Saratoga Spring, NY 12866
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Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Saratoga's Community is an NCUA insured institution located in Saratoga Spring, NY. It was founded in 1945 and has approximately $40.38 millions in assets.

NCUA Insured Yes
Charter Number # # 5252
Date Established 1945
Assets $40.38 million
Loans $34.54 million
Deposits $37.43 million
Capital $2.96 million

Deposit Rates - October 28, 2020

Your Current Location: Virginia, VA 20146

We do not yet have rates for Saratoga's Community

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Loan Rates - October 28, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for SARATOGA'S COMMUNITY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.674% 2.625% 0.63 $1,595 $1,005 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

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Financial Details

Saratoga's Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Saratoga's Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Saratoga's Community U.S. Average
38.31% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Saratoga's Community had $1,172,485 in non-current loans and $28,774 in owned assets. To cover these potential losses it had $2,955,894 in net worth and $179,784 in loans loss reserves. That gives it a Texas Ratio of 38.31%.

Net Worth
Saratoga's Community U.S. Average
7.51% 13.61%

Saratoga's Community FCU has a net worth of 7.51% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Saratoga's Community

Branches and Savings

What is Saratoga's Community?

A federal credit union, registered with the NCUA under certificate #5252.
Learn more about credit unions here.

Is Saratoga's Community FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Saratoga's Community?

Please see Field of Membership information above for information on who is eligible to join.

What are Saratoga's Community's share account and share certificate rates?

Saratoga's Community's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Saratoga's Community?

Saratoga's Community has total capital of $2.96 million. Full information on Saratoga's Community's financial position is located above.

Who owns Saratoga's Community?

Credit Unions are owned by their members.

Where are Saratoga's Community branches located?

See branch locations nearby.

Are Saratoga's Community ATMs Open 24/7?

Do Saratoga's Community ATMs accept cash deposits?

Can Saratoga's Community customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Saratoga's Community have a mobile app?

Does Saratoga's Community have mobile deposit?

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Does Saratoga's Community report to credit bureaus?

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What Products Does Saratoga's Community Offer

Does Saratoga's Community offer mortgages?

Compare mortgage rates here.

Does Saratoga's Community offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Saratoga's Community offer auto and RV loans?

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Does Saratoga's Community offer student loans or personal loans?

Compare personal loan rates here.

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