Save2Earn

(Ages 18-26)

Heading off to college? Starting a new career or trade? Feeling a little overwhelmed? Let us help guide you in the right financial direction. We can provide you with the right tools to give you a strong start!

Save2Earn Young Adults

  • $10 gift card for opening a checking account1
  • $25 when you sign up for direct deposit2
  • 0.25% Loan Rate Discount3
  • uChoose Rewards®- earn 1 point for every $2 spent with your SECNY Mastercard Debit card
  • CardValet® App- Set up limits and control your card from your phone!
  • Apple Pay®, Google Pay® and Samsung Pay® available
  • Personal Management Tool- See where your money is going
  • Free Credit Sense access - monitor your credit score and get updates on how you’re doing

Open An Account Online

Open an Account Online

Let’s kickstart your credit today!

You have the power to control your credit history. Start smart and make your history a great one with Credit Kickstart!

  1. First, fill out our online loan application for the amount you wish to start with.
  2. If approved, the funds are then deposited into your account and put on hold.
  3. Each month, make your monthly payment on time.
  4. After you make your payment, the funds are then released into your account for you to use.

Payment history is one of the most weighted of all factors contributing to your credit score. This program is a great way to help you set off on the right path to a positive financial future! Sometimes even more so than a credit card or personal loan. Credit Kickstart is also a great way to build your credit, making it affordable when it comes time to lease or buy a car. Make your history something to be proud of…with Credit Kickstart!

Get Started

First-Time Auto Buyer Program

Looking to buy your first vehicle? Have little or no credit? Well we have that covered for you as well!

  1. Fill out our online loan applicationFirst Auto Loan for the amount you would like to spend on a vehicle.
  2. A Loan Officer will then reach out to you to discuss your budget, vehicle needs and the next steps to completing the loan process.
  3. If you are approved, funds will be disbursed in the form of a check that you can bring to the dealership or seller.
  4. Make your monthly payments on time. After six months of on-time payments, you can earn cash back!*
  • $5,000.00 to $9999.99 earn $50.00 Cash Back
  • $10,000.00 to $14999.99 earn $100.00 Cash Back
  • $15,000.00 to $19999.99 earn $150.00 Cash Back
  • $20,000.00 and Higher earn  $200.00 Cash Back

*Must have six months of on-time payments in order to receive cash back. Cash back incentive is waived if loan is paid in full prior to six months. Cash back incentive varies based on original loan balance amount.

Purchasing a vehicle for the first time can be intimidating and stressful. Little to no credit? Just makes it that much harder. We say No Problem! This program is designed to make that process less stressful and easy! Make your first time buying a car a great memory with our First-Time Auto Buyer Program!

I Want To Learn More

CardValet and uChoose Rewards are a registered trademarks of Fiserv, Inc. or its affiliates. All rights reserved. Data charges may apply. Check with your mobile phone carrier for details. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries.

1 Limit one gift card. All new accounts subject to Chex-Systems verification. Certain conditions apply, subject to change without notice. Offer does not apply to existing SECNY checking accounts. Contact us for details. 

2 $25 cash incentive offer available for members who sign up for a new net pay direct deposit relationship and who opt to have his/her payroll direct deposited into his/her SECNY share or share draft account. All new accounts subject to ChexSystems verification. To receive cash incentive, member must notify SECNY after first payroll is direct deposited into the account. $25 cash incentive will remain on hold for 30 days from the date it was deposited. After 30 day hold period, funds will only be released if the account is in good standing. Bonuses are considered interest and will be reported to the IRS. Certain restrictions apply. Subject to change without notice. Member must have had no prior Direct Deposit relationship with SECNY.

3 Minimum loan amount $5,000. Excludes Mortgages, Overdraft Lines of Credit and Credit Cards. Limit one discount per member per loan. Credit and other certain restrictions may apply. Existing loans with SECNY cannot be refinanced with this offer. Contact us for further details.