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Saratoga’s Community Federal Credit Union

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Saratoga’s Community Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Saratoga’s Community Federal Credit Union?

Current rates for Saratoga’s Community Federal Credit Union include: 12-Month CD: 1.45%, 24-Month CD: 1.55%, 60-Month CD: 1.85%, Savings: 0.25%, MMA: 0.80%

Q: What CD terms does Saratoga’s Community Federal Credit Union offer?

Saratoga’s Community Federal Credit Union CD rates are 1.45% APY for a 12 month CD, 1.55% APY for a 2 year CD, 2.50% APY for a 3 year CD, 2.50% APY for a 4 year CD and 1.85% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Saratoga’s Community Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Saratoga’s Community Federal Credit Union's 12 Month CD - Promotional rates are at 2.50%, 24 Month CD - Promotional rates are at 2.50%, 36 Month CD - Promotional rates are at 2.50%, 48 Month CD - Promotional rates are at 2.50%, 60 Month CD - Promotional rates are at 2.50%. Saratoga’s Community Federal Credit Union's savings rates are at 0.25%. Saratoga’s Community Federal Credit Union's money market rates are at 0.80%. Saratoga’s Community Federal Credit Union's checking rates are as high as 0.05%. Saratoga’s Community Federal Credit Union's Personal Loan Rates are as low as 12.00%. Saratoga’s Community Federal Credit Union's CD rates are 44% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Saratoga’s Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.17%. Rates last updated and verified on 10/30/2026.

Saratoga’s Community Federal Credit Union 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 Federal Credit Union? Share your experience about Saratoga’s Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Saratoga’s Community Federal Credit Union.

Verified Healthy 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 Federal Credit Union
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 Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share Certificate - Promotional	2.472%	2.50%	12 Month
Min Deposit $500 Details New Money Required; Promotional rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
24 Month Share Certificate - Promotional	2.472%	2.50%	24 Month
Min Deposit $500 Details New Money Required; Promotional rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
36 Month Share Certificate - Promotional	2.472%	2.50%	36 Month
Min Deposit $500 Details New Money Required; Promotional rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
48 Month Share Certificate - Promotional	2.472%	2.50%	48 Month
Min Deposit $500 Details New Money Required; Promotional rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
60 Month Share Certificate - Promotional	2.472%	2.50%	60 Month
Min Deposit $500 Details New Money Required; Promotional rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
6 Month Share Certificate - Promotional	2.227%	2.25%	6 Month
Min Deposit $500 Details New Money Required; Promotional rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
3 Month Share Certificate - Promotional	1.982%	2.00%	3 Month
Min Deposit $500 Details New Money Required; Promotional rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
60 Month Share Certificate	1.835%	1.85%	60 Month
Min Deposit $500 Details New Money Not Required Last Updated 10/30/2026 Rate History No change since Oct 6, 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 Days: 1,800 to 2,159 days; $500 minimum deposit on certificates; early withdrawal penalty 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 1.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
48 Month Share Certificate	1.736%	1.75%	48 Month
Min Deposit $500 Details New Money Not Required Last Updated 10/30/2026 Rate History No change since Oct 6, 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 Days: 1,440 to 1,799 days; $500 minimum deposit on certificates; early withdrawal penalty 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
36 Month Share Certificate	1.638%	1.65%	36 Month
Min Deposit $500 Details New Money Not Required Last Updated 10/30/2026 Rate History No change since Oct 6, 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 Days: 1,080 to 1,439 days; $500 minimum deposit on certificates; early withdrawal penalty 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 1.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
24 Month Share Certificate	1.539%	1.55%	24 Month
Min Deposit $500 Details New Money Not Required Last Updated 10/30/2026 Rate History No change since Oct 6, 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 Days: 720 to 1,079 days; $500 minimum deposit on certificates; early withdrawal penalty 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 1.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
60 Day Share Certificate - Promotional	1.49%	1.50%	60 Day
Min Deposit $500 Details New Money Required; Promotional rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
12 Month Share Certificate	1.44%	1.45%	12 Month
Min Deposit $500 Details New Money Not Required Last Updated 10/30/2026 Rate History No change since Oct 6, 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 Days: 360 to 719 days; $500 minimum deposit on certificates; early withdrawal penalty 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 1.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
6 Month Share Certificate	1.342%	1.35%	6 Month
Min Deposit $500 Details New Money Not Required Last Updated 10/30/2026 Rate History No change since Oct 6, 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 Days: 180 to 359 days; $500 minimum deposit on certificates; early withdrawal penalty 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 1.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
3 Month Share Certificate	1.243%	1.25%	3 Month
Min Deposit $500 Details New Money Not Required Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
30 Day Share Certificate	1.243%	1.25%	30 Day
Min Deposit $500 Details New Money Not Required Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
60 Day Share Certificate	1.243%	1.25%	60 Day
Min Deposit $500 Details New Money Not Required Last Updated 10/30/2026 Rate History No change since Oct 6, 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 Days: 30 to 59 days; $500 minimum deposit on certificates; early withdrawal penalty 30 days dividends Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.25% APY · checked 4 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 Days: 60 to 89 days; $500 minimum deposit on certificates; early withdrawal penalty 30 days dividends Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 1.25% APY · checked 6 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 Days: 90 to 119 days; $500 minimum deposit on certificates; early withdrawal penalty 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Saratoga’s Community Federal Credit Union Business CD Rates

