Overview / Commentary
23 Division St
Saratoga Springs, NY 12866

Saratoga's Community Federal Credit Union is headquartered in Saratoga Springs and is the 129th largest credit union in the state of New York. It is also the 2,588th largest credit union in the nation. It was established in 1945 and as of September of 2018, it had grown to 12 employees and 5,945 members at 2 locations. Saratoga's Community Federal Credit Union has a C health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in, or businesses and other legal entities located in Saratoga County, NY.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Saratoga's Community Federal Credit Union has a low asset base.

Health Grade Components

NCUA #5252
Year Chartered1945
Primary Regulator
Profit Margin
Return on Assets - YTD0.18%
Return on Equity - YTD2.84%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$39.1MM$40.9MM
LoansQ3 2018vs Q3 2017$31.5MM$28.0MM
DepositsQ3 2018vs Q3 2017$36.5MM$38.4MM
Equity CapitalQ3 2018vs Q3 2017$2.6MM$2.5MM
Loan Loss AllowanceQ3 2018vs Q3 2017$357.00K$437.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$381.00K$357.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Saratoga's Community Federal Credit Union Savings Account Rates

0.25%$50-IRA Share
0.10%$50-Savings Account
0.10%$50-Sub-Accounts Savings
0.10%$50-Student Account
0.10%$50-Holiday Club
0.10%$50-Vacation Club
0.10%$50-Summer Loan Payment Savings
0.10%$50-Special Savings
0.10%$50-Business Savings
0.10%$50-Business Sub-Accounts

Saratoga's Community Federal Credit Union Money Market Rates

0.10%$50-Money Market Account
0.10%$2.5k-Business Money Market

Saratoga's Community Federal Credit Union Checking Account Rates

1.00%*$250*$5kHigh Yield Checkinig
OTHER TIERS: 0.25% $5k+
0.25%$250-Interest Checking

Saratoga's Community Federal Credit Union CD Rates

0.20%$500$250k5 Year Share Certificate
0.20%$500$250kBusiness 5 Year Share Certificate
0.15%$500$250k12 Month Share Certificate
0.15%$500$250k2 Year Share Certificate
0.15%$500$250k3 Year Share Certificate
0.15%$500$250k4 Year Share Certificate
0.15%$500$250kBusiness 12 Month Share Certificate
0.15%$500$250kBusiness 2 Year Share Certificate
0.15%$500$250kBusiness 3 Year Share Certificate
0.15%$500$250kBusiness 4 Year Share Certificate
0.10%$500$250k6 Month Share Certificate
0.10%$500$250kBusiness 6 Month Share Certificate
0.05%$500$250k3 Month Share Certificate
0.05%$500$250kBusiness 3 Month Share Certificate

Saratoga's Community Federal Credit Union IRA Rates

0.20%$500$250k5 Year IRA
0.20%$500$250k6 Year IRA
0.20%$500$250k7 Year IRA
0.15%$500$250k12 Month IRA
0.15%$500$250k2 Year IRA
0.15%$500$250k5 Year IRA
0.15%$500$250k4 Year IRA
0.10%$500$250k6 Month IRA
0.05%$500$250k1 Month IRA
0.05%$500$250k2 Month IRA
0.05%$500$250k4 Month IRA
0.05%$500$250k3 Month IRA

Saratoga's Community Federal Credit Union Locations
Branch Office23 Division StSaratoga Springs, NY 12866-2113
Administrative Office433 Broadway Ste 204Saratoga Springs, NY 12866-2367

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