Frequently Asked Questions

Opening an account with SECNY is easy! You can visit any of our Syracuse area branches, apply online through our website, or call us at 315-469-5599 directly. We offer various checking accounts and savings account options to meet your needs, including free checking accounts with no monthly maintenance fees.

Open an Account

If you meet either of the below requirements, you're eligible to become a SECNY FCU member!

• Persons working, living, worshipping, attending school, or businesses and legal entities in Onondaga, Madison, Oswego and Cayuga counties.

• Immediate family of current members (including spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings and adoptive relationships) or household member (Persons living in the same residence and maintain a single economic unit).

Open an Account

Getting pre-qualified for a mortgage is easy and can be done online or by visiting our Syracuse area branch locations. Our mortgage pre-qualification process helps you understand how much home you can afford and strengthens your position when making offers. We provide quick turnaround times and competitive mortgage rates.

Find Out if You Pre-Qualify for a Mortgage

Download the SECNY mobile app from the App Store or Google Play. The app provides 24/7 account access, mobile check deposit, bill pay, fund transfers, and credit monitoring. You can also manage your debit card settings and receive account alerts through the mobile app.

Our debit cards are compatible with Apple Pay, Google Pay, and Samsung Pay. You can easily add your SECNY debit card to your preferred digital wallet for contactless payments at stores, online, and in apps. Digital wallet payments are secure and convenient.

SECNY home equity loans offer flexible financing for many purposes including, but certainly not limited to:

• Home renovations
• Debt consolidation
• Education expenses
• Investment opportunities
• Vacation
• Emergency expenses
• and more

Learn More About Home Equity Loans View Home Equity Loan Rates

The key difference lies in how you receive and repay funds. A home equity loan provides a lump sum upfront with fixed monthly payments over a set term, making it ideal for one-time expenses like major renovations or debt payoff. A HELOC (Home Equity Line of Credit) works more like a credit card - you have access to a credit line that you can draw from as needed during the draw period, typically paying interest only on what you use. HELOCs offer flexibility for ongoing projects or expenses where you're unsure of the total amount needed.

Both options use your home's equity as security, but the repayment structure and access to funds work very differently.

Learn More About Home Equity Loans and HELOCs View Home Equity Rates