Auto Loan Rates & Personal Loan Rates

Rates subject to change without notice. Credit restrictions apply. Rates effective as of 1/2/25.

Take an additional 0.25% OFF rates listed with one of the following (maximum discount 0.25%):

You have a SECNY Checking Account w/Direct Deposit
You are a Save2Earn Account Holder

^{*Rate discount excludes Holiday Loan Special, Share Secured Loans, Credit Cards and Lines of Credit Loans. All loan payments require automatic payment from a SECNY FCU account.}

Looking to Refinance?

Take 1.00% OFF Your existing New/Used Auto Loan Rate (When you refinance with SECNY)

^{1 Member must qualify for new/used loan refinance between January 31, 2025. Minimum loan amount is $5,000.00. Rate floor is 3.00% APR. Must be new-to-SECNY loan to qualify for 1.00% discount. Existing SECNY loans are not eligible. SECNY Membership eligibility required. Certain credit conditions apply. Subject to change without notice. See SECNY for detail.}

Holiday Loan Special!

Rates as low as 4.99% APR borrow up to $2,500 and no payments until February 2025!

^{*As low as 4.99% APR is the advertised rate and can vary based on credit worthiness and terms of the loan. Your rate can be higher depending on credit performance and relationship pricing qualifications. Rates are subject to change without notice. No payments until February 2025 or up to 75 days out from the date of the loan for loans booked October 1, 2024 through January 31, 2025. Skip pay not available. Contact SECNY for details.}

APR as low as	Term
4.99%	Up to 18 Months

NEW Electric Cars & Motorcycles: 2025 - 2023 Model Years

Up to 100% Financing. Rate floor is 2.00% APR.

APR as low as	Term
5.00%	12 - 36 months
5.25%	48 months
5.50%	60 months
5.75%	72 months
6.00%	84 months

^{Loan Application Auto Loan Calculator}

^{Members will be allowed two loan recalculations once they apply the full amount of any tax credit and/or rebate as a GREEN ADVANTAGE.}

USED Electric Cars & Motorcycles: 2022 - 2018 Model Years

Financing up to 100% Financing.

APR as low as	Term
5.50%	12 - 36 months
5.75%	48 months
6.00%	60 months
6.25%	72 months
6.75%	84 months

^{Loan Application Auto Loan Calculator}

NEW Auto & Motorcycle: 2025 - 2023 Model Years

Up to 100% Financing. Rate floor is 2.00% APR.

APR as low as	Term
5.50%	12 months
5.50%	24 months
5.50%	36 months
5.75%	48 months
6.00%	60 months
6.25%	72 months
6.50%	84 months

^{Loan Application Auto Loan Calculator}

^{Members will be allowed two loan recalculations once they apply the full amount of any tax credit and/or rebate as a GREEN ADVANTAGE.}

Used Auto & Motorcycle: 2018 - 2022 Model Years

Up to 100% Financing.

APR as low as	Term
5.75%	12 months
5.75%	24 months
5.75%	36 months
6.25%	48 months
6.50%	60 months
6.75%	72 months
7.50%	84 months

^{Loan Application Auto Loan Calculator}

Used Auto & Motorcycle: 2015 - 2017 Model Years

Financing up to 80% Book Value. For 100% Financing add 0.25%. Use NADA Book Value average retail amount.

APR as low as	Term
7.75%	12 months
7.75%	24 months
7.75%	36 months
8.25%	48 months
8.50%	60 months

^{Loan Application Auto Loan Calculator}

Used Auto & Motorcycle: 2014 and Older

Financing 80% Book Value ONLY. For collector cars, requires appraisal.

APR as low as	Term
9.00%	Up to 60 Months

^{Loan Application Auto Loan Calculator}

Electric Bicycles: 2025, 2023 Models

APR as low as	Term
6.75%	Up to 60 Months

^{Loan Application Loan Calculator}

^{UCC1 Filed - FEE WAIVED as GREEN ADVANTAGE. Maximum loan amount $10,000}

New RV, Boat & Trailer/Camper: 2025 - 2023 Models

Up to 100% Financing - Maximum $100,000

APR as low as	Term
8.00%	Up to 60 Months
8.50%	72 months
8.75%	84 months
9.25%	96 months
9.50%	120 months
9.75%	144 months
10.00%	180 months

^{Loan Application Loan Calculator}

Used RV, Boat & Trailer/Camper:

2018-2022 Models: Financing up to 100% Book Value - Maximum $75,000
2017-2015 Financing up to 80% Book Value

APR as low as	Term
8.50%	Up to 60 Months
9.00%	72 months
9.75%	84 months
10.00%	96 months
10.00%	120 months
10.00%	144 months

^{Loan Application Loan Calculator}

NEW Snowmobile, Jet Ski, ATV, Trailer/Camper, RV & Boat: Under $15,000

100% Financing for 2024, 2023 Model Years

APR as low as	Term
8.00%	Up to 60 Months

^{Loan Application Loan Calculator}

Used Snowmobile, Jet Ski, ATV, Trailer/Camper, RV & Boat: Under $15,000

100% Financing for 2018 - 2022 Model Years
80% Financing for 2015 - 2017 Model Years

APR as low as	Term
8.50%	Up to 60 Months

^{Loan Application Loan Calculator}

Fully Share & Certificate Secured

APR as low as	Term
Share or Certificate Dividend Yield +2% . Variable rate adjusts when APY changes on the account pledged.	144 Months Maximum

^{Loan Application Loan Calculator}

Personal Loans

Maximum individual $10,000 - Maximum joint $20,000

APR as low as	Term
9.00%	12 months
9.00%	24 months
9.25%	36 months
10.00%	48 months
10.25%	60 months
11.25%	66 months
11.25%	72 months

^{Loan Application Loan Calculator}

^{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 Individual $10,000, Maximum Joint $20,000, Maximum Term 72 mos. MINIMUM CREDIT SCORE: 680}

Overdraft Protection

APR as low as	Term
15.90% Open End	Maximum Limit $5,000

^{Loan Application Loan Calculator}