Loan Rates

Rates subject to change without notice. Credit restrictions apply. Rates effective as of 921/23.

Take Advantage of our Special Offers

To celebrate the upcoming Grand Opening of our new Fairmount Branch, we are celebrating across ALL of our SECNY branches with the following:

Take an additional 1.00% OFF rates listed with one of the following (maximum discount 1.00%):

*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.

NEW Electric Cars & Motorcycles:  2023 - 2022 Model Years

Up to 100% Financing. Rate floor is 2.00% APR. 

APR as low as Term
6.00% 12 - 36 months
6.25% 48 months
6.50% 60 months
6.75% 72 months
7.00% 84 months

Loan Application Auto Loan Calculator

Members will be allowed two loan recalculations once they apply the full amount of any tax credit and/or rebate as a GREEN ADVANTAGE. 

USED Electric Cars & Motorcycles:  2021 - 2017 Model Years

Up to 100% Financing. 

APR as low as Term
6.50% 12 - 36 months
6.75% 48 months
7.00% 60 months
7.25% 72 months
7.75% 84 months

Loan Application Auto Loan Calculator

Members will be allowed two loan recalculations once they apply the full amount of any tax credit and/or rebate as a GREEN ADVANTAGE. 

New Auto & Motorcycle:  2023, 2022 Model Years

Up to 100% Financing

APR as low as Term
6.50% 12 months
6.50% 24 months
6.50% 36 months
6.75% 48 months
7.00% 60 months
7.25% 72 months
7.50% 84 months

Loan Application Auto Loan Calculator

Used Auto & Motorcycle:  2017 - 2021 Model Years

Financing up to 100% Book Value. Use NADA Book Value average retail amount.

APR as low as Term
6.75% 12 months
6.75% 24 months
6.75% 36 months
7.25% 48 months
7.50% 60 months
7.75% 72 months
8.50% 84 months

Loan Application Auto Loan Calculator

Used Auto & Motorcycle:  2014 - 2016 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
8.75% 12 months
8.75% 24 months
8.75% 36 months
9.25% 48 months
9.50% 60 months

Loan Application Auto Loan Calculator

Used Auto & Motorcycle:  2013 and Older

Financing 80% Book Value ONLY. For collector cars, requires appraisal.

APR as low as Term
10.00% Up to 60 Months

Loan Application Auto Loan Calculator

Electric Bicycles:  2023, 2022 Models

APR as low as Term
7.50% Up to 60 Months

Loan Application Loan Calculator

UCC1 Filed - FEE WAIVED as GREEN ADVANTAGE. Maximum loan amount $10,000

New RV, Boat & Trailer/Camper:  2023, 2022 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

Loan Application Loan Calculator

Used RV, Boat & Trailer/Camper:

2017-2021 Models: Financing up to 100% Book Value - Maximum $75,000
2016-2014 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

Loan Application Loan Calculator

NEW Snowmobile, Jet Ski, ATV, Trailer/Camper, RV & Boat:Under $15,000

100% Financing for 2023, 2022 Model Years

APR as low as Term
8.00% Up to 60 Months

Loan Application Loan Calculator

Used Snowmobile, Jet Ski, ATV, Trailer/Camper, RV & Boat:  Under $15,000

100% Financing for 2017 - 2021 Model Years
80% Financing for 2014 - 2016 Model Years

APR as low as Term
8.50% Up to 60 Months

Loan Application Loan Calculator

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

Loan Application Loan Calculator

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
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

Loan Application Loan Calculator

Overdraft Protection:

APR as low as Term
15.90% Open End Maximum Limit $5,000

Loan Application Loan Calculator

Driving Sense NEW Vehicle:  2024, 2023 Model Years

Max Mileage 30,000

APR as low as Term
7.50% 24-39 months
8.00% 42-63 months
8.75% 66-72 months

Loan Application Driving Sense Calculator

Minimum Loan amount for less than 66 months: $5,000. Minimum Loan Amount for 66-72 Months: $10,000.

Driving Sense Used Vehicle:  

2022 Models - Max Mileage 45,000
2021 Models - Max Mileage 60,000
2020 Models - Max Mileage 75,000
2019 Models - Max Mileage 90,000
2018 Models - Max Mileage 105,000

APR as low as Term
7.75% 24-39 months
8.50% 42-63 months
9.25% 66-72 months

Loan Application Driving Sense Calculator

Minimum Loan amount for less than 66 months: $5,000. Minimum Loan Amount for 66-72 Months: $10,000.

First-Time Auto Buyer:  2023 - 2022 Model Years

3% down payment required. Up to 100% Financing

APR as low as Term
8.50% 12 months
8.50% 24 months
8.50% 36 months
8.75% 48 months
9.00% 60 months
9.25% 72 months
9.50% 84 months

Loan Application Auto Loan Calculator

First-Time Auto Buyer:  2021-2017 Model Years

3% down payment required. Financing 100% Book Value. Use NADA book value average retail amount.

APR as low as Term
8.75% 12 months
8.75% 24 months
8.75% 36 months
9.25% 48 months
9.50% 60 months
9.75% 72 months
10.50% 84 months

Loan Application Auto Loan Calculator

First-Time Auto Buyer:  2016-2014 Model Years

3% down payment required. Financing 80% Book Value. For 100% financing add 0.25%.

APR as low as Term
10.75% 12 months
10.75% 24 months
10.75% 36 months
11.25% 48 months
11.50% 60 months

Loan Application Auto Loan Calculator

First-Time Auto Buyer:  2013 Model Years and Older

3% down payment required. Financing 80% Book Value. For collector cars, requires appraisal.

APR as low as Term
12.50% Up to 60 months

Loan Application Auto Loan Calculator