Saratoga’s Community Credit Union Saratoga Springs NY | Affordable Auto Loans & Low Mortgage Rates

Introduction

Welcome to Saratoga's Community, your trusted partner in financial well-being located at 23 Division St, Saratoga Springs, NY 12866. Established in 1945, we have proudly served our community for over seven decades, nurturing a membership of 5,322 individuals who rely on us for their banking needs. With total assets exceeding $55,737,776 and deposits reaching $2,062,850, we are dedicated to ensuring that your hard-earned money is safe and growing. At Saratoga's Community, we understand the importance of personal relationships. Our team of 19 employees, led by CEO Donald Denofio and Board President Jane Decoteau, is committed to providing personalized service that makes a real difference in your financial journey. From auto loans and mortgages to savings accounts and credit cards with rewards, our range of services is designed with you in mind. While members can visit us at our branch address, official correspondence should be sent to the same location: 23 Division St, Saratoga Springs, NY 12866-2113. We invite you to explore the many ways we can assist you our online banking options make managing your finances easier than ever. Join us today and discover why so many families in Saratoga Springs trust us with their financial futures. For more information or if you have any questions, feel free to call us at 518-583-2323. Your financial health is our priority!

Branch History & Mission

At Saratoga's Community, we take pride in our rich history and commitment to serving the community. Established in 1945, our branch has been a cornerstone of financial support for families and businesses in Saratoga Springs, NY. Located at 23 Division St, we are conveniently situated near local landmarks that make us an accessible choice for members of our vibrant community. Over the years, Saratoga's Community has grown significantly. Today, we proudly serve over 5,322 members, with total assets reaching an impressive $55,737,776. Our growth reflects our dedication to providing quality financial services tailored to the needs of our members. Whether you're looking for personal banking solutions or support for your business, we are here to help. Our mission is clear: to empower our members by offering exceptional financial services while fostering community spirit. We believe that everyone deserves access to fair and honest banking options. That's why we provide a range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. Additionally, our online and mobile banking options ensure you can manage your finances conveniently from anywhere. While members can visit us at 23 Division St for all their banking needs, official correspondence should be sent to our mailing address at 23 Division St, Saratoga Springs, NY 12866-2113. Our branch operates with welcoming hours Monday through Wednesday from 9 AM to 5 PM, Thursday and Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM making it easy for you to fit banking into your busy schedule. We also offer ATM availability and have a shared service center for basic transactions with partner credit unions. Although we do not currently provide drive-thru services, our friendly staff is always ready to assist you inside. Saratoga's Community thrives on partnerships and outreach efforts designed to uplift our community. We actively engage in local events and initiatives that benefit the residents of Saratoga Springs and surrounding areas. By joining us, you're not just becoming a member; you're becoming part of a movement dedicated to making a positive impact. If you're looking for a financial partner who truly cares about your well-being and the health of your community, we invite you to join us at Saratoga's Community. Experience firsthand the benefits of membership today! For more information or assistance, feel free to call us at 518-583-2323 or visit our website at saratogafcu.org.

Branch Location & Accessibility

Convenient Access and Features

Our branch is designed with your comfort in mind. We have ample parking available right outside, and our facilities are ADA compliant, ensuring that everyone can access our services without hassle. Although we don't have drive-thru banking available, our lobby offers a warm and welcoming atmosphere where you can meet with our friendly staff.

Get in Touch

We invite you to visit us soon! If you have any questions or need assistance before stopping by, feel free to give us a call at 518-583-2323. Our team is excited to help you with all your banking needs!

Operating Hours

We understand that life can get busy, so we've made it simple for you to visit us during convenient hours. Our lobby is open Monday through Wednesday from 9 AM to 5 PM, Thursday and Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. We're closed on Sundays, but our dedicated team is here during the week to assist you.

Services Offered

At Saratoga's Community, we provide a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to loans for vehicles and mortgages, we've got you covered. Plus, with ATM availability right here at our branch, accessing your funds is quick and easy. If you're a member of a partner credit union, you can also take advantage of basic shared branch transactions at our location. Just step inside or use our ATM for withdrawals and balance checks it's all part of our commitment to serving you better!

Member Eligibility

At Saratoga's Community, we believe in creating a welcoming space where you can thrive financially. Becoming a member is more than just opening an account; it's about joining a community that values your needs and supports your financial journey. If you live, work, or worship in Saratoga Springs or surrounding areas, you're likely eligible to join us! We embrace individuals and families from all walks of life, making it easy for you to access our services tailored just for you. For those curious about specific eligibility requirements, we encourage you to visit our website at Saratoga's Community Eligibility for detailed information. Ready to start your membership? Opening an account with us is straightforward and quick. Our friendly team is here to guide you every step of the way. Simply call us at 518-583-2323 if you have any questions or want to get started today! You can also find more information on how to open an account by visiting Account Opening. Join us at 23 Division St, Saratoga Springs, NY 12866, and experience the benefits of being part of the Saratoga's Community family!

