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
Business VISA^® Credit Card & Secured Business VISA^® Credit Card	Prime + 6.00%	Payment: Variable Term: Open Rates & Terms
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.

VISA^®
	Annual Percentage Rate
Business Visa^®	Prime + 6.00%
Limits available from $500 to $15,000. Business Visa® monthly payments will be 2.00% of the total new balance, or $25.00, whichever is greater plus outstanding unpaid fees and charges, all prior unpaid payments and any mount that exceeds your credit limit.

Disclosure Information	Annual Percentage Rate
Annual Percentage Rate for Purchases	Prime + 6.00%
Cash Advance	Prime + 6.00%
Balance Transfer	Prime + 6.00%
Grace Period for Purchases	25 Days
Method of Computing the Balance for Purchases	Average Daily Balance (Including New Purchase)
Annual Fee	None
Minimum Finance Charge	None
Transaction Fee for Purchases	None
Foreign Transaction Fee	2% of transaction amount
Balance Transfer Fee	1% of transaction amount
Late Payment Fee	$27.00
Over-the-Credit Limit Fee	None

VISA^®
	Annual Percentage Rate
Business Visa^®	Prime + 6.00%
Limits available from $500 to $15,000. Business Visa® monthly payments will be 2.00% of the total new balance, or $25.00, whichever is greater plus outstanding unpaid fees and charges, all prior unpaid payments and any mount that exceeds your credit limit.

Disclosure Information	Annual Percentage Rate
Annual Percentage Rate for Purchases	Prime + 6.00%
Cash Advance	Prime + 6.00%
Balance Transfer	Prime + 6.00%
Grace Period for Purchases	25 Days
Method of Computing the Balance for Purchases	Average Daily Balance (Including New Purchase)
Annual Fee	None
Minimum Finance Charge	None
Transaction Fee for Purchases	None
Foreign Transaction Fee	2% of transaction amount
Balance Transfer Fee	1% of transaction amount
Late Payment Fee	$27.00
Over-the-Credit Limit Fee	None

Auto, Truck & Motorcycle

Loan Term In Months	Vehicle Refinance Promotional Annual Percentage Rate	Vehicle Purchase Promotional Annual Percentage Rate
To – 24	~~6.50%~~ 3.50%	~~6.50%~~ 4.50%	Get Started Payment Calculator
25 – 36	~~7.00%~~ 4.00%	~~7.00%~~ 5.00%
37 – 48	~~7.50%~~ 4.50%	~~7.50%~~ 5.50%
49 – 60	~~7.75%~~ 4.75%	~~7.75%~~ 5.75%
61 – 72	~~8.25%~~ 5.25%	~~8.25%~~ 6.25%
73 – 84¹		~~8.50%~~ 6.50%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. Rates apply to new or used fixed rate loans and are published with the grand opening discounts that are currently available. Refinance discount only applies when refinancing a vehicle from another financial institution. Sample payment based on a 24 month Auto Loan at 3.50% APR* is $43.20 per $1,000 and includes the promotional discount for refinanced vehicles. The credit union reserves the right to discontinue promotion at any time. Must be credit qualified. Minimum credit score of 600. 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	Promotional Fixed Annual Percentage Rate
To – 24	~~7.50%~~ 5.50%	Get Started Payment Calculator
25 – 36	~~7.50%~~ 5.50%
37 – 48	~~7.50%~~ 5.50%
49 – 60	~~7.75%~~ 5.75%
61 – 72	~~8.00%~~ 6.00%
73 – 84	~~9.00%~~ 7.00%
85 – 120⁺	~~9.50%~~ 7.50%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. Rates apply to new or used fixed rate loans and are published with the grand opening discounts that are currently available. Sample payment based on a 24 month Boat/RV Loan at 5.50% is $44.10 per $1,000 and includes the promotional rate discount. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600. ⁺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
To – 24	~~9.00%~~ 7.00%	Get Started Payment Calculator
25 – 36	~~9.00%~~ 7.00%
37 – 48	~~9.25%~~ 7.25%
49 – 60	~~9.50%~~ 7.50%
Rates apply to new or used fixed rate loans and are published with the grand opening discounts that are currently available. Sample payment based on a 24 month Outdoor Activity Vehicle Loan at 7.00% APR* is $44.78 per $1,000 and includes the promotional rate discount. The credit union reserves the right to discontinue promotion at anytime. Must be credit qualified. Minimum credit score of 600.

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	Promotional Fixed Rate APR*
To – 24	~~10.00%~~ 8.00%	Get Started Payment Calculator
25 – 36	~~13.00%~~ 11.00%
37 – 48	~~14.00%~~ 12.00%
49 – 60	~~14.00%~~ 12.00%
POSTED RATES APPLY TO ALL CREDIT SCORES ABOVE 600. Rates are published with the grand opening discounts that are currently available. 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. 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
Up to 36 Months	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%
15 to 20 Years (181 to 240 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
To - 36	8.25%
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. Sample payment based on a 36 month Home Improvement Loan at 5.25% Annual Percentage Rate is $30.09 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. 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.

