Saratoga's Community Federal Credit Union

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A short history of Saratoga's Community FCU

Since its inception in 1945 the Saratoga's Community Federal Credit Union has been serving its members in the SARATOGA SPRING, New York area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Donald Denofio, the Saratoga's Community FCU has grown its membership to over 6,155 with assets of more than $41,544,482. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (518) 583-2323 or email them at saratogafcu@saratogafcu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in SARATOGA SPRING, NY.

General Information For Saratoga's Community FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 5252
Address 23 DIVISION ST 
City SARATOGA SPRING 
State New York 
Zip-Code 12866
Phone Number (518) 583-2323
Fax Number (518) 583-9143
Email Address: saratogafcu@saratogafcu.org
CEO/President Donald Denofio
Members 6,155 
Full-Time Employees 15 
Part-Time Employees
Number of Branch Offices
Total Assets 41,544,482 
Website http://saratogafcu.org 

Compare Saratoga's Community Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
S I Employees CU SI Cr Union 233 Ballston Ave 12866 (518) 584-4100 No 2.43
Stewart's CU Stewart's FCU 2911 State Route 9 12866 (518) 581-1201 No 2.94
Tct CU Cambridge 17 Gilbert St 12816 (518) 677-2676 No 4.88
Hudson River Community CU Troy Branch 40 Leversee Rd 12182 (518) 237-1121 No 13.86
Stratton Air National Guard CU 1 air national guard rd 1 air national guard rd 12302 (518) 372-1254 No 16.08

Saratoga's Community Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


Saratoga's Community Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 7.57 3.77 3.14 4.53 4.41
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 66 247 108 208 156
Rank Among All New York Credit Unions 7 97 36 73 48

Saratoga's Community Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.16 0.10 0.10 0.84 0.82
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 106 129 134 200 182
Rank Among All New York Credit Unions 14 34 37 45 43
Saratoga's Community Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 7.5701,0364,707,522
All Other Unsecured Loans/Lines of Credit 8.3703821,402,455
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 6.250651,606,042
New Vehicle Loans 3.77040415,420
Used Vehicle Loans 3.1405623,224,153
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.5301486,482,759
Total Other Real Estate Loans/Lines of Credit 4.4101907,222,089
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 7.180871,130,560
TOTAL LOANS & LEASES 2,51026,191,000

Saratoga's Community Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 843,825,08091,575,054
    b. 15 Years or less 592,239,6664737,645
Balloon/Hybrid
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 5418,0131253,650

OTHER REAL ESTATE

Closed-End Fixed Rate 581,141,9935393,121
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1286,042,45511132,040
Open-End Fixed Rate 437,64100
TOTALS 33813,704,848303,091,510

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Saratoga's Community Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes