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.