Product	Rate	APY	Term
12 Month Business Certificate	2.472%	2.50%	12 Months
Min Deposit $500 Details Days: 360 to 719; Promotional Rates - New Money Required; Early withdrawal penalty: 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.50% APY · checked 4 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 Days: 720 to 1,079; Promotional Rates - New Money Required; Early withdrawal penalty: 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.50% APY · checked 4 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 Days: 1,080 to 1,439; Promotional Rates - New Money Required; Early withdrawal penalty: 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.50% APY · checked 4 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 Days: 1,440 to 1,799; Promotional Rates - New Money Required; Early withdrawal penalty: 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.50% APY · checked 4 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 Days: 1,800; Promotional Rates - New Money Required; Early withdrawal penalty: 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Certificate - 12 month - Promotional (New Money Required)	2.472%	2.50%	12 Months
Min Deposit $500 Details Days: 360 to 719 days; Promotional rate, new money required; $500 minimum deposit on certificates; early withdrawal penalty is 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Certificate - 24 month - Promotional (New Money Required)	2.472%	2.50%	24 Months
Min Deposit $500 Details Days: 720 to 1,079 days; Promotional rate, new money required; $500 minimum deposit on certificates; early withdrawal penalty is 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Certificate - 36 month - Promotional (New Money Required)	2.472%	2.50%	36 Months
Min Deposit $500 Details Days: 1,080 to 1,439 days; Promotional rate, new money required; $500 minimum deposit on certificates; early withdrawal penalty is 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Certificate - 48 month - Promotional (New Money Required)	2.472%	2.50%	48 Months
Min Deposit $500 Details Days: 1,440 to 1,799 days; Promotional rate, new money required; $500 minimum deposit on certificates; early withdrawal penalty is 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Certificate - 60 month - Promotional (New Money Required)	2.472%	2.50%	60 Months
Min Deposit $500 Details Days: 1,800 days; Promotional rate, new money required; $500 minimum deposit on certificates; early withdrawal penalty is 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 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 Days: 180 to 359; Promotional Rates - New Money Required; Early withdrawal penalty: 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Certificate - 6 month - Promotional (New Money Required)	2.227%	2.25%	6 Months
Min Deposit $500 Details Days: 180 to 359 days; Promotional rate, new money required; $500 minimum deposit on certificates; early withdrawal penalty is 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 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 Days: 90 to 179; Promotional Rates - New Money Required; Early withdrawal penalty: 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Certificate - 3 month - Promotional (New Money Required)	1.982%	2.00%	3 Months
Min Deposit $500 Details Days: 90 to 179 days; Promotional rate, new money required; $500 minimum deposit on certificates; early withdrawal penalty is 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 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 Days: 1,800; Standard Rates - New Money Not Required; Early withdrawal penalty: 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.85% APY · checked 4 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 Days: 1,440 to 1,799; Standard Rates - New Money Not Required; Early withdrawal penalty: 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.75% APY · checked 4 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 Days: 1,080 to 1,439; Standard Rates - New Money Not Required; Early withdrawal penalty: 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.65% APY · checked 4 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 Days: 720 to 1,079; Standard Rates - New Money Not Required; Early withdrawal penalty: 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.55% APY · checked 4 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 Days: 60 to 89; Promotional Rates - New Money Required; Early withdrawal penalty: 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Certificate - 2 month - Promotional (New Money Required)	1.49%	1.50%	2 Months
