Loan Rates

Rates 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

Loan Application Auto Loan Calculator

Appraiser at Classic Auto Club OR Credit Union should physically inspect the vehicle and include photos in the loan file. UCC filling required for model years 1971 and older where title is not available.

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

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:  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

Loan Application Auto Loan Calculator

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

Loan Application Auto Loan Calculator

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

Loan Application Auto Loan Calculator

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

Loan Application Auto Loan Calculator

Electric Bicycles:  2021, 2020 Models

APR as low as Term
3.00% Up to 60 Months

Loan Application Loan Calculator

UCC1 Filed - FEE WAIVED as GREEN ADVANTAGE.

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

Loan Application Loan Calculator

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

Loan Application Loan Calculator

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

Loan Application Loan Calculator

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

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
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

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:  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

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:  

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

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:  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

Loan Application Auto Loan Calculator

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

Loan Application Auto Loan Calculator

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

Loan Application Auto Loan Calculator

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

Loan Application Auto Loan Calculator