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"Serving the Saratoga
Community since 1945"

 
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A few words about your credit union...

Safe, Sound, Secure

“How safe are my deposits at Saratoga's Community Federal Credit Union?” Our federal regulators “The NCUA” ask that very question and more. They measure the health of institutions in several ways, such as:

bulletLiquidity: Calculated by dividing loans by deposits. A low ratio means more liquidity, and is favorable.
bulletAsset quality: Dividing nonperforming assets by total assets. A low ratio indicates better asset quality, and is favorable.
bulletDelinquency: Calculated by dividing delinquent loans by total loans. A lower ratio indicates a higher quality loan portfolio with a greater rate of repayment, and is favorable.

How did our 2008 2nd quarter results measure up?

bulletLiquidity: 69.09% excellent
bulletAsset Quality: 2.73% excellent
bulletDelinquency: 0.40% excellent

If you have any other questions about your deposits or accounts, don’t hesitate to contact one of our representatives.


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

 
Home
Featured Items:

For your convenience we will now be open Wednesdays from 9-5 starting August 6th.

Click here to view our latest newsletter

house Is your ARM killing you?

Don’t let higher payments force you into delinquency or foreclosure. The time is now. Rates are Down. Refinance your Mortgage with the Credit Union!

bulletNo Application Fee
bulletNo Appraisal Fee
bulletNo Credit Report Fee
bullet$200 Closing Credit

 

Apply online at www.saratogafcu.org today!

Home Equity Line of Credit…low introductory rate of 3.99%...no closing costs.*


Auto Loans with rates as low as 4.70%

Turn to SCFCU for your credit card needs.  You can enjoy a low 1.99% APR for six months when you open a NEW VISA credit card account with SCFCU. 

Apply online now!
 

Other Valuable Services

student graduatingThe C.L.A.S.S. Account
College Loan and Student Services

At Saratoga's Community Federal Credit Union, we know that getting a college degree today is important and that figuring out how to pay for it can be difficult.  That’s why we’ve created the C.L.A.S.S. Account.  You get an affordable student loan and you can also take advantage of these extra benefits.  When you open a student account you will receive a gift!  As a member of the credit union you will have access to a Student Checking Account, Student ATM/Debit Card, Student VISA card, Student ezCardInfo Access Line, and pc-BRANCH (Internet Banking).

For more information, stop by, give us a call or contact us online!

Your link to Practical Money Skills for Life!Practical Money Skills for Life is a personal financial education website helping all consumers − including parents, children and educators − develop and practice better money management skills. This is all available just by clicking on the logo.

Your link to What's My Score.org!What's My Score.org is a website designed to teach young adults how to get and keep good credit.



...get the facts on value from the experts!

Vehicle Values Online - This service offers vehicle pricing on
New Cars  -  Used Cars  -  Classic CarsMotorcycles/SnowmobilesRV -  and
Marine Type Vehicles
including personal watercraft
.
Click on the category you would like pricing on.

   Easy Access to Consumer Information

Easy Access to Consumer Information - You're just a click away from online answers to your financial questions. Click the link above to visit our Personal Finance Resource Center.

 

Warning: About Email Scams!
Don't Get Lured In by Phishing Scamsters
-
Hundreds of consumers have found themselves the victims of an e-mail scam known as "phishing"...click here for more details!

USA Patriot Act Notification

Saratoga's Community Federal Credit Union (SCFCU)
23 Division Street
Saratoga Springs NY 12866
(518) 583-2323
Fax (518) 583-9143

America's Credit Unions - Where people are worth more than money.

This page was last updated on: August 25, 2008

 

 
CU Student H.E.L.P Loan

Make Your College Dreams a Reality With a CU Student H.E.L.P. Loan!

At SCFCU, we understand that college tuition, fees and room and board can add up. But, the college experience is worth every penny. That’s why we have partnered with the CU Student Higher Education Loan Program (CU Student H.E.L.P.) to offer a private student loan program for undergraduate, graduate and continuing education students.

We encourage all of our members to maximize scholarships, grants, and federal loans before applying for a private student loan. If these sources of aid fall short, a CU Student H.E.L.P. loan can help. Whether you need a little money to help pay college expenses or have to cover your entire Cost of Education, a CU Student H.E.L.P. loan can help you get the money you need to pay for college.

Apply online today and receive an online decision in less than a minute. Or you can apply by phone at (877) CUEDLOAN or (877) 283.3562.

CU Student H.E.L.P. is administered by CampusDoor. All loans are subject to credit approval. Lender is Lehman Brothers Bank, FSB. Equal Opportunity Lender. (Your Name Here) is compensated for the referral of private loan customers to the Lender.

RATE WATCH

Certificate of Deposit
as high as...
3.75%
APY
(Annual Percentage Yield)

Personal Loans
as low as...8.50%
APR
(Annual Percentage Rate)

Home Equity
Fixed Rate Loans
as low as 6.25% APR
(Annual Percentage Rate)

View all
rate categories.

Great Offer!
 
Credit Union Awareness


Your link to CreditUnionsFORYOU.com.
NOW get the facts on what credit unions are all about by clicking on the graphic.

 Youth Zone Feature

Googolplex - The Credit Union Guide For Student Money Makers
It’s fun. It’s exciting. It’s educational. It’s Googolplex, our guide for student moneymakers. Available at our Youth Zone page. Click here to read more…

 
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  Copyright 2008 Saratoga's Community Federal Credit Union. All rights reserved