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Open an AccountRates subject to change without notice. Credit restrictions apply. Rates effective as of 12/1/22.
Take an additional 0.25% OFF rates listed with one of the following (maximum discount 0.25%):
- You have a SECNY Checking Account w/eStatements 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.
NEW Electric Cars & Motorcycles: 2022 - 2021 Model Years
Up to 100% Financing. Rate floor is 2.00% APR.
| APR as low as | Term |
|---|---|
| 3.50% | 12 - 36 months |
| 3.75% | 48 months |
| 4.00% | 60 months |
| 4.25% | 72 months |
| 4.50% | 84 months |
USED Electric Cars & Motorcycles: 2020 - 2016 Model Years
Up to 100% Financing.
| APR as low as | Term |
|---|---|
| 4.00% | 12 - 36 months |
| 4.25% | 48 months |
| 4.50% | 60 months |
| 4.75% | 72 months |
| 5.25% | 84 months |
New Auto & Motorcycle: 2022, 2021 Model Years
Up to 100% Financing
| APR as low as | Term |
|---|---|
| 4.00% | 12 months |
| 4.00% | 24 months |
| 4.00% | 36 months |
| 4.25% | 48 months |
| 4.50% | 60 months |
| 5.25% | 72 months |
| 5.50% | 84 months |
Used Auto & Motorcycle: 2016 - 2020 Model Years
Financing up to 100% Book Value. Use NADA Book Value average retail amount.
| APR as low as | Term |
|---|---|
| 4.25% | 12 months |
| 4.25% | 24 months |
| 4.25% | 36 months |
| 4.75% | 48 months |
| 5.00% | 60 months |
| 5.75% | 72 months |
| 6.50% | 84 months |
Used Auto & Motorcycle: 2013 - 2015 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 |
|---|---|
| 6.25% | 12 months |
| 6.25% | 24 months |
| 6.25% | 36 months |
| 6.75% | 48 months |
| 7.00% | 60 months |
Used Auto & Motorcycle: 2012 and Older
Financing 80% Book Value ONLY. For collector cars, requires appraisal.
| APR as low as | Term |
|---|---|
| 8.00% | Up to 60 Months |
Electric Bicycles: 2022, 2021 Models
| APR as low as | Term |
|---|---|
| 5.00% | Up to 60 Months |
New RV, Boat & Trailer/Camper: 2022, 2021 Models
Up to 100% Financing - Maximum $100,000
| APR as low as | Term |
|---|---|
| 5.25% | Up to 60 Months |
| 6.00% | 72 Months |
| 6.25% | 84 Months |
| 8.25% | 96 Months |
| 8.25% | 120 Months |
| 8.25% | 144 Months |
| 9.00% | 180 Months |
Used RV, Boat & Trailer/Camper:
2016-2020 Models: Financing up to 100% Book Value - Maximum $75,000
2015-2013 Financing up to 80% Book Value
| APR as low as | Term |
|---|---|
| 5.75% | Up to 60 Months |
| 6.50% | 72 Months |
| 7.25% | 84 Months |
| 8.50% | 96 Months |
| 8.50% | 120 Months |
| 8.50% | 144 Months |
NEW Snowmobile, Jet Ski, ATV, Trailer/Camper, RV & Boat:Under $15,000
100% Financing for 2022, 2021 Model Years
| APR as low as | Term |
|---|---|
| 5.25% | Up to 60 Months |
Used Snowmobile, Jet Ski, ATV, Trailer/Camper, RV & Boat: Under $15,000
100% Financing for 2016 - 2020 Model Years
80% Financing for 2013 - 2015 Model Years
| APR as low as | Term |
|---|---|
| 5.75% | 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 |
|---|---|
| 10.00% | 12 Months |
| 10.00% | 24 Months |
| 10.25% | 36 Months |
| 11.00% | 48 Months |
| 11.25% | 60 Months |
| 12.25% | 66 Months |
| 12.25% | 72 Months |
Overdraft Protection:
| APR as low as | Term |
|---|---|
| 15.90% Open End | Maximum Limit $5,000 |
Driving Sense NEW Vehicle: 2023, 2022 Model Years
Max Mileage 30,000
| APR as low as | Term |
|---|---|
| 5.00% | 24-39 months |
| 5.50% | 42-63 months |
| 6.25% | 66-72 months |
Driving Sense Used Vehicle:
2021 Models - Max Mileage 45,000
2020 Models - Max Mileage 60,000
2019 Models - Max Mileage 75,000
2018 Models - Max Mileage 90,000
2017 Models - Max Mileage 105,000
| APR as low as | Term |
|---|---|
| 5.25% | 24-39 months |
| 6.00% | 42-63 months |
| 6.75% | 66-72 months |
First-Time Auto Buyer: 2022 - 2021 Model Years
3% down payment required. 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 |
| 6.75% | 72 months |
| 7.00% | 84 months |
First-Time Auto Buyer: 2020-2016 Model Years
3% down payment required. Financing 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 |
| 7.25% | 72 months |
| 8.00% | 84 months |
First-Time Auto Buyer: 2015-2013 Model Years
3% down payment required. Financing 80% Book Value. For 100% financing add 0.25%.
| 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 |
First-Time Auto Buyer: 2012 Model Years and Older
3% down payment required. Financing 80% Book Value. For collector cars, requires appraisal.
| APR as low as | Term |
|---|---|
| 9.75% | Up to 60 months |
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