Routing & Transit #: 221381304
Effective July 1st, 2025, our Funds Availability Policy has changed to reflect new guidelines under Regulation CC. These changes affect how quickly funds from check deposits are available and the thresholds for account exceptions. Click here for information.
All SECNY offices will be closed on Friday, July 4th and Saturday, July 5th for Independence Day.
Rates subject to change without notice. Credit restrictions apply. Rates effective as of 7/01/25.
Take an additional 0.25% OFF rates listed with one of the following (maximum discount 0.25%):
*Rate discount excludes Holiday Loan Special, Share Secured Loans, Credit Cards and Lines of Credit Loans.
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Up to 100% Financing.
| 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 |
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 |
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 |
Financing 80% Book Value ONLY. For collector cars, requires appraisal.
| APR as low as | Term |
|---|---|
| 9.00% | Up to 60 Months |
Up to 100% Financing.
| 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 |
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 |
| APR as low as | Term |
|---|---|
| 6.75% | Up to 60 Months |
Up to 100% Financing - Maximum $100,000
| APR as low as | Term |
|---|---|
| 7.00% | Up to 60 Months |
| 7.50% | 72 months |
| 7.75% | 84 months |
| 9.25% | 96 months |
| 9.50% | 120 months |
| 9.75% | 144 months |
| 10.00% | 180 months |
2023-2019 Models: Financing up to 100% Book Value - Maximum $75,000
2018-2016 Financing up to 80% Book Value
| APR as low as | Term |
|---|---|
| 7.50% | Up to 60 Months |
| 8.00% | 72 months |
| 8.75% | 84 months |
| 10.00% | 96 months |
| 10.00% | 120 months |
| 10.00% | 144 months |
100% Financing for 2026, 2025, 2024 Model Years
| APR as low as | Term |
|---|---|
| 7.00% | Up to 60 Months |
100% Financing for 2023 - 2019 Model Years
80% Financing for 2018 - 2016 Model Years
| APR as low as | Term |
|---|---|
| 7.50% | Up to 60 Months |
| APR as low as | Term |
|---|---|
| Share or Certificate Dividend Yield +2% . Variable rate adjusts when APY changes on the account pledged. | 144 Months Maximum |
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 |
| APR as low as | Term |
|---|---|
| 15.90% Open End | Maximum Limit $5,000 |
At SECNY Federal Credit Union, we pride ourselves on offering competitive auto loan rates designed to help you get behind the wheel of your dream vehicle without breaking the bank. Our flexible terms and personalized service make financing your next vehicle purchase simple and affordable.
Getting started with your SECNY auto loan application is easy. Simply apply online through our secure loan application or stop in one of our many branch locations throughout Central New York.
Questions? Speak with one of our friendly loan specialists today (315) 469-5599
Estimate your monthly payments using our auto loan calculator to help determine a comfortable budget for your vehicle purchase.
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