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%	2.96%	3.00%
6 Months 180 to 359 days	1.342%	1.35%	3.203%	3.25%
12 Months 360 to 719 days	1.44%	1.45%	3.445%	3.50%
24 Months 720 to 1,079 days	1.539%	1.55%	3.445%	3.50%
36 Months 1,080 to 1,439 days	1.638%	1.65%	3.445%	3.50%
48 Months 1,440 to 1,799 days	1.736%	1.75%	3.445%	3.50%
60 Months 1,800 days	1.835%	1.85%	3.445%	3.50%
$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 1/01/2025, the highest Prime Rate was 7.50%. 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.

Auto, Truck & Motorcycle

Loan Term In Months

Annual Percentage Rate

Thanku Loyalty Discounts

To – 24

6.50%

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

25 – 36

7.00%

37 – 48

7.50%

49 – 60

7.75%

61 – 72

8.25%

73 – 84¹

8.50%

POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.

Rates apply to new or used fixed rate loans and are published with the highest possible rate. Member Loyalty Discounts may be used individually or combined to discount rates up to 2.00% off the published rates. Refinance discount only applies when refinancing a vehicle from another financial institution. Offer is not valid to refinance existing Saratoga Federal fixed rate loans. Sample payment based on a 24 month Auto Loan at 4.50% APR* is $43.65 per $1,000 and includes all discounts available. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600. 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 a member of the credit union. Date of application for the loan must be on or before the date of membership.

¹84 month term applies to new autos only.


Loan Term In Months	Paylock Loan Variable Rate/Fixed Payment**
To – 24	*Introductory APR First 6 Months 0.99% After Introductory Period** Prime + 1.00%
25 – 36
37 – 48
49 – 60
61 – 72
73 – 84¹
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. *Annual Percentage Rate Members with a variable rate/fixed payment loan are eligible to convert to a fixed rate option at any time during the life of the loan. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600. Credit union may discontinue promotion at any time. ¹84 month term applies to new autos only.

Boat and RV

Loan Term In Months

Annual Percentage Rate

Thanku Loyalty Discounts

To – 24

7.50%

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

680+ Credit Score	-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

25 – 36

7.50%

37 – 48

7.50%

49 – 60

7.75%

61 – 72

8.00%

73 – 84

9.00%

85 – 120⁺

9.50%

POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.

Rates apply to new or used fixed rate loans and are published with the highest possible rate. Member Loyalty Discounts may be used individually or combined to discount rates up to 2.00% off the published rates. Sample payment based on a 24 month Boat/RV Loan at 5.50% is $44.10 per $1,000 and includes all discounts available. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600. 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 a member of the credit union. Date of application for the loan must be on or before the date of membership.

⁺120 month term applies to new boats/RVs only.

Loan Term In Months	Variable Rate Fixed Payment**
To – 24	*Introductory APR First 6 Months 4.50% After Introductory Period** Prime + 3.00%
25 – 36
37 – 48
49 – 60
61 – 72
73 – 84
85 – 120
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. *Annual Percentage Rate Members with a variable rate/fixed payment loan are eligible to convert to a fixed rate option at any time during the life of the loan. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.

Outdoor Activity

Loan Term In Months

Annual Percentage Rate

Thanku Member Loyalty Discounts

To – 24

9.00%

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

680+ Credit Score	-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

25 – 36

9.00%

37 – 48

9.25%

49 – 60

9.50%

Rates apply to new or used fixed rate loans and are published with the highest possible rate. Member Loyalty Discounts may be used individually or combined to discount rates up to 2.00% off the published rates. Sample payment based on a 24 month Outdoor Activity Vehicle Loan at 7.00% APR* is $44.78 per $1,000 and includes all discounts available. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600. 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 a member of the credit union. Date of application for the loan must be on or before the date of membership.

Loan Term In Months	Variable Rate Fixed Payment**
To – 24	*Introductory APR First 6 Months 4.50% After Introductory Period** Prime + 4.00%
25 – 36
37 – 48
49 – 60
*Annual Percentage Rate Members with a variable rate/fixed payment loan are eligible to convert to a fixed rate option at any time during the life of the loan. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.

Loan Term In Months

Fixed Rate APR*

To – 24

10.00%

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

680+ Credit Score	-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

25 – 36

13.00%

37 – 48

14.00%

49 – 60

14.00%

POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.

Rates are published with the highest possible rate. Member Loyalty Discounts may be used individually or combined to discount rates up to 2.00% off the published rates. Sample payment based on a 24 month term at 8.00% APR* is $45.24 per $1,000 and includes all discounts available. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600. 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 a member of the credit union. Date of application for the loan must be on or before the date of membership.

Minimum Loan $500 | Maximum Loan $20,000

Loan Term In Months	Variable Rate Fixed Payment**
To – 24	Introductory First 6 Months 4.50% After Introductory Period Prime + 6.00%
25 – 36
37 – 48
49 – 60
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. Minimum Loan $500 \| Maximum Loan $20,000.00 The credit union reserves the right to discontinue promotion at anytime.

STUDENT & EDUCATIONAL LoanS
	Annual Percentage Rate***
Undergraduate Student Loan Programs	Click for Details
Student Loan Refinance Program Consolidate Existing Student Loans	Click for Details
Tuition Loan Daycare, Private Schools, Trade Schools, 2 or 4 Year College/University $5,000 per school year, $15,000 maximum aggregate, 120 month term	Prime + 2.00%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.

