SARATOGA'S COMMUNITY FEDERAL CREDIT UNION

Welcome to Saratoga's Community, your trusted partner in financial growth and community support. Located at 444 Geyser Rd, Ballston Spa, NY 12020, we have proudly served our members since our establishment in 1945. With a strong commitment to our community, we've grown to serve over 5,322 members who depend on us for their financial needs. At Saratoga's Community, we understand the importance of personal relationships and are dedicated to helping you achieve your financial goals. Our branch boasts total assets of $55,737,776 and total deposits of $2,062,850, reflecting our stability and reliability as a financial institution. With a robust portfolio that includes 2,541 loans, we are here to offer you tailored solutions whether you're looking for auto financing, mortgage assistance, or personal loans. Led by our experienced CEO Donald Denofio and Board President Jane Decoteau, our team of 19 dedicated employees is always ready to assist you. We believe that banking should be accessible and straightforward. That's why we offer services like online banking, mobile payments, and ATM access for your convenience. While members can visit us at 444 Geyser Rd, official correspondence should be sent to our mailing address at 23 Division St., Saratoga Springs, NY 12866. For any inquiries or assistance, feel free to give us a call at 518-583-2323. Join us today at Saratoga's Community and experience the difference of personalized banking with a focus on community impact. We look forward to welcoming you! For more information about our services or to apply for a loan, please visit our website at saratogafcu.org.

At Saratoga's Community, we believe that becoming a member is more than just opening an account; it's about joining a family that cares for your financial well-being. If you're wondering how to become part of our community, it's quite simple! We welcome individuals who live, work, or worship in the local area, along with their family members. This inclusive approach ensures that everyone has access to the benefits and services we offer. By becoming a member, you can enjoy personalized banking solutions, competitive rates on loans, and a supportive environment focused on your financial goals. To find out more about the specific eligibility criteria and ensure you meet all requirements, please visit our resource page at . Ready to get started? Opening an account is easy just head over to our account opening page at https://www.saratogafcu.org/borrowing/personal/apply-for-a-loan.aspx , or give us a call at (518) 583-2323 if you have any questions. We're here to help you every step of the way!

At Saratoga's Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand how important it is for you to feel confident in the institution that safeguards your money. That's why we are proud to share our strong financial foundation with you. With a net worth of $4,098,480, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 735 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $776,692 in share certificates and $9,635,600 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $4,626,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $2,544,955 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $6,010 in used auto loans and an impressive total of $50,647,915 in total loans and leases. Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 15 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts: 9,218, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Saratoga's Community is your trusted partner. Visit us at 444 Geyser Rd Ballston Spa Ny 12020 or call 518-583-2323 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*