Saratoga's Community Credit Union

Saratoga Spring, New York
Last verified: August 11, 2026
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Verified rate book

Current Saratoga's Community Credit Union rates

73 published offers verified as of August 11, 2026.

How we verify rates

Mortgage rates

5 offers
Saratoga's Community Credit Union mortgage rates as of August 11, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.772% APR6.625%—Standard
VA 30-Year Fixed30 year fixed6.909% APR6.500%—Standard
USDA 30-Year Fixed30 year fixed7.037% APR6.375%—Standard
FHA 30-Year Fixed30 year fixed7.311% APR6.375%—Standard
Refinance from Another Lenderother1.000% APR1.000%—Standard

Auto & vehicle rates

14 offers
Saratoga's Community Credit Union auto & vehicle rates as of August 11, 2026
ProductPublishedRateTerm / conditionStatus
thanku loyalty discounts (Auto, Truck, Motorcycle 1)motorcycle3.000% APR3.000%—Standard
thanku loyalty discounts (Boats & Recreational Vehicles 3)boat3.000% APR3.000%—Standard
thanku loyalty discounts (Outdoor Activity Vehicles 4 ATV, UTV, Snowmobile, Personal Watercraft)powersports3.000% APR3.000%—Standard
Outdoor Activity Vehicle ATV, UTV, Snowmobile, Waverunner & more! Up to 60 monthspowersports_any_60mo4.500% APR4.500%60 moStandard
Boat & Recreational Vehicle Up to 120 months 9boat_any_120mo4.500% APR4.500%120 moStandard
Auto, Truck, Motorcycle 1 (24 months)motorcycle_any_24mo6.750% APR6.750%24 moStandard
Auto, Truck, Motorcycle 1 (25-36 months)motorcycle_any_36mo7.250% APR7.250%36 moStandard
Auto, Truck, Motorcycle 1 (37-48 months)motorcycle_any_48mo7.750% APR7.750%48 moStandard
Boats & Recreational Vehicles 3 (Up to 120 months)boat_any_120mo8.000% APR8.000%120 moStandard
Auto, Truck, Motorcycle 1 (49-60 months)motorcycle_any_60mo8.000% APR8.000%60 moStandard
Auto, Truck, Motorcycle 1 (61-72 months)motorcycle_any_72mo8.500% APR8.500%72 moStandard
Auto, Truck, Motorcycle 1 (73-84 months)motorcycle_any_84mo8.750% APR8.750%84 moStandard
Outdoor Activity Vehicles 4 ATV, UTV, Snowmobile, Personal Watercraft (Up to 60 months)powersports_any_60mo9.000% APR9.000%60 moStandard
Automatic Payment Transferother0.250% APR0.250%—Standard

HELOC rates

1 offer
Saratoga's Community Credit Union heloc rates as of August 11, 2026
ProductPublishedRateTerm / conditionStatus
Home Equity Loan 18 PROMOTION: NO CLOSING COSTS 18 Term: Up to 20 years Loan to Value (LTV): 80%heloc_fixed7.750% APR7.750%—Standard

Personal loan rates

9 offers
Saratoga's Community Credit Union personal loan rates as of August 11, 2026
ProductPublishedRateTerm / conditionStatus
thanku loyalty discounts (Personal Unsecured 5)personal_unsecured3.000% APR3.000%—Standard
Up to 60-Month Unsecured Personal Loanpersonal_unsecured_60mo4.500% APR4.500%60 moStandard
Home Improvement 6 (Up to 36 months)personal_unsecured_36mo8.250% APR8.250%36 moStandard
Home Improvement 6 (37-48 months)personal_unsecured_48mo8.500% APR8.500%48 moStandard
Home Improvement 6 (49-60 months)personal_unsecured_60mo8.750% APR8.750%60 moStandard
Home Improvement 6 (61-72 months)personal_unsecured_72mo9.000% APR9.000%72 moStandard
Home Improvement 6 (73-84 months)personal_unsecured_84mo10.250% APR10.250%84 moStandard
Home Improvement 19 Up to 20 years Loan to Value (LTV): 133%personal11.000% APR11.000%—Standard
Up to 60-Month Unsecured Personal Loanpersonal_unsecured_60mo12.000% APR12.000%60 moStandard

Credit card rates

1 offer
Saratoga's Community Credit Union credit card rates as of August 11, 2026
ProductPublishedRateTerm / conditionStatus
Annual Percentage Rate for Balance Transferscredit_card_balance_transfer11.990% APR11.990%—Context only

