-60 months	8.75%
61-72 months	9.00%
73-84 months	10.25%

VARIABLE RATE FIXED PAYMENT LOANS

Enjoy a low variable rate with the security of a fixed payment that will not change. It's our way of helping you get the lowest payment possible so you can afford more of what you need.

	Annual Percentage Rate (Variable Rate/Fixed Payment)⁷
Auto, Truck, Motorcycle Up to 84 months⁸	Introductory APR* First 6 Months 0.99% After Introductory Period Prime + 1.00%
Boat & Recreational Vehicle Up to 120 months⁹	Introductory APR* First 6 Months 4.50% After Introductory Period Prime + 3.00%
Outdoor Activity Vehicle ATV, UTV, Snowmobile, Waverunner & more! Up to 60 months	Introductory APR* First 6 Months 4.50% After Introductory Period Prime + 4.00%
Personal Unsecured Up to 60 months	Introductory APR* First 6 Months 4.50% After Introductory Period Prime + 6.00%

	Annual Percentage Rate
Personal Line of Credit (Overdraft Protection)¹⁰ Term: Revolving	Prime + 6.00%¹¹
Savings Secured Line of Credit¹² Term: Revolving	Share Rate + 1.50%¹³

LOAN RATES

	Annual Percentage Rate
Teacher Assistance Loan¹⁴ Term: Up to 9 months	0.00%
Certificate of Deposit Secured Loan¹⁵ Term: Certificate Term	Certificate Rate + 3.00%
Share Secured Loan Term: Up to 60 months	Share Rate + 1.50%¹³
Tuition Loan¹⁶ Term: Up to 120 months	Prime + 2.00%¹¹
Undergraduate Student Loan Programs	Click for Details
Student Loan Refinance Program Consolidate Existing Student Loans	Click for Details

REAL-ESTATE LOANS

	Annual Percentage Rate
Mortgages Conventional Adjustable Rate (ARM) Federal Housing Administration (FHA) Veteran Affairs (VA) United States Department of Agriculture (USDA) Additional programs also available!	Click for Rates
Home Equity Line of Credit Term: Up to 20 years Draw Period: 10 years (included in repayment) Loan to Value (LTV): 80%	Introductory Period First 12 Months 5.50% After Introductory Period Prime + 1.00%¹⁷
Term: Up to 20 years Draw Period: 10 years (included in repayment) Loan to Value (LTV): 100%	Prime + 2.50%¹¹
Home Equity Loan Term: Up to 15 years Loan to Value (LTV): 80%	6.99%¹⁸
Term: Up to 20 years Loan to Value (LTV): 100%	9.75%¹⁹
Home Improvement Up to 20 years Loan to Value (LTV): 133%	11.00%²⁰

Money Market CHECKING
Balance	Dividend Rate	APY*
$50.00 to $2,499.99	0.100%	0.100%
$2,500.00 to $9,999.99	0.230%	0.230%
$10,000.00 to $24,999.99	0.399%	0.400%
$25,000.00 to $249,999.99	0.797%	0.800%
$250,000 and over	0.000%	0.00%
Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000.

SHARE CERTIFICATES

	STANDARD RATES New Money Not Required		PROMOTIONAL RATES New Money Required
Term	Dividend Rate	APY*	Dividend Rate	APY*
30 Day	1.243%	1.25%	1.243%	1.25%
60 Day	1.243%	1.25%	1.490%	1.50%
3 Month	1.243%	1.25%	1.982%	2.00%
6 Month	1.342%	1.35%	2.227%	2.25%
12 Month	1.440%	1.45%	2.472%	2.50%
24 Month	1.539%	1.55%	2.472%	2.50%
36 Month	1.638%	1.65%	2.472%	2.50%
48 Month	1.736%	1.75%	2.472%	2.50%
60 Month	1.835%	1.85%	2.472%	2.50%

Calculations are based on interest that is accrued daily but paid and compounded monthly through the CD term. Calculations assume 30 days per month and that monthly interest is reinvested in the CD. Actual earnings may vary and may be lower if the account is subject to backup withholdings or if dividends are withdrawn prior to the maturity date of the certificate. $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. For 30 to 60 days Certificate accounts, the amount of the early withdrawal penalty is 30 days dividends. For all other certificate accounts, 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%
Premier Checking	none	0.05%
High Yield Checking	none	0.05%
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	Dividend Rate	APY*
1 Month 30 to 59 days	1.243%	1.25%
2 Months 60 to 89 days	1.243%	1.25%
3 Months 90 to 119 days	1.243%	1.25%
6 Months 180 to 359 days	1.342%	1.35%
12 Months 360 to 719 days	1.44%	1.45%
24 Months 720 to 1,079 days	1.539%	1.55%
36 Months 1,080 to 1,439 days	1.638%	1.65%
48 Months 1,440 to 1,799 days	1.736%	1.75%
60 Months 1,800 to 2,159 days	1.835%	1.85%
$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. For 30 to 60 days Certificate accounts, the amount of the early withdrawal penalty is 30 days dividends. For all other certificate accounts, 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.

SAVINGS Products
	Minimum Balance Requirement	APY*
Savings	$2.50	0.05%
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.

thanku Member Loyalty

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

Offering loan discounts to our new & loyal members. The more services you have with the credit union, the bigger the discount for your borrowing needs, up to 2.00% off. Whether you are brand new to the credit union or a long-term member, these discounts are for you. Enjoy the perks of member loyalty.

Discounts available on the following fixed rate loan programs:

AUTO/TRUCK/MOTORCYCLE | BOAT/RV | OUTDOOR ACTIVITY VEHICLES | PERSONAL LOANS | HOME IMPROVEMENT

1.00%

680+ Credit Score

1.00%

Refinance from Another Lender
Auto/Truck/Motorcycles Only

1.00%

Active Home Equity

0.50%

College or Trade School Student

0.50%

Active Checking or Money Market

0.50%

New Member Discount - or -
10+ Years of Membership

0.25%

5+ Years of Membership

0.25%

Automatic Payment Transfer

0.25%

Payment Protection

Apply

Rates

This offer applies to Fixed Rate Auto Loans, Boat/RV Loans, Outdoor Activity Loans, Home Improvement Loans, Personal Unsecured Loans. This program does not apply to variable rate offerings or any other loan type not listed above. Thanku discounts may be used individually or combined to discount rates up to 2.00% off the published rates. The credit union reserves the right to discontinue promotion at any time. Must be credit qualified. Minimum credit score of 600. Please visit saratogafcu.org/rates/loans for applicable loan programs, terms and details. College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of the term of the enrollment. New member is defined as someone who is not yet a member of the credit union. Date of application for the loan must be on or before the date of membership. Refinance discount only applies when refinancing an auto/truck/motorcycle from another financial institution.

thanku Member Loyalty

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

1.00%

1.00%

1.00%

0.50%

0.50%

0.50%

0.25%

0.25%

0.25%

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