ECASH (Overdraft Protection)
	Annual Percentage Rate***
Revolving	Prime + 6.00%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. Monthly payment is 2.00% of total outstanding balance or $25.00, whichever is greater. Overdraft is protection for your Checking Account. Limits of $250 to $20,000 Available

Savings Secured Loan
	Annual Percentage Rate
Up to 60 Months	Share Rate + 1.50%
NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT. Minimum monthly payment $35.00 Sample payment based on a 60 month term at 1.55% APR* is $17.34 per $1,000.

Savings Secured Line of Credit
	Annual Percentage Rate
Revolving	Share Rate + 1.50%
NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT. Minimum Limit $500 \| Maximum Limit $75,000.00 Variable Rate: This plan has a variable rate feature and the annual percentage rate (corresponding to the periodic rate) and the minimum payment may change as a result. The annual percentage rate can change monthly and is based on the index plus a margin. As of 12/31/2022 the Share Rate was 0.05% APR (Annual Percentage Rate). The rate will be adjusted on the last day of every month plus the margin.

Certificate of Deposit Secured Loan
Term	Annual Percentage Rate
Certificate Term	Certificate Rate + 3.00%
NO MINIMUM CREDIT SCORE, NO EMPLOYMENT VERIFICATION, NO INCOME REQUIREMENT. Limits available from $500 up to certificate balance.

Home Equity Line of Credit
Term	Maximum Amount	Annual Percentage Rate
Term: Up to 20 Years Draw Period: 10 Years (included in repayment term)	80% Loan to Value (CLTV)	Introductory Period First 12 Months 5.50% After Introductory Period Prime + 1.00% POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 600.
Term: Up to 20 Years Draw Period: 10 Years (included in repayment term)	100% Loan to Value (CLTV)	Prime + 2.50% POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
Not to exceed $250,000.00 The credit union reserves the right to discontinue promotion at anytime. Variable Rate: This plan has a variable rate feature and the annual percentage rate (corresponding to the periodic rate) and the minimum payment may change as a result. The annual percentage rate can change monthly and is based on the index plus a margin.

Home Equity Loan
Term	Fixed Annual Percentage Rate	Maximum Amount
Up to 5 Years (Up to 60 Months)	6.99%	80% Loan to Value (CLTV) POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 600.
5 to 10 Years (61 to 120 Months)	6.99%
10 to 15 Years (121 to 180 Months)	6.99%
Up to 20 years (Up to 240 Months)	9.75%	100% Loan to Value (CLTV) POSTED RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.
Not to exceed $250,000.00 Sample payment per $1,000, based on a 5 year Home Equity Loan at 6.99% APR* and 80% Loan to Value (CLTV) is $19.80. Sample payment per $1,000, based on a 20 year Home Equity Loan at 9.75% APR* and 100% Loan to Value (CLTV) is $9.49.

Home Improvement

Loan Term in Months

Annual Percentage Rate

Thanku Loyalty Discounts

To - 36

8.25%

Promotional Discount Available!

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

680+ Credit Score	-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%

37 - 48

8.50%

49 - 60

8.75%

61 - 72

9.00%

73 - 84

10.25%

POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600.

Rates are published with the highest possible rate. Member Loyalty Discounts may be used individually or combined to discount rates up to 2.00% off the published rates. Sample payment based on a 36 month Home Improvement Loan at 6.25% Annual Percentage Rate is $30.54 per $1,000 and includes all discounts available. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600. 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 a member of the credit union. Date of application for the loan must be on or before the date of membership.

Minimum Loan $1,000.00
Maximum Loan $15,000

Loan Term in Months	Maximum Amount	Annual Percentage Rate
Up to 20 Years	133% Loan to Value (CLTV)	11.00%
RATE APPLIES TO ALL CREDIT SCORES ABOVE 660. Sample payment per $1,000, based on a 20 year Home Improvement Loan at 11.00% APR* and 133% Loan to Value (CLTV) is $10.33 per $1,000. Must be credit qualified.

Loan Term in Months

Maximum Amount

Annual Percentage Rate

Up to 20 Years

133% Loan to Value (CLTV)

11.00%

RATE APPLIES TO ALL CREDIT SCORES ABOVE 660.

Sample payment per $1,000, based on a 20 year Home Improvement Loan at 11.00% APR* and 133% Loan to Value (CLTV) is $10.33 per $1,000. Must be credit qualified.

Mortgage
	Annual Percentage Rate
Mortgage Programs Conventional Mortgages Adjustable Rate Mortgages (ARM) Federal Housing Administration (FHA) Veteran Affairs (VA) United States Department of Agriculture (USDA)	Rates Calculator Receive a Personalized Quote Today!

Teacher ASSISTANCE LOAN
Loan Term In Months	Fixed Rate APR*
9 Months	0.00%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. Qualifications Available to all New York State Certified Teachers who are currently employed as an educator in New York State. Proof of employment required. Through this program members will have a 9 month term to repay the loan with 0.00% Annual Percentage Rate (APR). Sample payment based on a 9 month term at 0.00% APR* is $55.56 per $500.

Money Market CHECKING
Balance	Dividend Rate	APY*
$50.00 to $2,499.99	0.598%	0.60%
$2,500.00 to $9,999.99	0.728%	0.73%
$10,000.00 to $24,999.99	0.896%	0.90%
$25,000.00 to $249,999.99	1.292%	1.30%
$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%	2.960%	3.00%
6 Month	1.342%	1.35%	3.203%	3.25%
12 Month	1.440%	1.45%	3.445%	3.50%
24 Month	1.539%	1.55%	3.445%	3.50%
36 Month	1.638%	1.65%	3.445%	3.50%
48 Month	1.736%	1.75%	3.445%	3.50%
60 Month	1.835%	1.85%	3.445%	3.50%

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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