Both these objects need more magnification than a binocular can give to be worth observing. In particular, I've found that at least 25x is needed to even _detect_ Saturn's ring; to see it well requires at least 100x. While you can see a bit more detail on the Moon with a binocular, even the smallest telescope which show you much more.
The least expensive telescopes with adequate quality for satisfying observations are these Newtonian reflectors on Dobsonian mounts:
http://www.telescope.com/control/category/~category_id=dobsonians/~pcategory=telescopes/~VIEW_INDEX=0/~VIEW_SIZE=1000000
http://www.skywatchertelescope.net/swtinc/product.php?class1=1&class2=106