Savings & CD rates

35 offers
Saratoga's Community Credit Union savings & cd rates as of August 11, 2026
ProductPublishedRateTerm / conditionStatus
High Yield Checkingsavings0.05% APY0.05%—Standard
Savingssavings0.05% APY0.05%—Standard
Checking ($50–$2,499.99)money_market0.10% APY0.10%—Specialty offer
$50.00 To $2,499.99savings0.10% APY0.10%—Standard
Checking ($2,500–$9,999.99)money_market0.23% APY0.23%—Specialty offer
$2,500.00 To $9,999.99savings0.23% APY0.23%—Standard
IRAira0.25% APY0.25%—Standard
$0.01 To $5,000savings0.25% APY0.25%—Standard
5+ Years of Membershipsavings0.25% APY0.25%—Standard
Checking ($10,000–$24,999.99)money_market0.40% APY0.40%—Standard
$10,000.00 To $24,999.99savings0.40% APY0.40%—Standard
Checking ($10,000–$24,999.99)money_market0.40% APY0.40%—Specialty offer
10+ Years of Membershipsavings0.50% APY0.50%—Standard
Active Checking or Money Marketmoney_market0.50% APY0.50%—Standard
Checking ($25,000–$249,999.99)money_market0.80% APY0.80%—Standard
$25,000.00 To $249,999.99savings0.80% APY0.80%—Standard
Checking ($25,000–$249,999.99)money_market0.80% APY0.80%—Specialty offer
IRA Certificate Accounts (2 Months 60 to 89 days)ira_cd_2mo1.24% APY1.24%2 moStandard
IRA Certificate Accounts (1 Month 30 to 59 days)ira_cd_1mo1.24% APY1.24%1 moStandard
IRA Certificate Accounts (3 Months 90 to 119 days)ira_cd_3mo1.24% APY1.24%3 moStandard
SHARE CERTIFICATES (30 Day)share_certificate1.25% APY1.24%—Standard
IRA Certificate Accounts (6 Months 180 to 359 days)ira_cd_6mo1.34% APY1.34%6 moStandard
IRA Certificate Accounts (12 Months 360 to 719 days)ira_cd_12mo1.44% APY1.44%12 moStandard
SHARE CERTIFICATES (60 Day)share_certificate1.50% APY1.24%—Standard
IRA Certificate Accounts (24 Months 720 to 1,079 days)ira_cd_24mo1.54% APY1.54%24 moStandard
IRA Certificate Accounts (36 Months 1,080 to 1,439 days)ira_cd_36mo1.64% APY1.64%36 moStandard
IRA Certificate Accounts (48 Months 1,440 to 1,799 days)ira_cd_48mo1.74% APY1.74%48 moStandard
IRA Certificate Accounts (60 Months 1,800 to 2,159 days)ira_cd_60mo1.83% APY1.83%60 moStandard
3-Month Certificateshare_certificate_3mo2.00% APY1.24%3 moStandard
6-Month Certificateshare_certificate_6mo2.25% APY1.34%6 moStandard
24-Month Certificateshare_certificate_24mo2.50% APY1.54%24 moStandard
60-Month Certificateshare_certificate_60mo2.50% APY1.83%60 moStandard
36-Month Certificateshare_certificate_36mo2.50% APY1.64%36 moStandard
12-Month Certificateshare_certificate_12mo2.50% APY1.44%12 moStandard
48-Month Certificateshare_certificate_48mo2.50% APY1.74%48 moStandard

Other rates

8 offers
Saratoga's Community Credit Union other rates as of August 11, 2026
ProductPublishedRateTerm / conditionStatus
Payment Protectionother0.250% %0.250%—Standard
New Member Discountother0.500% %0.500%—Standard
Fulton/Montgomery County Residentother1.000% %1.000%—Standard
Fulton/Montgomery County Veteranother1.000% %1.000%—Standard
680+ Credit Scoreother1.000% %1.000%—Standard
Term: Up to 20 years Loan to Value (LTV): 100%other7.750% %7.750%—Standard
Annual Percentage Rate for Cash Advancesother11.990% %11.990%—Context only
Percentage Rate for Purchasesother11.990% %11.990%—Context only

As of August 11, 2026, Saratoga's Community Credit Union offers a 30-year fixed mortgage at 6.772% APR. Vehicle loans available from 3% APR. HELOC rates from 7.75% APR. Personal loan rates from 3% APR. Savings and certificate yields up to 2.50% APY.

Source: RateAPI.dev, verified from Saratoga's Community Credit Union's official website

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About Saratoga's Community Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
5.4K
Assets
$59.2M
Founded
1945
Locations reported
2
NCUA charter
5252
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

BroadviewWilton · Saratoga Springs · NY · 12866About 2.0 miles awayFirst New YorkSaratoga Location · Saratoga Springs · NY · 12866-5506About 2.3 miles awaySunmarkWilton Branch · Saratoga Springs · NY · 12866About 2.4 miles awayNavy Federal Credit UnionNSA Saratoga Springs NY · Saratoga Springs · NY · 12866About 4.0 miles awayStewart'sStewart's FCU · Ballston Spa · NY · 12020About 4.2 miles awayTCTMilton · Ballston Spa · NY · 12020About 5.8 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Saratoga's Community Credit Union

Membership eligibility from Saratoga's Community Credit Union's own published criteria. How we verify this.

Membership criteria are published on Saratoga's Community Credit Union's website. Check the membership page below to confirm whether you qualify.

  • LocationSaratoga — NY

Verified from Saratoga's Community Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Saratoga's Community Credit Union offer?

Saratoga's Community Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 11, 2026 directly from the credit union's official website.

How often are Saratoga's Community Credit Union rates updated?

RateAPI verifies Saratoga's Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 11, 2026.

Where does RateAPI get Saratoga's Community Credit Union's rate data?

Rate data is collected directly from Saratoga's Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Saratoga's Community Credit Union's mortgage rate?

As of August 11, 2026, Saratoga's Community Credit Union offers a 30-year fixed mortgage at 6.772% APR.

What are Saratoga's Community Credit Union's auto, boat, motorcycle & powersports loan rates?

As of August 11, 2026, Saratoga's Community Credit Union offers vehicle loans from 3% APR.

What is Saratoga's Community Credit Union's HELOC rate?

As of August 11, 2026, Saratoga's Community Credit Union offers home equity lines of credit from 7.75% APR.

What is Saratoga's Community Credit Union's personal loan rate?

As of August 11, 2026, Saratoga's Community Credit Union offers personal loans from 3% APR.

What is Saratoga's Community Credit Union's best CD rate?

As of August 11, 2026, Saratoga's Community Credit Union offers savings and certificate (CD) yields up to 2.50% APY.

Related Rate Data

Compare Saratoga's Community Credit Union's rates against national credit-union benchmarks.

More New York credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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# Get rates for Saratoga's Community Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/saratogas-community" \
  -H "Authorization: Bearer YOUR_API_KEY"
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