Stewart'S

PO Box 435, Saratoga Spring, NY 12866

NCUA Insured4.1 (9 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1983

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Saratoga Spring, NY may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1983

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

PO Box 435

Saratoga Spring, NY 12866

Google Maps 🗺Waze

(518) 581-1201

Service Area

This credit union is located in Saratoga Spring and serves members in the NY area. Currently serving 4,367 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.86%

Used Auto Loan

6.05%

Personal Loan

11.29%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NY

Lowest rates currently reported by credit unions in NY (NCUA Q4 2025).

Niagara'S Choice— New Auto Loan

Niagara Falls, NY

1.74%

New York Times Employees— Used Auto Loan

New York, NY

2.49%

Palisades— Personal Loan

Pearl River, NY

2.99%

Eastern Operating Engineers— Credit Card APR

Whitestone, NY

3.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.1

9 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Zero Sum Buddha

5 months ago

Ive been a member of this credit union for over 20 years. Loved their service. Lately I dont know what is going on. They changed their website and the new one is horrible. The graphics are bad compared to the last one and it is a lot more convoluted to use. Also Angie and Kaitlin need to be put through some customer service training classes as they are very rude and unprofessional. Not only that but transaction history only gores back to November 1 of 2025 so all my records are now gone thanks to Stewarst FCU and changing carrier for cell phone.. So yeah thanks for making it so I dont have any freakin records of my transactions.