Min Deposit $500 Details Days: 60 to 89 days; Promotional rate, new money required; $500 minimum deposit on certificates; early withdrawal penalty is 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 19, 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 Days: 360 to 719; Standard Rates - New Money Not Required; Early withdrawal penalty: 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.45% APY · checked 4 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 Days: 180 to 359; Standard Rates - New Money Not Required; Early withdrawal penalty: 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.35% APY · checked 4 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 Days: 60 to 89; Standard Rates - New Money Not Required; Early withdrawal penalty: 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.25% APY · checked 4 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 Days: 90 to 179; Standard Rates - New Money Not Required; Early withdrawal penalty: 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Certificate - 1 Month	1.243%	1.25%	1 Month
Min Deposit $500 Details Days: 30 to 59 days; Standard rate, new money not required; $500 minimum deposit on certificates; early withdrawal penalty is 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Saratoga’s Community Federal Credit Union 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 10/30/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
IRA Savings - IRA Shares	-	0.25%
Min Balance $50 Details Dividend on average daily balances of $50.00 or more Last Updated 10/30/2026 Rate History No change since Oct 19, 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 10/30/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Holiday Club	-	0.00%
Min Balance $5,000 Details Balance: Above $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 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Saratoga’s Community Federal Credit Union 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 10/30/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Saratoga’s Community Federal Credit Union 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 10/30/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 8 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 10/30/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 8 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 10/30/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Saratoga’s Community Federal Credit Union 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 10/30/2026 Rate History No change since Sep 30, 2026 · 0.80% APY · checked 8 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 10/30/2026 Rate History No change since Sep 30, 2026 · 0.40% APY · checked 8 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 10/30/2026 Rate History No change since Sep 30, 2026 · 0.23% APY · checked 8 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 10/30/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
High Yield Checking	-	0.05%
Details Minimum Balance Requirement:; Checking accounts earn dividends on average daily balances of $250.00 or more. Fees may reduce earnings. Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Premier Checking	-	0.05%
Details Minimum Balance Requirement:; Checking accounts earn dividends on average daily balances of $250.00 or more. Fees may reduce earnings. Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Basic Checking	-	0.00%
Details Minimum Balance Requirement:; Checking accounts earn dividends on average daily balances of $250.00 or more. Fees may reduce earnings. Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Money Market Checking	0.00%	0.00%
Min Balance $250,000 Details Balance: $250,000 and over; Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000. Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Saratoga’s Community Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	-	0.00%
Details Dividend on average daily balances of $50.00 or more. Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Saratoga’s Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Outdoor Activity Vehicle Loan	-	-	4.50%	Up to 60 months
Details ATV, UTV, Snowmobile, Waverunner & more; Variable Rate/Fixed Payment; Introductory APR first 6 months; After Introductory Period: Prime + 4.00% Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 4.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Auto, Truck, Motorcycle	-	-	6.75%	24 months
Details Thanku Loyalty Discounts; Annual Percentage Rate (Fixed) Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Auto, Truck, Motorcycle	-	-	7.25%	25-36 months
Details Thanku Loyalty Discounts; Annual Percentage Rate (Fixed) Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 7.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Auto, Truck, Motorcycle	-	-	7.75%	37-48 months
Details Thanku Loyalty Discounts; Annual Percentage Rate (Fixed) Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 7.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Auto, Truck, Motorcycle	-	-	8.00%	49-60 months
Details Thanku Loyalty Discounts; Annual Percentage Rate (Fixed) Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 8.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Auto, Truck, Motorcycle	-	-	8.50%	61-72 months