Grand Opening Specials

Help us celebrate the grand opening of our newest location! Enjoy these limited time offerings. It's our way of helping you earn more and pay less, come visit us in our new location.

Saratoga Springs Branch & Headquarters
189 Ballston Avenue (Route 50), Saratoga Springs, NY 12866
Located in Saratoga Plaza at the opposite end of Price Chopper/Market 32.

Saturday Hours | Drive Thru | 40+ Parking Spaces
Specials are available at all branch locations.

Certificate Special

3.5% APY*

Do you have money sitting in a checking or savings account?
Move it to our short-term, high-yield account.

Flexible Short-Term
12 to 60 months

Low Minimum Deposit
$500 Minimum Deposit
Must be new money to the credit union

Open Account

Auto, Motorcycle, Truck
Refinance Special

3.5% APR**

We are more than just great rates.
Move your vehicle loan to Saratoga Federal and experience the difference of working with a personalized, local credit union. Plus, enjoy this limited time discount to celebrate our grand opening.

Credit Scores of 600+ Welcome
Same Rate for All Credit Scores
Same Rate for New & Used Vehicles
Auto Refi’ discounts up to 3% Off Published Rates
Skip-a-Pay when you are Short on Cash
No Payments for up to 60 Days

Get Started
Rates

Auto, Motorcycle, Truck Loans

4.5% APR**

Buying a new or used auto, motorcycle, or truck, we can help.
You could use any online lender or you could use a local credit union who knows you by name and will be here for you throughout the entire process.

Credit Scores of 600+ Welcome
Same Rate for All Credit Scores
Same Rate for New & Used Vehicles
Discounts up to 2% Off Published Rates
Skip-a-Pay when you are Short on Cash
No Payments for up to 60 Days

Get Started
Rates

Boats & Recreational Vehicles

5.50% apr**

Enjoy summer even more with a new/used boat or recreational vehicle. Whether you are looking to purchase or lower your payments with a refinance of an existing loan you can enjoy this special discount.

Credit Scores of 600+ Welcome
All Credit Scores Receive the Same Rate
Refinances & Purchases
Discounts up to 2% Off Published Rates
New and Used Boats & RVs | All Model Years
Skip Payments in January and February
Up to 60 Days to Your First Payment

Get Started
Rates

Outdoor Activity Vehicles

7.00% apr**

It's time to start living and enjoy all that upstate New York has to offer. Whether it's a snowmobile, jetski, ATV or any other outdoor activity vehicle we can help get you into a payment you are comfortable with.

Credit Scores of 600+ Welcome
All Credit Scores Receive the Same Rate
Refinances & Purchases
Discounts up to 2% Off Published Rates
New and Used Outdoor Activity Vehicles | All Model Years
Up to 60 Days to Your First Payment

Get Started
Rates

Personal Loans

8.00% apr**

When you are feeling short on cash or need to make a large purchase, Saratoga Federal is there for you. With a personal loan you can pay off other bills or prepare for a large purchase with peace of mind.

Credit Limit Amount:
$500 to $20,000

Get Started
Rates

*Annual Percentage Yield (APY). Dividend Rate 3.445%. 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. Share Certificate does not automatically renew and is for new money deposits only. Advertised rate and Annual Percentage Yield (APY) are offered at the credit union’s discretion and may change daily. Penalty may be imposed for early withdrawal. The amount of the penalty is 90 days dividends. Early withdrawal penalty could reduce earnings and may be deducted from the principal. Balances in excess of $250,000 are not insured by NCUSIF.

**Annual Percentage Rate (APR)
Promotional rates effective as of 3/1/2025 and will discontinue on 7/31/25. Credit union reserves the right to discontinue promotion at any time. Must be credit qualified. Minimum credit score of 600. Offers are not valid to refinance existing Saratoga Federal fixed rate loans. No payments for up to 60 days available, interest will continue to accrue. Additional rates and terms available at www.saratogafcu.org/Rates/Loans. Skip-a-pay details availble at www.saratogafcu.org/skip.

Auto Loans: Auto loan sample payment based on a 24 month Auto Loan at 3.50% APR* is $43.20 per $1,000.
Boat Loans: Rates apply to new or used fixed rate loans and are published with discounts that are currently available. Sample payment based on a 48 month Boat/RV Loan at 5.50% is $23.26 per $1,000 and includes the promotional rate discount.
Outdoor Activity Loans: Outdoor activity vehicle loan sample payment based on a 24 month Outdoor Activity Vehicle Loan at 7.00% APR* is $44.78 per $1,000.
Personal Loans: Sample payment based on a 24 month term at 8.00% APR* is $45.24 per $1,000 and includes all discounts available.

Membership eligibility: Must live, work, worship, or attend school in Fulton, Montgomery, Saratoga, Washington or Warren County.

Grand Opening Specials

Certificate Special

3.5% APY*

Auto, Motorcycle, Truck Refinance Special

3.5% APR**

Auto, Motorcycle, Truck Loans

4.5% APR**

Boats & Recreational Vehicles

5.50% apr**

Outdoor Activity Vehicles

7.00% apr**

Personal Loans

8.00% apr**

Email Signup

Auto, Motorcycle, Truck
Refinance Special