Featured Savings Rates
Featured Accounts

Saratoga's Community Federal Credit Union

Popular Accounts at this Credit Union

1.00%5-year CD1,800 Day Share Certificate
0.20%1-year CD360 - 719 Day Share Certificate
0.10%SavingsSpecial Savings

Overview / Commentary
23 Division St
Saratoga Springs, NY 12866

Saratoga's Community Federal Credit Union is headquartered in Saratoga Springs and is the 131st largest credit union in the state of New York. It is also the 2,603rd largest credit union in the nation. It was established in 1945 and as of September of 2016, it had grown to 14 employees and 5,034 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.
See current membership details


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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 - YTD0.1%
Return on Equity - YTD1.5%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$39.0MM$37.8MM
LoansQ3 2016vs Q3 2015$26.7MM$30.3MM
DepositsQ3 2016vs Q3 2015$36.4MM$35.3MM
Equity CapitalQ3 2016vs Q3 2015$2.6MM$2.4MM
Loan Loss AllowanceQ3 2016vs Q3 2015$422.00K$437.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$590.00K$358.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$228.00K
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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
0.25%$50-Educational IRA Share
0.25%$50-Roth IRA Share
0.10%--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%$2,500-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

1.00%$500$250k1,800 Day Share Certificate
1.00%$500$250kBusiness 1,800 Day Share Certificate
0.60%$500$250k1,440 - 1,799 Day Share Certificate
0.60%$500$250kBusiness 1,440 - 1,799 Day Share Certificate
0.50%$500$250k1,080 - 1,439 Day Share Certificate
0.50%$500$250kBusiness 1,080 - 1,439 Day Share Certificate
0.40%$500$250k720 - 1,079 Day Share Certificate
0.40%$500$250kBusiness 720 - 1,079 Day Share Certificate
0.20%$500$250k360 - 719 Day Share Certificate
0.20%$500$250kBusiness 360 - 719 Day Share Certificate
0.15%$500$250k180 - 359 Day Share Certificate
0.15%$500$250kBusiness 180 - 359 Day Share Certificate
0.10%$500$250k90 - 179 Day Share Certificate
0.10%$500$250kBusiness 90 - 179 Day Share Certificate

Saratoga's Community Federal Credit Union IRA Rates

1.75%$500$250k2,520 Day IRA
1.50%$500$250k2,160 - 2,519 Day IRA
1.25%$500$250k1,800 - 2,159 Day IRA
1.00%$500$250k1,440 - 1,799 Day IRA
0.70%$500$250k1,080 - 1,439 Day IRA
0.50%$500$250k720 - 1,079 Day IRA
0.30%$500$250k360 - 719 Day IRA
0.20%$500$250k180 - 359 Day IRA
0.20%$500$250k120 - 179 Day IRA
0.10%$500$250k30 - 59 Day IRA
0.10%$500$250k60 - 89 Day IRA
0.10%$500$250k90 - 119 Day 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