Consumer Loans       To apply Click Here!

Saratoga's Community Federal Credit Union offers highly competitive rates on its consumer loans. These loans can be used for a wide range of purposes from that vacation getaway to that household appliance you've been needing. We offer flexible terms up to 60 months. With loan amounts $20,000.

CA$HFlow Credit (Overdraft Protection)

Saratoga's Community Federal Credit Union offers Overdraft Protection to compliment our checking account. The Overdraft Line of Credit has limits available from $250 to $20,000. Get the added protection you deserve today.

CU Education Loans

We understand that tuition, fees and room and board can add up. But, the college experience is worth every penny. That’s why we offer a private education loan program up to $5,000 per year for undergraduate students. In addition, our education loan program can be used to pay senior high school tuition for private schools.

We encourage all of our members to maximize scholarships, grants, and federal loans before applying for a private education loan. If these sources of aid fall short, a CU Education loan can help. Whether you need a little money to help pay expenses or have to cover your cost of education, a CU Education loan can help you get the money you need to pay for college and private schools.

Certificate Account Secured Loans

Saratoga's Community Federal Credit Union offers a certificate secured loan in which your certificate is used as collateral for the loan. These loans are offered at a very competitive rate. The certificate secured loan can also be one of the least expensive ways to borrow. It is also a great loan to establish or rebuild your credit rating. Loan amounts available up to your available share certificate balance. Terms are available up to the maturity date of the certificate with the payment based on that term. Interest only payments required and any additional payment will be applied toward principal.

Savings Secured Loan

Saratoga's Community Federal Credit Union offers a savings secured loan in which your savings are used as collateral for the loan. These loans are offered at a very competitive rate. The savings secured loan can also be one of the least expensive ways to borrow. It is also a great loan to establish or rebuild your credit rating. Loan amounts available up to your available share balance. Terms are available up to 60 months with a minimum monthly payment of $35.00.

Savings Secured Line of Credit

Saratoga's Community Federal Credit Union offers a savings secured line of credit in which your savings are used as collateral for this line of credit. The savings secured line of credit can also be one of the least expensive ways to borrow because it is offered at a very competitive rate. Advances can be made over the phone and deposited to your checking account. Limits depend on your available savings balance. We offer flexible repayment terms and you don't have to fill out an application every time you want an advance. It is also a great loan to establish or rebuild your credit rating.