Business Banking & Commercial Services

Financing Options for Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work for You

In addition to loans, we offer practical merchant services that help streamline your operations. Whether you're processing payments at a brick-and-mortar store or online, our services ensure that transactions are smooth and secure. This means more time focusing on what matters most growing your business. Located conveniently at 23 Division St Saratoga Springs Ny 12866, Saratoga Springs, NY, we're here to partner with you on your journey toward success. For more information, give us a call at (518) 583-2323 or visit us online at 23 Division Street. Let's build your business together!

Comprehensive List Of Services

Business Banking Solutions

For our business members, we offer comprehensive Business Banking services including Merchant Services & Business Loans tailored to help you thrive in today's competitive market. Whether you're just starting out or looking to expand, we're here to support your business goals.

Convenient Digital Services

In today's fast-paced world, convenience matters. That's why we provide robust Online & Mobile Banking features. You can check balances, transfer money, and pay bills from anywhere right from your smartphone or computer. Our ATMs are available for easy Cash Withdrawals, along with basic shared branch transactions like deposits and withdrawals for partner credit union members.

Join Us Today!

At Saratoga's Community, we pride ourselves on offering services that not only meet but exceed our members' expectations. Whether you're visiting us in person or accessing services online, we're committed to making your banking experience as enjoyable as possible. Ready to explore all that we have to offer? Visit us at 23 Division Street, give us a call at (518) 583-2323, or stop by our branch at 23 Division St Saratoga Springs Ny 12866 in Saratoga Springs, NY today! Your financial journey starts here!

Personal Banking Made Easy

At Saratoga's Community, personal banking is designed to be straightforward and accessible. Our Checking & Savings Accounts offer you the flexibility and convenience you need for everyday transactions. Imagine having easy access to your funds with no hidden fees. We also provide Auto Loans & Vehicle Financing to help you get behind the wheel of your dream car without breaking the bank. If you're thinking about buying a home or refinancing your current mortgage, our Mortgage Loans & Refinancing options make the process smooth and stress-free. For those unexpected expenses or plans that require a little extra cash, our Personal Loans & Debt Consolidation services can help you manage your finances effectively.

Rewarding Credit Options

When it comes to credit, we believe in rewarding our members. Our Credit Cards with Rewards allow you to earn points on purchases that can be redeemed for travel, merchandise, or cashback. It's a simple way to make the most out of your spending.

Digital & Online Banking

Additional Features

Need to send money to a friend? Our person-to-person transfer option lets you do just that with ease. Whether splitting a bill or sending a gift, it's as simple as a few taps on your screen. With all these features combined, Saratoga's Community ensures that managing your finances is not only easy but also secure. We prioritize your safety with advanced security measures so you can bank confidently. Explore the world of digital banking with us today at saratogafcu.org and experience how effortless managing your money can be!

Key Services Offered

Our online banking service is available 24/7, so whether it's early morning or late at night, you can check your balance, transfer funds, and pay bills whenever it suits you. Plus, with electronic signature authorization available, signing documents is quick and hassle-free. For those who prefer to go paperless, we offer e-statements that allow you to view your financial information securely online. No more waiting for the mail your statements are ready for you when you need them. Managing payments has never been easier with our mobile payments feature. You can make purchases right from your smartphone without fumbling for cash or cards. And speaking of smartphones, our mobile application brings all these services right into the palm of your hand. Download it today and enjoy banking on the go!

Financial Strength

Commitment to Growth

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 is significant; we currently have $60,100 in used auto loans and a total of $50,647,915 in loans and leases available to help support your financial goals across various sectors.

Growing Member Base

We have a total of 9,218 share accounts, showing a strong and growing member base that trusts us with their finances. This reflects our dedication to serving you effectively while maintaining the utmost transparency regarding our financial practices. 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 23 Division St., Saratoga Springs NY 12866 or call 518-583-2323 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our current net income of $0, which allows us to continually focus on delivering competitive loan rates and solid financial products for our members. We 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.

Secure Savings Options

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.

Strong Financial Health

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $9,082,476 in used vehicle loans and $2,204,171 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used car, our competitive rates and flexible terms can make it easier for you to drive away happy.

Credit Lines

For those who need more flexibility, our total credit lines available are $3,500,000. These lines of credit can be useful for unexpected expenses or planned projects that require extra funding. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. If you're interested in any of these loan products or want to learn more about eligibility and refinancing options, don't hesitate to reach out! You can contact us at 518-583-2323 or visit us at our branch located at 23 Division St., Saratoga Springs NY 12866. Let Saratoga's Community support you in achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $14,845,783, make buying or refinancing simple. We aim to make your journey to owning a home as smooth as possible. If you're considering refinancing your current mortgage, we have options available to help lower your payments or tap into your home's equity.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $4,113,316 in loans helping members manage their finances effectively. Our credit cards come with rewards programs that can benefit your everyday spending while providing an easy way to manage cash flow.

Loan Aggregator

Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ), ensuring fair and transparent offers. This commitment to accuracy means users can trust that they are seeing genuine loan options.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users receive up-to-date loan rates from multiple institutions, allowing them to make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

SARATOGA'S COMMUNITY FEDERAL CREDIT UNION