Saratoga's Community Federal Credit Union

Popular Accounts at this Credit Union

0.20%5-year CD1,800 Day Share Certificate
0.15%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 130th largest credit union in the state of New York. It is also the 2,553rd largest credit union in the nation. It was established in 1945 and as of June of 2018, it had grown to 12 employees and 6,010 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


No reviews have been left for this bank yet. Be the first to review.

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 - YTD0.12%
Return on Equity - YTD1.96%
Annual Interest Income$931.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$40.8MM$41.5MM
LoansQ2 2018vs Q2 2017$31.0MM$26.2MM
DepositsQ2 2018vs Q2 2017$38.2MM$39.0MM
Equity CapitalQ2 2018vs Q2 2017$2.6MM$2.5MM
Loan Loss AllowanceQ2 2018vs Q2 2017$357.00K$481.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$393.00K$534.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Saratoga's Community Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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$250k1,800 Day Share Certificate
0.20%$500$250kBusiness 1,800 Day Share Certificate
0.15%$500$250k360 - 719 Day Share Certificate
0.15%$500$250k720 - 1,079 Day Share Certificate
0.15%$500$250k1,080 - 1,439 Day Share Certificate
0.15%$500$250k1,440 - 1,799 Day Share Certificate
0.15%$500$250kBusiness 360 - 719 Day Share Certificate
0.15%$500$250kBusiness 720 - 1,079 Day Share Certificate
0.15%$500$250kBusiness 1,080 - 1,439 Day Share Certificate
0.15%$500$250kBusiness 1,440 - 1,799 Day Share Certificate
0.10%$500$250k180 - 359 Day Share Certificate
0.10%$500$250kBusiness 180 - 359 Day Share Certificate
0.05%$500$250k90 - 179 Day Share Certificate
0.05%$500$250kBusiness 90 - 179 Day Share Certificate

Saratoga's Community Federal Credit Union IRA Rates

0.20%$500$250k1,800 - 2,159 Day IRA
0.20%$500$250k2,160 - 2,519 Day IRA
0.20%$500$250k2,520 Day IRA
0.15%$500$250k360 - 719 Day IRA
0.15%$500$250k720 - 1,079 Day IRA
0.15%$500$250k1,080 - 1,439 Day IRA
0.15%$500$250k1,440 - 1,799 Day IRA
0.10%$500$250k180 - 359 Day IRA
0.05%$500$250k30 - 59 Day IRA
0.05%$500$250k60 - 89 Day IRA
0.05%$500$250k120 - 179 Day IRA
0.05%$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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.