Details Thanku Loyalty Discounts; Annual Percentage Rate (Fixed) Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 8.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Auto, Truck, Motorcycle	-	-	8.75%	73-84 months
Details Thanku Loyalty Discounts; Annual Percentage Rate (Fixed) Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 8.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Outdoor Activity Vehicles Loan	-	-	9.00%	Up to 60 months
Details ATV, UTV, Snowmobile, Personal Watercraft; Annual Percentage Rate (Fixed) Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Saratoga’s Community Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat & Recreational Vehicle Loan	-	4.50%	Up to 120 months
Details Variable Rate/Fixed Payment; Introductory APR first 6 months; After Introductory Period: Prime + 3.00% Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 4.50% APR · checked 8 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); footnote 3 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 8.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Saratoga’s Community Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Unsecured Loan	12.00%	Up to 60 months
Details Annual Percentage Rate (Fixed) Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 12.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Saratoga’s Community Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loan	-	-	8.25%	Up to 36 months
Details Annual Percentage Rate (Fixed); Home Improvement loan (footnote 6) Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Home Improvement Loan	-	-	8.50%	37-48 months
Details Annual Percentage Rate (Fixed); Home Improvement loan (footnote 6) Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Home Improvement Loan	-	-	8.75%	49-60 months
Details Annual Percentage Rate (Fixed); Home Improvement loan (footnote 6) Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Home Improvement Loan	-	-	9.00%	61-72 months
Details Annual Percentage Rate (Fixed); Home Improvement loan (footnote 6) Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Home Improvement Loan	-	-	10.25%	73-84 months
Details Annual Percentage Rate (Fixed); Home Improvement loan (footnote 6) Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Certificate - 12 Months	1.44%	-	1.45%	12 Months
Min Deposit $500 Details Days: 360 to 719 days; Standard rate, new money not required; $500 minimum deposit on certificates; early withdrawal penalty is 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 1.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Certificate - 2 Months	1.243%	-	1.25%	2 Months
Min Deposit $500 Details Days: 60 to 89 days; Standard rate, new money not required; $500 minimum deposit on certificates; early withdrawal penalty is 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Certificate - 24 Months	1.539%	-	1.55%	24 Months
Min Deposit $500 Details Days: 720 to 1,079 days; Standard rate, new money not required; $500 minimum deposit on certificates; early withdrawal penalty is 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 1.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Certificate - 3 Months	1.243%	-	1.25%	3 Months
Min Deposit $500 Details Days: 90 to 179 days; Standard rate, new money not required; $500 minimum deposit on certificates; early withdrawal penalty is 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Certificate - 36 Months	1.638%	-	1.65%	36 Months
Min Deposit $500 Details Days: 1,080 to 1,439 days; Standard rate, new money not required; $500 minimum deposit on certificates; early withdrawal penalty is 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 1.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Certificate - 48 Months	1.736%	-	1.75%	48 Months
Min Deposit $500 Details Days: 1,440 to 1,799 days; Standard rate, new money not required; $500 minimum deposit on certificates; early withdrawal penalty is 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Certificate - 6 Months	1.342%	-	1.35%	6 Months
Min Deposit $500 Details Days: 180 to 359 days; Standard rate, new money not required; $500 minimum deposit on certificates; early withdrawal penalty is 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 1.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Certificate - 60 Months	1.835%	-	1.85%	60 Months
Min Deposit $500 Details Days: 1,800 days; Standard rate, new money not required; $500 minimum deposit on certificates; early withdrawal penalty is 90 days dividends Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 1.85% APY · checked 5 times 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 10/30/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Saratoga’s Community Federal Credit Union’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 Federal Credit Union 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 Federal Credit Union 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 Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Saratoga’s Community Federal Credit Union

