Effective: January 1, 2017

Disclosure Information	Program Details
Percentage Rate for Purchases	9.90%
Annual Percentage Rate for Cash Advances	6.99% introductory APR until balance subject to introductory APR is paid off. After that the rate will be 9.90%.
Annual Percentage Rate for Balance Transfers	6.99% introductory APR until balance subject to introductory APR is paid off. After that the rate will be 9.90%.
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 in U.S. Dollars
Balance Transfer Fee	None
Late Payment Fee	$27.00 or the amount of the required minimum payment, whichever is less, if you are five (5) or more days late in making a payment.
Returned Payment Fee	$27.00 or the amount of the required minimum payment, whichever is less.
Over-the-Credit Limit Fee	None

*Annual Percentage Rate (APR)
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account Agreement for more details. Promotional Period for Introductory APR on Cash Advances & Balance Transfers: The Introductory APR for purchases, balance transfers, and cash advances will apply to transactions posted to your account until December 31, 2017. All rates are subject to change without notice. Limits available from $500 to $15,000. Collection Costs: You agree to pay all costs of collecting the amount you owe under the Agreement, including court costs and reasonable attorney’s fees.

Access & Convenience Wherever You Shop

You have places to be and things to do – that’s why we introduced a variety of card programs that can meet any of your needs. Even better we can produce the cards at our Saratoga Service Center. No more waiting for your card to arrive by mail. Visit the branch, watch your card print and pick it up today!

Verified By VISA

Fast. Convenient. Secure.

Pay for everyday purchases without carrying cash or checks
Stay home and buy online
Automatic payments for retailers like gym memberships

With a Visa Debit Card you have access and convenience to make purchases wherever Visa is accepted and to access money at over 30,000 surcharge-free ATMs*. Plus earn incite rewards points with every signature-based purchase that you make.

Security
Ensuring your security is important part of what we do every day. Through our complimentary fraud monitoring services we are able to detect possible fraudulent transactions from processing. Please ensure you keep a current phone number on file so that we can alert you should we need to confirm a suspicious transaction.

Travel Notices: Setting a travel notice lets us know you may be using your card in places that would typically stand out as fraudulent. Without setting a travel notice these transactions may be declined due to fraud protection services.

Travel Notification

*Surcharge-free ATM transactions per month are cumulative. ATM transactions include balance inquiries, deposits, withdrawals and transfers. In addition to the fees charged on some accounts by Saratoga's Community FCU, ATM owners may charge additional fees known as surcharges to use their ATMs. These vary by institution. Our credit union has entered into an agreement with Stewart's Shops and the CO-OP Network to allow our members access to participating ATMs, kiosks and cash dispensing terminals without paying surcharges. Credit union fees for exceeding the maximum amount of transactions as stated in our fee schedule and your account agreement will still apply.

Card Activation
866.333.9337

Lost or Stolen Cards
Report Immediately for Security
800.472.3272

Fraud Alerts & Monitoring
800.262.2024

EMV Chip Technology—Coming Soon
EMV chip cards featuring new technology to ensure the best in innovation for your security will be coming early 2017.

Manage Your Money
Access your accounts at over 30,000 ATMs nationwide. Stay in touch with your finances through our mobile, text and online banking.

Prefer to use the phone? Give our eTeller audio response system a call. Access balances and recent history 24/7. Call 518.583.2323, select option 2, then 1 for eTeller. Be sure to have your Member Number, eTeller PIN and last 4 digits of the primary member’s Social Security Number ready when you call.

Rewards. Rewards. Rewards.
Rewards makes everything even better. Incite rewards lets you earn points every time you swipe your Saratoga’s Credit Union debit or credit card and perform a signature based transaction. But it goes beyond that, incite is designed to thank you for using a wide variety of our products and services, such as making on-time loan payments, having direct deposit and much more! Redeem your points for travel, merchandise, gift cards, charitable donations, cash back and credit union fees and services. Check your balance today!

View Sample Rewards

Overdraft Opt-In Open Today Incite Rewards

Visa Credit Cards
A Visa credit card can help you purchase the things you need. Our Visa Platinum boasts one of the lowest purchase rates around. No annual or hidden fees and everyone enjoys the same rate. Plus enjoy a low balance transfer and cash advance rate until that balance is paid off. See rates and terms or apply now and pick up your card in the branch.

Travel Notification

EMV Chip Technology—Coming Soon
EMV chip cards featuring new technology to ensure the best in innovation for your security will be coming early 2017. These cards will feature a new vertical design to help you remember to insert the cards vertically into the EMV reader.

Rewards. Rewards. Rewards.
Rewards makes everything even better. Incite rewards lets you earn points every time you swipe your Saratoga’s Credit Union debit or credit card. But it goes beyond that, incite is designed to thank you for using a wide variety of our products and services, such as making on-time loan payments, having direct deposit and much more! Redeem your points for travel, merchandise, gift cards, charitable donations, cash back and credit union fees and services. Check your balance today!

View Sample Rewards

Card Activation
877.223.4573

Lost or Stolen Cards
Report Immediately for Security
877.223.4573

Fraud Alerts & Monitoring
877.223.4573

Rates & Terms Apply Incite Rewards

The best gift is the one they choose

Visa Gift Cards
Give them the gift they’ve always wanted – one they can choose themselves! Perfect for any occasion, our Visa gift cards make a gift giving easy. Visa gift cards can be used online, in stores or anywhere Visa is accepted. Pick yours up at the branch for a minimum cost of $3.00 each.

Gift Ideas:

Baby Showers: Place a gift card in the hands of a child’s first teddy bear.
Birthdays: Find a funny card that means something special and add in a gift card they can use to take you to lunch.
Bridal Showers: Let the newlyweds choose what they really need by providing them a Visa gift card. They can use it for their honeymoon, a new home or items left on their registry.
Mother & Father’s Day: A homemade gift goes well with a Visa gift card.
Thank You Gifts: There’s no better way to say thank you, just the thought is really what matters.
Weddings: Keep it simple, give a gift card
Other ideas: Gift cards can also be used for one time purchase where you want to load a pre-determined amount of money and shop securely online or ensure no more than what was loaded is spent.

Travel EMV Chip Cards

These cards are one-of-a-kind with dual technology of a traditional magnetic strip as well as the EMV technology being used overseas. Perfect for everyday purchases or for use while traveling overseas. With the Travel Card there is no need to carry large amounts of cash or traveler's cheques while traveling - this card does it all!

Low one-time purchase fee of $7.95
Reloadable online or by phone
EMV chip allows card to be accepted at millions of locations and ATM's worldwide

Resources

EMV - What is it?

EMV chip technology is quickly being integrated into our everyday lives. Don’t get caught off guard – we have compiled some great information to help you understand that EMV technology is and what to expect when using it.

ATM Locations

We have over 30,000 surcharge-free ATM locations to better serve you. Use our ATM locator to find one near you.

Card Activation

Need to activate your debit or credit card?
Debit Card Activation: 866.333.9337
Credit Card Activation: 877.223.4573

Access & Convenience Wherever You Shop

Resources

EMV - What is it?

ATM Locations

Card Activation

Email Signup