Loan Rates:
Rates listed reflect Automatic Payment, SECNY Checking Account and Direct Deposit, otherwise add 0.25%. Rates may change without notice. Credit restrictions apply. Rates effective as of 05/03/2012.
New Auto & Motorcycle
2012 and 2011 Models - (Under 10,000 Miles) Up to 100% Financing
| Rate As low as: | Available Terms |
|---|---|
| 1.99% | 12 Months |
| 1.99% | 24 months |
| 1.99% | 36 months |
| 1.99% | 48 months |
| 1.99% | 60 months |
| 2.99% | 66 months |
| 3.99% | 72 months |
| 4.99% | 84 months |
Equity Express
Maximum $75,000, Minimum $10,000 - 100% Financing on New Vehicle - Copy of Deed Required - No Closing Costs - 100% Book Value 2010, 2011 & 2012 models - 80% Book Value 2008-2009
**All fees paid in conjunction with the loan are subject to recapture if the loan is closed within three years.
| Rate As low as: | Available Terms |
|---|---|
| 2.25% | 12 months |
| 2.25% | 24 months |
| 2.25% | 36 months |
| 3.00% | 48 months |
| 3.00% | 60 months |
| 4.00% | 66 months |
| 4.00% | 72 months |
| 5.25% | 84 months |
Used Auto & Motorcycle: 2008 - 2011 Model Years
Financing up to 100% Book Value. Use NADA Book Value average retail amount.
| Rate As low as: | Available Terms |
|---|---|
| 1.99% | 12 months |
| 1.99% | 24 months |
| 1.99% | 36 months |
| 2.99% | 48 months |
| 2.99% | 60 months |
| 3.99% | 72 months |
Used Auto & Motorcycle: 2006 - 2007 Model Years
Financing 80% Book value. For 100% Financing, add .25%
| Rate As low as: | Available Terms |
|---|---|
| 5.25% | 12 months |
| 5.25% | 24 months |
| 5.25% | 36 months |
| 5.75% | 48 months |
| 5.75% | 60 months |
Used Auto & Motorcycle: 2005 and Older
Financing 80% Book Value ONLY For collector cars, requires appraisal.
| Rate As low as: | Available Terms |
|---|---|
| 7.75% | Up to 60 months |
New RV and Boat
2012 and 2011 Models - 100% Financing - Maximum $75,000
| Rate As low as: | Available Terms |
|---|---|
| 3.50% | Up to 60 months |
| 5.25% | 72 months |
| 5.50% | 84 months |
| 5.75% | 96 months |
| 6.25% | 108 months |
| 6.50% | 120 months |
Used RV and Boat
2006-2010 Models - 90% Financing - Minimum $15,000, Maximum 75,000 - 2000-2003 Financing 80% Book Value
| Rate As low as: | Available Terms |
|---|---|
| 4.75% | Up to 60 months |
| 5.75% | 72 months |
| 6.00% | 84 months |
| 6.25% | 96 months |
| 6.75% | 108 months |
| 7.00% | 120 months |
New Snowmobile, Skijet, All-Terrain Vehicle, Trailer/Camper, RV & Boats
Under $15,000 - 100% Financing for 2011 and 2012 Model Years
| Rate As low as: | Available Terms |
|---|---|
| 3.50% | Up to 60 months |
Used Snowmobile, Skijet, All-Terrain Vehicle, Trailer/Camper, RV & Boats
Under $15,000 - 90% Financing for 2006-2010 Model Years
| Rate As low as: | Available Terms |
|---|---|
| 4.75% | Up to 60 months |
Fully Share & Certificate Secured
Share or Certificate Dividend Yield + 3% Maximum Term 144 Months. Variable rate will adjust whenever the APY changes on the account pledged.
Personal Loans
Maximum individual $10,000 - Maximum joint $20,000
Lifestyle Loans
To finance items such as medical or dental expenses not covered by insurance such as orthodontia, Lasik eye surgery, cosmetic surgery, fertility treatments or even veterinary expenses. Can also be used to finance cost of home decorating, furniture or landscaping. Maximum $20,000, Maximum Term 72 mos. MINIMUM CREDIT SCORE: 680
| Rate As low as: | Available Terms |
|---|---|
| 7.25% | 12 months |
| 7.25% | 24 months |
| 7.25% | 36 months |
| 8.25% | 48 months |
| 8.25% | 60 months |
| 9.25% | 66 months |
| 9.25% | 72 months |
Overdraft Protection
15.90% Open End
Maximum Limit $5,000
VISA Credit Cards
Learn more about your card options or apply online.