Grow & Thrive

^{1 $25 for New Member Account with qualifying service. New Member must open a new Savings and Checking Account with Debit Card and enroll in eStatements. Existing SECNY members with account relationships excluded (must be new member). Limit one $25.00 deposit per new member account. All new accounts subject to ChexSystems verification. Additional $25 earned if prior requirements are met and new member also adds a new loan or refinances a loan from another financial institution between July 1st, 2025 and September 30th, 2025. Existing SECNY loans do not qualify for bonus or refinance. Existing members referring may earn up to a maximum of $250. See SECNY for details.} 

^{2 APR = Annual Percentage Rate. As low as 2.99% APR locked in for 1 year. Rate expressed for Line of Credit is variable and can be adjusted annually on the first day of the month following the anniversary date of opening. The rate is based on an Index Rate of the Wall Street Journal Prime Rate. There is no limit on the amount by which the Annual Percentage Rate can change during any one period up to the maximum permitted by law. Loan rate and amount are based on credit qualifications and available equity in property. Subject to change without notice. Home Equity Lines of Credit currently financed through SECNY Federal Credit Union cannot be refinanced with this offer. Funds advanced from a Home Equity Line of Credit with SECNY cannot be used to open a Certificate of Deposit at SECNY. Contact any SECNY office for details. All fees paid in conjunction with the loan are subject to recapture if the loan is closed within three years.
3 Maximum Loan amount is $2,025.00. APR may vary based on creditworthiness and term of the loan. Rates subject to change without notice. No payments until October 1st, 2025 or up to 90 days from date of the loan for loans booked July 1st, 2025 through September 30th, 2025. Skip Pay not available. Contact SECNY for details.}

^{4 Credit and other certain restrictions apply. Interest rate based on credit worthiness. APR will vary with the market based on Prime rate.}

^{5 Balance transfers limited to maximum of $10,000 OR no more than 1/2 of available credit line.}

^{6 Must add new qualifying service for water bottle bonus. Limit One water bottle per member. Membership eligibility required. All new accounts subject to ChexSystems verification. Qualifying services for existing members include one of the following: eStatements, Direct Deposit of Payroll or Retirement Benefits, and enroll in Billpay Service and pay 1 payee by September 30th, 2025,.}