thanku Member Loyalty

Special discounts on auto, motorcycle, boat, RV, personal and home improvement loans!

At Saratoga Federal, we strive to give back to our loyal members and community by helping them save money through loan discounts.  Enjoy the privileges of member loyalty.

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


Earn up to

off published rates




discount if you have been a member for at least 5 years


discount if you opt for auto payment transfer



discount if you opt for debt protection on the loan


discount if you are a Student Enrolled in a College or Trade School


discount if you have a SCFCU checking account


discount if you have a SCFCU real estate loan


discount if you have a 680+ Credit Score


discount for auto/truck/motorcycle loan refinanced from another financial institution


Interested in seeing how much you can save?  Apply for a loan online today.

Apply Today


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.  Discounts may be used individually or combined for up to 3.00% off the highest published rate.  College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of the term of the enrollment.  Discount for auto/truck/motorcyle applies to refinancing of loans from other financial institutions for that particular loan.  The credit union reserves the right to discontinue promotion at any time.  Must be credit qualified.  Please visit for applicable loan programs, terms and details.