Glasgow Warriors scrum-half Colin Gregor will team up with Saracens stand-off Gordon Ross whilst Edinburgh duo Mark Robertson and Roland Reid return to the wings.
The only change in the pack sees Glasgow flanker James Eddie re-instated to the blindside berth as Moffat anticipates a physical battle against a Saxons side in search of their fourth Churchill Cup title in six years.
Looking forward to the final, Moffat said: "We've taken a lot of positives from the first two games. The big challenge for us now is to raise the bar of performance once again and ultimately win the Churchill Cup.
"We know England are a big test for us because they're strong and powerful up front and have some game breakers behind the scrum. But whilst we respect that, we are concentrating on our own game.
"The Churchill Cup final is a positive and exciting challenge for us and everyone connected with the Scotland 'A' team is excited by the opportunity that lies ahead."
Scotland 'A' team to play England Saxons in the Barclays Churchill Cup final at Toyota Park, Chicago, on Saturday 21 June (kick-off 2pm)
15 Steve Jones (Newcastle Falcons)
14 Mark Robertson (Edinburgh)
13 Rob Dewey (Ulster)
12 Calum MacRae (Edinburgh)
11 Roland Reid (Edinburgh)
10 Gordon Ross (Saracens)
9 Colin Gregor (Glasgow Warriors)
1 Ed Kalman (Glasgow Warriors)
2 Fergus Thomson (Glasgow Warriors) CAPTAIN
3 David Young (Leicester Tigers)
4 Fergus Pringle (Edinburgh)
5 Dan Turner (Glasgow Warriors)
6 James Eddie (Glasgow Warriors)
7 Alan MacDonald (Edinburgh)
8 Stevie Swindall (Glasgow Warriors)
Substitutes
16 A Kelly (Edinburgh)
17 Stuart Corsar (Rotherham)
18 Jon Dunbar (Leeds Carnegie)
19 Scott Newlands (Edinburgh)
20 Mark McMillan (Wasps)
21 David Blair (Edinburgh)
22 Jim Thompson (Edinburgh)