What are the current interest rates at Saratoga’s Community FCU?

Current rates for Saratoga’s Community FCU include: 12-Month CD: 1.45%, 24-Month CD: 1.55%, 60-Month CD: 1.85%, Savings: 0.05%, MMA: 0.80%

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Saratoga’s Community FCU

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Saratoga’s Community FCU Rates & Review October 2026

Q: How many branches does Saratoga’s Community FCU operate?

Saratoga’s Community FCU currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Saratoga’s Community FCU?

Yes, to access services at Saratoga’s Community FCU, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Saratoga’s Community FCU provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Saratoga’s Community FCU's top rates as of October 14, 2026 are 2.50% APY on its 12 Month Business CD, 0.05% APY on savings, 0.80% APY on money market accounts, 0.05% APY on checking, and rv, boat and powersport loans from 9.00% APR, according to rates verified by MonitorBankRates. Other Saratoga’s Community FCU CD rates include 12 Month CDs at 2.50%, 24 Month Business CD at 2.50%, and 24 Month CDs at 2.50%. MonitorBankRates evaluates the financial stability of Saratoga’s Community FCU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.17%. Rates last updated and verified on 10/14/2026.

Saratoga’s Community FCU money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Saratoga’s Community FCU? Share your experience about Saratoga’s Community FCU by leaving a review below, or read customer reviews before you decide to use Saratoga’s Community FCU.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.17%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Saratoga’s Community FCU
189 Ballston Ave

189 Ballston Ave
Saratoga Springs, NY 12866-4715

https://saratogafcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Saratoga’s Community FCU CD Rates

Product	Rate	APY	Term
12 Month Share Certificates	2.472%	2.50%	12 Month
Min Deposit $500 Details Promotional rate; New Money Required; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
24 Month Share Certificates	2.472%	2.50%	24 Month
Min Deposit $500 Details Promotional rate; New Money Required; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
36 Month Share Certificates	2.472%	2.50%	36 Month
Min Deposit $500 Details Promotional rate; New Money Required; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
48 Month Share Certificates	2.472%	2.50%	48 Month
Min Deposit $500 Details Promotional rate; New Money Required; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
60 Month Share Certificates	2.472%	2.50%	60 Month
Min Deposit $500 Details Promotional rate; New Money Required; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Share Certificate 12 Month - Promotional	2.472%	2.50%	12 Month
Min Deposit $500 Details Promotional Rate; New Money Required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Share Certificate 24 Month - Promotional	2.472%	2.50%	24 Month
Min Deposit $500 Details Promotional Rate; New Money Required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Share Certificate 36 Month - Promotional	2.472%	2.50%	36 Month
Min Deposit $500 Details Promotional Rate; New Money Required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Share Certificate 48 Month - Promotional	2.472%	2.50%	48 Month
Min Deposit $500 Details Promotional Rate; New Money Required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Share Certificate 60 Month - Promotional	2.472%	2.50%	60 Month
Min Deposit $500 Details Promotional Rate; New Money Required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
6 Month Share Certificates	2.227%	2.25%	6 Month
Min Deposit $500 Details Promotional rate; New Money Required; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Share Certificate 6 Month - Promotional	2.227%	2.25%	6 Month
Min Deposit $500 Details Promotional Rate; New Money Required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
3 Month Share Certificates	1.982%	2.00%	3 Month
Min Deposit $500 Details Promotional rate; New Money Required; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Share Certificate 3 Month - Promotional	1.982%	2.00%	3 Month
Min Deposit $500 Details Promotional Rate; New Money Required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
60 Month Share Certificates	1.835%	1.85%	60 Month
Min Deposit $500 Details Standard rate; New Money Not Required; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
IRA Certificate 60 month	1.835%	1.85%	60 Months
Min Deposit $500 Details 1,800 to 2,159 days Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
48 Month Share Certificates	1.736%	1.75%	48 Month
Min Deposit $500 Details Standard rate; New Money Not Required; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
IRA Certificate 48 month	1.736%	1.75%	48 Months
Min Deposit $500 Details 1,440 to 1,799 days Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
36 Month Share Certificates	1.638%	1.65%	36 Month
Min Deposit $500 Details Standard rate; New Money Not Required; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
IRA Certificate 36 month	1.638%	1.65%	36 Months
Min Deposit $500 Details 1,080 to 1,439 days Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
24 Month Share Certificates	1.539%	1.55%	24 Month
Min Deposit $500 Details Standard rate; New Money Not Required; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
IRA Certificate 24 month	1.539%	1.55%	24 Months
Min Deposit $500 Details 720 to 1,079 days Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
60 Day Share Certificates	1.49%	1.50%	60 Day
Min Deposit $500 Details Promotional rate; New Money Required; Early withdrawal penalty: 30 days dividends Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Share Certificate 60 Day - Promotional	1.49%	1.50%	60 Day
Min Deposit $500 Details Promotional Rate; New Money Required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
12 Month Share Certificates	1.44%	1.45%	12 Month
Min Deposit $500 Details Standard rate; New Money Not Required; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
IRA Certificate 12 month	1.44%	1.45%	12 Months
Min Deposit $500 Details 360 to 719 days Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
6 Month Share Certificates	1.342%	1.35%	6 Month
Min Deposit $500 Details Standard rate; New Money Not Required; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
IRA Certificate 6 month	1.342%	1.35%	6 Months
Min Deposit $500 Details 180 to 359 days Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
3 Month Share Certificates	1.243%	1.25%	3 Month
Min Deposit $500 Details Standard rate; New Money Not Required; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
30 Day Share Certificates	1.243%	1.25%	30 Day
Min Deposit $500 Details Standard rate; New Money Not Required; Early withdrawal penalty: 30 days dividends Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
60 Day Share Certificates	1.243%	1.25%	60 Day
Min Deposit $500 Details Standard rate; New Money Not Required; Early withdrawal penalty: 30 days dividends Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
IRA Certificate 1 Month	1.243%	1.25%	1 Month
Min Deposit $500 Details 30 to 59 days Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
IRA Certificate 2 month	1.243%	1.25%	2 Months
Min Deposit $500 Details 60 to 89 days Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
IRA Certificate 3 month	1.243%	1.25%	3 Months
Min Deposit $500 Details 90 to 119 days Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Share Certificate 30 Day - Promotional	1.243%	1.25%	30 Day
Min Deposit $500 Details Promotional Rate; New Money Required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Saratoga’s Community FCU Business CD Rates

