thanku Member Loyalty

At Saratoga's Credit Union, we strive to give back to our loyal members by helping you save money through loan discounts. The more products you have with the credit union, the bigger discount for your borrowing needs. 

Enjoy the privileges of member loyalty.

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




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


discount if you opt for auto payment transfer


discount if you are currently employed in the following professions or industries
Convenience & Grocery Store
Educational Employee
Healthcare Industry
Medical Professionals
Real Estate Professionals


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


discount if you have a SCFCU checking account

Earn up to

off published rates


discount if you have a SCFCU real estate loan


discount if you have a credit score of 680+


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.  Educational Employee is defined as anyone currently employed by a school district regardless of position or title.  College or Trade School Student is defined as anyone currently enrolled in any college or trade school regardless of the term of the enrollment.  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.