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"Serving the Saratoga
Community since 1945"

 
Saratoga's Community Federal Credit Union
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Savings Information

Our savings programs save you money!


Saratoga's Community Federal Credit Union
offers a deposit program to meet just about everyone's needs. All our deposit accounts offer very competitive dividend rates along with little or NO FEES.

 

Share Draft (Checking) Account  - (Current Share Draft Rate)

No minimum balance fees,
No monthly service charges,
No per check charges,
First 12 starter checks free (on the spot),
VISAŽ Check (debit) Card for convenient account access,
Dividends on average daily balances of $10,000 or more,
Monthly account statement,
Overdraft Line of Credit Protection available,
Convenient online reordering of your checks by using the
button on the left (Re-Order Checks).

Regular Share (Savings) - (Current Share & Sub-Share Rates)

Membership Account required balance, $5.00. Opening this account allows you all the products and services that we offer.

Sub-Share (Savings) Accounts

Escrow Account - an account for those who like to set money away for those tax obligations.
Special Account - an account for just about any worthwhile purpose you decide.
Vacation Club - an account for planning that well deserved vacation get away.
Holiday Club - an account for the holiday season. There is no penalty if you miss a week, change the amount, or need to make an early withdrawal.
Summer Loan Payment Account -  many of our members who work within the school district already know, there is no paycheck received in the summer. Have no fear, make regular deposits to this account throughout the school year, and we will make those summer loan payments for you automatically, all summer long.
All our regular and sub-share accounts earn dividends on average daily balances of $50.00 or more.

Youth Clubs (Current Youth Club Rates)

PLANET M! and boom!, Accounts designed especially for our younger savers under the age of 18,
Planet M members deposit right from the classroom at Dorothy Nolan and Geyser Road Elementary Schools,
A great way to learn the value of saving and the value of credit union membership,
Dividends on average daily balances of $5.00 or more.

Money Market Account - (Current Money Market Rate)

An account designed for the more aggressive saver who does not really want to tie up funds for any specified length of time,
Dividends on average daily balances of $50.00 or more.

Share Certificates - (Current Share Certificate Rates)

You can invest in share certificates with terms from 6 months to 36 months:
$500 minimum deposit on certificates
$100,000 maximum deposit on certificates
IRA Certificates also available
We may impose a penalty if you withdraw any of the principal before the maturity date. The amount of the early withdrawal penalty for your account is 90 days dividends.

IRA  Share Accounts - (Current IRA Share Rates)

Save on taxes while you build  that individual retirement account. It's a great way to supplement your pension and social security,
We offer the Traditional, Roth, and Educational IRAs.
You can also invest in IRA certificates with terms from 6 months to 36 months:
$500 minimum deposit on certificates
$250,000 maximum deposit on certificates
We may impose a penalty if you withdraw any
of the principal before the maturity date.
The amount of the early withdrawal penalty for
your account is 90 days dividends.

 


Your savings federally insured to at least $100,000 and backed
by the full faith and credit of the United States Government
(NCUA)  National Credit Union Administration,
a U.S. Government Agency


 
   
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  Copyright 2004 Saratoga's Community Federal Credit Union. All rights reserved