Product	Rate	APY	Term
12 Month Business Certificate	2.472%	2.50%	12 Months
Min Deposit $500 Details Promotional rate; New money required; Days: 360 to 719; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
24 Month Business Certificate	2.472%	2.50%	24 Months
Min Deposit $500 Details Promotional rate; New money required; Days: 720 to 1,079; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
36 Month Business Certificate	2.472%	2.50%	36 Months
Min Deposit $500 Details Promotional rate; New money required; Days: 1,080 to 1,439; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
48 Month Business Certificate	2.472%	2.50%	48 Months
Min Deposit $500 Details Promotional rate; New money required; Days: 1,440 to 1,799; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
60 Month Business Certificate	2.472%	2.50%	60 Months
Min Deposit $500 Details Promotional rate; New money required; Days: 1,800; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
6 Month Business Certificate	2.227%	2.25%	6 Months
Min Deposit $500 Details Promotional rate; New money required; Days: 180 to 359; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
3 Month Business Certificate	1.982%	2.00%	3 Months
Min Deposit $500 Details Promotional rate; New money required; Days: 90 to 179; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
60 Month Business Certificate	1.835%	1.85%	60 Months
Min Deposit $500 Details Standard rate; New money not required; Days: 1,800; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
48 Month Business Certificate	1.736%	1.75%	48 Months
Min Deposit $500 Details Standard rate; New money not required; Days: 1,440 to 1,799; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
36 Month Business Certificate	1.638%	1.65%	36 Months
Min Deposit $500 Details Standard rate; New money not required; Days: 1,080 to 1,439; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
24 Month Business Certificate	1.539%	1.55%	24 Months
Min Deposit $500 Details Standard rate; New money not required; Days: 720 to 1,079; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
2 Month Business Certificate	1.49%	1.50%	2 Months
Min Deposit $500 Details Promotional rate; New money required; Days: 60 to 89; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
12 Month Business Certificate	1.44%	1.45%	12 Months
Min Deposit $500 Details Standard rate; New money not required; Days: 360 to 719; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
6 Month Business Certificate	1.342%	1.35%	6 Months
Min Deposit $500 Details Standard rate; New money not required; Days: 180 to 359; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
1 Month Business Certificate	1.243%	1.25%	1 Month
Min Deposit $500 Details Standard rate; New money not required; Days: 30 to 59; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
2 Month Business Certificate	1.243%	1.25%	2 Months
Min Deposit $500 Details Standard rate; New money not required; Days: 60 to 89; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
3 Month Business Certificate	1.243%	1.25%	3 Months
Min Deposit $500 Details Standard rate; New money not required; Days: 90 to 179; Early withdrawal penalty: 90 days dividends Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Saratoga’s Community FCU Savings Rates

Product	Rate	APY
Holiday Club	-	0.25%
Min Balance $0 Details Balance: $0.01 to $5,000; Includes Sub-Accounts, Student Accounts, Holiday, Special, Escrow, Vacation and Summer Loan Payment Savings. Dividend on average daily balances of $50.00 or more. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Savings	-	0.05%
Min Balance $3 Details Includes Sub-Accounts, Student Accounts, Holiday, Special, Escrow, Vacation and Summer Loan Payment Savings. Dividend on average daily balances of $50.00 or more. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Saratoga’s Community FCU Business Savings Rates

Product	Rate	APY	View More
Business Savings	-	0.05%
Min Balance $3 Details Dividend on average daily balances of $50.00 or more. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Saratoga’s Community FCU Business Money Market Rates

Product	Rate	APY
Business Money Market	-	0.05%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99; Dividend on average daily balances of $2,500.00 or more; 3 free withdrawals per month, $5 fee for each withdrawal after 3 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Money Market	-	0.05%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Dividend on average daily balances of $2,500.00 or more; 3 free withdrawals per month, $5 fee for each withdrawal after 3 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Money Market	-	0.05%
Min Balance $25,000 Details Balance: $25,000.00 and over; Dividend on average daily balances of $2,500.00 or more; 3 free withdrawals per month, $5 fee for each withdrawal after 3 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Saratoga’s Community FCU Checking Rates

Product	Rate	APY
Money Market Checking	0.797%	0.80%
Min Balance $25,000 Details Balance: $25,000.00 - $249,999.99; Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Money Market Checking	0.399%	0.40%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Money Market Checking	0.23%	0.23%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99; Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.23% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Money Market Checking	0.10%	0.10%
Min Balance $50 Details Balance: $50.00 - $2,499.99; Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
High Yield Checking	-	0.05%
Details Checking accounts earn dividends on average daily balances of $250.00 or more. Fees may reduce earnings. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Premier Checking	-	0.05%
Details Checking accounts earn dividends on average daily balances of $250.00 or more. Fees may reduce earnings. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Saratoga’s Community FCU Auto Loan Rates

Product	Rate	Points	APR	Term
Outdoor Activity Vehicle Loan	-	-	4.50%	Up to 60 months
Details ATV, UTV, Snowmobile, Waverunner & more; Introductory APR for first 6 months; After Introductory Period: Prime + 4.00%; Variable Rate/Fixed Payment Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 4.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Outdoor Activity Vehicles - ATV, UTV, Snowmobile, Personal Watercraft Loan	-	-	9.00%	Up to 60 months
Details Annual Percentage Rate (Fixed) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Outdoor Activity Vehicles Loan	-	-	9.00%	Up to 60 months
Details Annual Percentage Rate (Fixed); ATV, UTV, Snowmobile, Personal Watercraft Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Saratoga’s Community FCU RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat & Recreational Vehicle Loan	-	4.50%	Up to 120 months
Details Introductory APR for first 6 months; After Introductory Period: Prime + 3.00%; Variable Rate/Fixed Payment Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 4.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Boats & Recreational Vehicles Loan	-	8.00%	Up to 120 months
Details Annual Percentage Rate (Fixed) Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Saratoga’s Community FCU Personal Loan Rates

Product	APR	Term
Outdoor Activity Vehicles - ATV, UTV, Snowmobile, Personal Watercraft Loan	9.00%	Up to 60 months
Details Annual Percentage Rate (Fixed) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Personal Unsecured Loan	12.00%	Up to 60 months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 12.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Saratoga’s Community FCU Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loan	-	-	8.25%	Up to 36 months
Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Home Improvement Loan	-	-	8.50%	37-48 months
Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Home Improvement Loan	-	-	8.75%	49-60 months
Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Home Improvement Loan	-	-	9.00%	61-72 months
Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Home Improvement Loan	-	-	10.25%	73-84 months
Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 10.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Sub-Accounts	-	-	0.05%
Details Dividend on average daily balances of $50.00 or more. Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
IRA Shares	-	-	0.25%
Min Balance $50 Details IRA Savings; Dividend on average daily balances of $50.00 or more Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

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Financial Health History

Saratoga’s Community FCU’s Texas Ratio rose from 2.06% in Q3 2023 to 3.17% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$58M	3.17%	5.0	A+
March 31, 2026	$59M	7.58%	5.0	A
December 31, 2025	$59M	9.02%	5.0	A
September 30, 2025	$59M	6.72%	5.0	A
June 30, 2025	$59M	3.80%	5.0	A+
March 31, 2025	$57M	3.60%	5.0	A+
December 31, 2024	$57M	3.30%	5.0	A+
September 30, 2024	$56M	4.46%	5.0	A+
June 30, 2024	$56M	4.25%	5.0	A+
March 31, 2024	$56M	3.95%	5.0	A+
December 31, 2023	$55M	6.38%	5.0	A
September 30, 2023	$54M	2.06%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Saratoga’s Community FCU is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Saratoga’s Community FCU rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Saratoga’s Community FCU's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Saratoga’s Community FCU

Website https://saratogafcu.org

Address 189 Ballston Ave, Saratoga Springs, NY 12866-4715

Phone 518-583-2323

Fax 518-583-9143

President Jane Decoteau

CEO Donald Denofio

Full-Time Employees 15

Part-Time Employees 2

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.17%

Return on Assets (ROA)

0.5393%

Return on Equity (ROE)

6.2755%

Non-Performing Loans Ratio (NPL)

0.33%

Total Assets

57,855,229

Total Amount of Shares and Deposits

52,944,628

Total Shares and Deposits < 1 Year

52,810,109

Total Shares and Deposits 1 3 Years

119,373

Total Shares and Deposits > 3 Years

15,146

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,151,972

Total Uninsured Shares and Deposits > $250K (F+J)

1,151,972

Total Insured Shares and Deposits > $250K (item 17 less item K)

51,792,656

Total Interest Expense (Sum of items 6 8)

130,617

Share Certificates

113

Number of Accounts for Share Drafts

2,434

IRA KEOGH Accounts

Number of Accounts for Regular Shares

5,746

Money Market Shares

1,305

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

5,975,290

Total Liabilities

52,882,931

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Saratoga’s Community FCU earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Saratoga’s Community FCU

How many branches does Saratoga’s Community FCU operate?

Saratoga’s Community FCU currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Saratoga’s Community FCU?

Yes, to access services at Saratoga’s Community FCU, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Saratoga’s Community FCU does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Saratoga’s Community FCU provides members with tools to manage their accounts and build a solid financial history.

Does Saratoga’s Community FCU offer online and mobile banking?

Most modern institutions like Saratoga’s Community FCU provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://saratogafcu.org.

Current Saratoga’s Community FCU Rates

12-Month CD1.45%
24-Month CD1.55%
60-Month CD1.85%
Savings0.05%
MMA0.80%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Saratoga’s Community FCU Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Saratoga’s Community FCU Texas Ratio

Saratoga’s Community FCU Health Trend

Saratoga’s Community FCU CD Rates

Saratoga’s Community FCU Business CD Rates

Saratoga’s Community FCU Savings Rates

Saratoga’s Community FCU Business Savings Rates

Saratoga’s Community FCU Business Money Market Rates

Saratoga’s Community FCU Checking Rates

Saratoga’s Community FCU Auto Loan Rates

Saratoga’s Community FCU RV, Boat and Powersport Loan Rates

Saratoga’s Community FCU Personal Loan Rates

Saratoga’s Community FCU Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Saratoga’s Community FCU earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Saratoga’s Community FCU

How many branches does Saratoga’s Community FCU operate?

Is a member application needed to join Saratoga’s Community FCU?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Saratoga’s Community FCU offer online and mobile banking?

Current Saratoga’s Community FCU Rates

Compare to Other Credit Unions