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Open an AccountRates subject to change without notice. Credit restrictions apply. Rates effective as of 12/2/24.
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 OR
- 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
1 Member must qualify for new/used loan refinance by December 31. 2024. 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 January 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 January 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 |
USED Electric Cars & Motorcycles: 2022 - 2018 Model Years
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 |
New Auto & Motorcycle: 2025 - 2023 Model Years
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 |
Used Auto & Motorcycle: 2018 - 2022 Model Years
Financing up to 100% Book Value. Use NADA Book Value average retail amount.
| 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 |
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 |
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 |
Electric Bicycles: 2025 - 2023 Models
| APR as low as | Term |
|---|---|
| 6.75% | Up to 60 Months |
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 |
| 10.25% | 96 Months |
| 10.50% | 120 Months |
| 10.75% | 144 Months |
| 11.00% | 180 Months |
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 |
| 11.00% | 96 Months |
| 11.00% | 120 Months |
| 11.00% | 144 Months |
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 |
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 |
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 |
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 |
Overdraft Protection:
| APR as low as | Term |
|---|---|
| 15.90% Open End | Maximum Limit $5,000 |
Driving Sense NEW Vehicle: 2025, 2024 Model Years
Max Mileage 30,000
| APR as low as | Term |
|---|---|
| 6.50% | 24-39 months |
| 7.00% | 42-63 months |
| 7.75% | 66-72 months |
Driving Sense Used Vehicle:
2023 Models - Max Mileage 45,000
2022 Models - Max Mileage 60,000
2021 Models - Max Mileage 75,000
2020 Models - Max Mileage 90,000
2019 Models - Max Mileage 105,000
| APR as low as | Term |
|---|---|
| 6.75% | 24-39 months |
| 7.50% | 42-63 months |
| 8.25% | 66-72 months |
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