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

4% APY*


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

Flexible Short-Term
60 days to 6 months

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

Open Account

Auto, Motorcycle, Truck
Refinance Special

3% OFF

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

2% OFF

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

2% OFF

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

2% OFF

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

2% OFF

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 3.93%. Dividends compound monthly. Penalty may be imposed for early withdrawal. Minimum balance to open is $500. Share Certificate does not automatically renew and is for new money deposits only. Advertised rate and APY are offered at the credit union’s discretion and may change daily. 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.  

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

Loan discounts applies to Fixed Rate Auto Loans, Boat/RV loans, Outdoor Activity Loans, Personal Unsecured Loans.  This program does not apply to variable rate offerings or any other loan type not listed above. The credit union reserves the right to discontinue promotion at any time.  Must be credit qualified.  Please visit saratogafcu.org/rates/loans for applicable loan programs, terms and details.