--- title: "Saratoga's Community Credit Union Rates (Nov 2026): Mortgage 7.28%" description: "Saratoga's Community Credit Union rates today: 30 year fixed mortgage 7.28% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Saratoga's Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/saratogas-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Saratoga's Community Credit Union Rates (Nov 2026): Mortgage 7.28% ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.281% APR | 7.125% | — | Standard | | **USDA 30-Year Fixed** 30 year fixed | 7.808% APR | 7.125% | — | Standard | | **VA 30-Year Fixed** 30 year fixed | 7.943% APR | 7.500% | — | Standard | | **FHA 30-Year Fixed** 30 year fixed | 8.488% APR | 7.500% | — | Standard | Saratoga's Community Credit Union mortgage rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Improvement 19 Up to 20 years Loan to Value (LTV): 133%** personal | — APR | 11.000% | — | Standard | Saratoga's Community Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Annual Percentage Rate for Balance Transfers** credit_card_balance_transfer | — APR | 11.990% | — | Context only | Saratoga's Community Credit Union credit card rates as of November 12, 2026 As of November 12, 2026, Saratoga's Community Credit Union offers a 30-year fixed mortgage at 7.281% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/saratogas-community) , verified from [Saratoga's Community Credit Union's official website](https://www.saratogafcu.org/) Best product position **Room to improve vs. the New York median** 30-year fixed mortgage Gap to state best **75 bp** 75 bp from state best Vs. state median **6 bp behind median** 30-year fixed mortgage Products ranked **1** across tracked New York markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.28% | Room to improve vs. the New York median | 75 bp from state best | 6 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Saratoga's Community Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=saratogas-community&state=new-york&code=NY&name=Saratoga's%20Community%20Credit%20Union) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Broadview** Wilton · Saratoga Springs · NY · 12866 About 2.0 miles away](https://rateapi.dev/credit-unions/new-york/broadview) [**First New York** Saratoga Location · Saratoga Springs · NY · 12866-5506 About 2.3 miles away](https://rateapi.dev/credit-unions/new-york/first-new-york) [**Sunmark** Wilton Branch · Saratoga Springs · NY · 12866 About 2.4 miles away](https://rateapi.dev/credit-unions/new-york/sunmark) [**Navy Federal Credit Union** NSA Saratoga Springs NY · Saratoga Springs · NY · 12866 About 4.0 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Stewart's** Stewart's FCU · Ballston Spa · NY · 12020 About 4.2 miles away](https://rateapi.dev/credit-unions/new-york/stewarts) [**TCT** Milton · Ballston Spa · NY · 12020 About 5.8 miles away](https://rateapi.dev/credit-unions/new-york/tct) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Saratoga's Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Location fulton, montgomery, saratoga, warren, washington — NY Verified from [Saratoga's Community Credit Union's membership page](https://www.saratogafcu.org/Get-to-Know-Us/About-Us.aspx) . Final membership determination is always made by the credit union. ## Membership rules for Saratoga's Community Credit Union Geography 5 counties · Employers · Family 2 28 published paths to membership, last verified October 11, 2026, quoted from Saratoga's Community Credit Union’s own published criteria. ### Geography 5 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified October 11, 2026 - Fulton County, NY - Montgomery County, NY - Saratoga County, NY - Warren County, NY - Washington County, NY “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Saratoga County, NY” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Employee of Saratoga's Community Federal Credit Union “Employees of this credit union;” > [source ↗](https://www.saratogafcu.org/Get-to-Know-Us/About-Us.aspx) - Employee of Saratoga's Community Federal Credit Union ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Family Of Deceased surviving spouse “Spouses of persons who died while within the field of membership of this credit union;” > [source ↗](https://www.saratogafcu.org/Get-to-Know-Us/About-Us.aspx) - Family member (surviving spouse) of a deceased eligible person - Family of someone eligible immediate family, household member “Members of their immediate family or household, and organizations of such persons;” > [source ↗](https://www.saratogafcu.org/Get-to-Know-Us/About-Us.aspx) - Family member (immediate family, household member) of an eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Saratoga's Community Credit Union? Yes No ## Work at Saratoga's Community Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Saratoga's Community Credit Union ranks against New York peers. - See which AI assistants fetched Saratoga's Community Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=saratogas-community&state=new-york&code=NY&name=Saratoga's%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Saratoga's Community Credit Union offer? Saratoga's Community Credit Union currently offers mortgage, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 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 November 12, 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 November 12, 2026, Saratoga's Community Credit Union offers a 30-year fixed mortgage at 7.281% APR. ### Who can join Saratoga's Community Credit Union? Saratoga's Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 28 published membership paths covering 5 counties and 1 employer for Saratoga's Community Credit Union, each quoted from Saratoga's Community Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Saratoga's Community Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York mortgage rate leaders](https://rateapi.dev/mortgage-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.saratogafcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Saratoga's Community Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # 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" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Saratoga's Community Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/saratogas-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp