Saratoga's Community Federal Credit Union offers a deposit program to meet just about everyone's needs. Our deposit accounts offer very competitive dividend rates along with little or no fees.
Performance PLUS Checking Account
- No charge for eDeposit - Deposit your checks from home
- No minimum balance fees
- $2.00 monthly service charge
- Dividends on average daily balances of $250 or more
- No per check charges
- No charge for Saratoga's Text Connection mobile banking
- Saratoga's Connection Card for convenient account access
- No charge for pc-BRANCH on-line home banking
- No charge for pc-BILLPAY on-line bill payment
- First 12 starter checks free [on the spot]
- Monthly E-Statement or hard copy account statement
- CA$HFlow Credit (Overdraft Protection)
- Convenient online reordering of your checks, click here to reorder now
Performance Checking Account
- No minimum balance fees
- No monthly service charges
- No dividends
- No per check charges
- No charge for Saratoga's Text Connection mobile banking
- No charge for pc-BRANCH on-line home banking
- No charge for pc-BILLPAY on-line bill payment [through 12/31/09]
- Saratoga's Connection Card for convenient account access
- First 12 starter checks free (on the spot)
- Monthly E-Statement or hard copy account statement
- CA$HFlow Credit (Overdraft Protection)
- Convenient online reordering of your checks, click here to reorder now
Savings Accounts
Membership Account required balance of $5.00. Opening this account allows you all the products and services that we offer.
Savings Accounts
- Saratoga's Connection Card for account access at all ATM's and Price Chopper Convenience Centers
- Escrow Account - an account for those who like to set money away for those tax obligations
- Special Account - an account for just about any worthwhile purpose you decide
- Vacation Club - an account for planning that well deserved vacation get away
- Holiday Club - an account for the holiday season. There is no penalty if you miss a week, change the amount, or need to make an early withdrawal
- Summer Loan Payment Account - many of our members who work within the school district already know, there is no paycheck received in the summer. Have no fear; make regular deposits to this account throughout the school year and we will make those summer loan payments for you automatically, all summer long.
- All our regular and sub-share accounts earn dividends on average daily balances of $50.00 or more.
Student Accounts
- Student accounts are designed especially for our younger savers under the age of 18
- Members deposit right from the classroom at various schools
- A great way to learn the value of saving and the value of credit union membership
- Dividends on average daily balances of $50.00 or more
Money Market Account
- An account designed for the more aggressive saver who does not really want to tie up funds for any specified length of time
- Dividends on average daily balances of $50.00 or more
Certificate Accounts
You can invest in share certificates with terms from 6 months to 36 months:
- $500 minimum deposit on certificates
- $250,000 maximum deposit on certificates
- IRA Certificates also available
- We may impose a penalty if you withdraw any of the principal before the maturity date. The amount of the early withdrawal penalty for your account is 90 days dividends.
IRA Accounts For Current Rates and Terms Click Here
Save on taxes while you build that individual retirement account. It's a great way to supplement your pension and social security, We offer the Traditional, Roth, and Educational IRAs.
- You can invest in IRA certificates with terms from 6 months to 36 months
- $500 minimum deposit on certificates
- $250,000 maximum deposit on certificates
- We may impose a penalty if you withdraw any of the principal before the maturity date. The amount of the early withdrawal penalty for your account is 90 days dividends.
