Saratoga Federal Credit Union

Products We Offer

Undergraduate Student Loans

Fill the funding gap left when scholarships, grants, and federal aid aren’t enough.

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Student Loan Refinance

Repay your loans on your terms – choose the rate and repayment term that fit your needs.

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Undergraduate Student Loans

Flexible funding for college with repayment terms to fit your needs. Pay for tuition, housing, books, and more.

Variable rates starting at

11.25% APR*

Student Loan Refinance

Combine loans, adjust your payment, or lower your interest rate to fit your repayment plan.

Variable rates starting at

11.25% APR*

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Credit Union Information

23 Division Street

Saratoga Springs, NY 12866

Visit credit union website.

(518) 583-2323

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Membership in Saratoga's Community FCU is available to persons who live, work, worship, or attend school in Saratoga County, NY. Businesses and other legal entities in Saratoga County and immediate family members of existing credit union members are also eligible. Expanded FOM in 2024 to include Washington, Fulton, Montgomery, & Warren counties.

Learn more about the benefits of credit union membership.

* APR = Annual Percentage Rate. Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments. Variable rates subject to increase after consummation. Rates vary by credit union and depend on credit union membership eligibility. Please use our search tool to find the lowest rate for which you may be eligible.