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Open an AccountRates subject to change without notice. Credit restrictions apply. Rates effective as of 7/16/21.
Take an additional 0.50% OFF rates listed with one of the following (maximum discount 0.50%):
- You have eStatements OR
- You are a Save2Earn Club Member
*Rate discount excludes Share Secured Loans, Credit Cards and Lines of Credit Loans. 0.25% maximum discount for Electric cars and motorcycles, RV, Boat, Trailer, Camper, Snowmobile, JetSki, ATV, and Personal/Lifestyle Loans. All loan payments require automatic payment from a SECNY FCU Account.
Classic Auto Financing:
Max. Loan Amount $75,000. Financing NADA value up to 100% - If no value found, an appraisal will be needed.
| APR as low as | Term |
|---|---|
| 2.75% | 12 months |
| 2.75% | 24 months |
| 2.75% | 36 months |
| 3.25% | 48 months |
| 3.50% | 60 months |
Electric Cars & Motorcycles: 2021 - 2019 Model Years
Up to 100% Financing. Rate floor is 2.00% APR.
| APR as low as | Term |
|---|---|
| 2.00% | 12 months |
| 2.00% | 24 months |
| 2.00% | 36 months |
| 2.25% | 48 months |
| 2.50% | 60 months |
| 2.75% | 72 months |
| 3.00% | 84 months |
New Auto & Motorcycle: 2021, 2020, 2019 Model Years
Up to 100% Financing
| APR as low as | Term |
|---|---|
| 2.25% | 12 months |
| 2.25% | 24 months |
| 2.25% | 36 months |
| 2.50% | 48 months |
| 2.75% | 60 months |
| 3.00% | 72 months |
| 3.50% | 84 months |
Used Auto & Motorcycle: 2014 - 2018 Model Years
Financing up to 100% Book Value. Use NADA Book Value average retail amount.
| APR as low as | Term |
|---|---|
| 2.75% | 12 months |
| 2.75% | 24 months |
| 2.75% | 36 months |
| 3.25% | 48 months |
| 3.50% | 60 months |
| 3.75% | 72 months |
| 4.50% | 84 months |
Used Auto & Motorcycle: 2011 - 2013 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 |
|---|---|
| 4.75% | 12 months |
| 4.75% | 24 months |
| 4.75% | 36 months |
| 5.25% | 48 months |
| 5.50% | 60 months |
Used Auto & Motorcycle: 2010 and Older
Financing 80% Book Value ONLY. For collector cars, requires appraisal.
| APR as low as | Term |
|---|---|
| 6.50% | Up to 60 Months |
Electric Bicycles: 2021, 2020 Models
| APR as low as | Term |
|---|---|
| 3.00% | Up to 60 Months |
New RV, Boat & Trailer/Camper: 2021, 2020, 2019 Models
Up to 100% Financing - Maximum $100,000
| APR as low as | Term |
|---|---|
| 4.00% | Up to 60 Months |
| 4.25% | 72 Months |
| 4.50% | 84 Months |
| 5.75% | 96 Months |
| 6.50% | 120 Months |
| 7.25% | 144 Months |
Used RV, Boat & Trailer/Camper:
2014-2018 Models: Financing up to 100% Book Value - Maximum $75,000
2013-2011 Financing up to 80% Book Value
| APR as low as | Term |
|---|---|
| 4.50% | Up to 60 Months |
| 4.75% | 72 Months |
| 5.50% | 84 Months |
| 6.50% | 96 Months |
| 6.75% | 120 Months |
NEW Snowmobile, Jet Ski, ATV, Trailer/Camper, RV & Boat:Under $15,000
100% Financing for 2021, 2020, 2019 Model Years
| APR as low as | Term |
|---|---|
| 4.00% | Up to 60 Months |
Used Snowmobile, Jet Ski, ATV, Trailer/Camper, RV & Boat: Under $15,000
100% Financing for 2014 - 2018 Model Years
80% Financing for 2011 - 2013 Model Years
| APR as low as | Term |
|---|---|
| 4.50% | 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
LifeStyle Loans
To finance items such as medical or dental expenses not covered by insurance such as orthodontia, Lasik eye surgery, cosmetic surgery, fertility treatments or even veterinary expenses. Can also be used to finance cost of home decorating, furniture or landscaping. Maximum Individual $10,000, Maximum Joint $20,000, Maximum Term 72 mos. MINIMUM CREDIT SCORE: 680
| APR as low as | Term |
|---|---|
| 6.75% | 12 Months |
| 6.75% | 24 Months |
| 7.00% | 36 Months |
| 7.75% | 48 Months |
| 8.00% | 60 Months |
| 9.00% | 66 Months |
| 9.00% | 72 Months |
Overdraft Protection:
| APR as low as | Term |
|---|---|
| 15.90% Open End | Maximum Limit $5,000 |
Driving Sense NEW Vehicle: 2022, 2021 Model Years
Max Mileage 30,000
| APR as low as | Term |
|---|---|
| 3.25% | 24-39 months |
| 3.75% | 42-63 months |
| 4.00% | 66-72 months |
Driving Sense Used Vehicle:
2020 Models - Max Mileage 45,000
2019 Models - Max Mileage 60,000
2018 Models - Max Mileage 75,000
2017 Models - Max Mileage 90,000
2016 Models - Max Mileage 105,000
| APR as low as | Term |
|---|---|
| 3.75% | 24-39 months |
| 4.50% | 42-63 months |
| 4.75% | 66-72 months |
First-Time Auto Buyer: 2021 - 2019 Model Years
3% down payment required. Up to 100% Financing
| APR as low as | Term |
|---|---|
| 3.25% | 12 months |
| 3.25% | 24 months |
| 3.25% | 36 months |
| 3.50% | 48 months |
| 3.75% | 60 months |
| 4.00% | 72 months |
| 4.50% | 84 months |
First-Time Auto Buyer: 2018-2014 Model Years
3% down payment required. Financing 100% Book Value. Use NADA book value average retail amount.
| APR as low as | Term |
|---|---|
| 3.75% | 12 months |
| 3.75% | 24 months |
| 3.75% | 36 months |
| 4.25% | 48 months |
| 4.50% | 60 months |
| 4.75% | 72 months |
| 5.50% | 84 months |
First-Time Auto Buyer: 2013-2011 Model Years
3% down payment required. Financing 80% Book Value. For 100% financing add 0.25%.
| 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 |
First-Time Auto Buyer: 2010 Model Years and Older
3% down payment required. Financing 80% Book Value. For collector cars, requires appraisal.
| APR as low as | Term |
|---|---|
| 7.50% | Up to 60 months |
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