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

2026 MBR Health & Safety Badge

Saratoga’s Community Federal Credit Union 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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Frequently Asked Questions About Saratoga’s Community Federal Credit Union

Does Saratoga’s Community Federal Credit Union offer CDs?

Yes. Saratoga’s Community Federal Credit Union current CD rates include its 12 Month CD - Promotional at 2.50% APY, its 24 Month CD - Promotional at 2.50% APY and its 36 Month CD - Promotional at 2.50% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Saratoga’s Community Federal Credit Union NCUA insured?

Yes. Saratoga’s Community Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Saratoga’s Community Federal Credit Union?

The highest Saratoga’s Community Federal Credit Union CD rate is its 12 Month Business CD at 2.50% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Saratoga’s Community Federal Credit Union offer?

Saratoga’s Community Federal Credit Union CD rates are 1.45% APY for a 12 month CD, 1.55% APY for a 2 year CD, 2.50% APY for a 3 year CD, 2.50% APY for a 4 year CD and 1.85% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Saratoga’s Community Federal Credit Union for its full lineup.

What is the highest savings rate at Saratoga’s Community Federal Credit Union?

The highest Saratoga’s Community Federal Credit Union savings rate is its IRA Savings - IRA Shares at 0.25% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Saratoga’s Community Federal Credit Union?

The highest Saratoga’s Community Federal Credit Union money market rate is its Money Market Checking at 0.80% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Saratoga’s Community Federal Credit Union?

The highest Saratoga’s Community Federal Credit Union checking rate is its Money Market Checking at 0.80% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Saratoga’s Community Federal Credit Union?

The lowest Saratoga’s Community Federal Credit Union auto loan rate is its Outdoor Activity Vehicle Loan at 4.50% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Saratoga’s Community Federal Credit Union?

The lowest Saratoga’s Community Federal Credit Union personal loan rate is its Personal Unsecured Loan at 12.00% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Saratoga’s Community Federal Credit Union operate?

Saratoga’s Community Federal Credit Union 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 Federal Credit Union?

Yes, to access services at Saratoga’s Community Federal Credit Union, 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 Federal Credit Union 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 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Saratoga’s Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Saratoga’s Community Federal Credit Union 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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Saratoga’s Community Federal Credit Union rates compare?

Saratoga’s Community Federal Credit Union's CD rates are 44% lower than the MonitorBankRates national average, and it has an A+ health rating. Saratoga’s Community Federal Credit Union's top rates are its 12 Month Business CD at 2.50% APY, its IRA Savings - IRA Shares at 0.25% APY, its Money Market Checking at 0.80% APY, its High Yield Checking at 0.05% APY and its Personal Unsecured Loan at 12.00% APR, verified by MonitorBankRates on October 30, 2026.

Current Saratoga’s Community Federal Credit Union Rates

12-Month CD1.45%
24-Month CD1.55%
60-Month CD1.85%
Savings0.25%
MMA0.80%

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

Compare to Other Credit Unions

Saratoga’s Community Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Saratoga’s Community Federal Credit Union Texas Ratio

Saratoga’s Community Federal Credit Union Health Trend

Saratoga’s Community Federal Credit Union CD Rates

Saratoga’s Community Federal Credit Union Business CD Rates

Saratoga’s Community Federal Credit Union Savings Rates

Saratoga’s Community Federal Credit Union Business Savings Rates

Saratoga’s Community Federal Credit Union Business Money Market Rates

Saratoga’s Community Federal Credit Union Checking Rates

Saratoga’s Community Federal Credit Union Business Checking Rates

Saratoga’s Community Federal Credit Union Auto Loan Rates

Saratoga’s Community Federal Credit Union RV, Boat and Powersport Loan Rates

Saratoga’s Community Federal Credit Union Personal Loan Rates

Saratoga’s Community Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Saratoga’s Community Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Saratoga’s Community Federal Credit Union

Does Saratoga’s Community Federal Credit Union offer CDs?

Are CDs from Saratoga’s Community Federal Credit Union NCUA insured?

What is the highest CD rate at Saratoga’s Community Federal Credit Union?

What CD terms does Saratoga’s Community Federal Credit Union offer?

What is the highest savings rate at Saratoga’s Community Federal Credit Union?

What is the highest money market rate at Saratoga’s Community Federal Credit Union?

What is the highest checking rate at Saratoga’s Community Federal Credit Union?

What is the lowest auto loan rate at Saratoga’s Community Federal Credit Union?

What is the lowest personal loan rate at Saratoga’s Community Federal Credit Union?

How many branches does Saratoga’s Community Federal Credit Union operate?

Is a member application needed to join Saratoga’s Community Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Saratoga’s Community Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Saratoga’s Community Federal Credit Union rates compare?

Current Saratoga’s Community Federal Credit Union Rates

Compare to Other Credit Unions