Loan Rates

Rates subject to change without notice. Credit restrictions apply. Rates effective as of 7/1/20.

Take an additional 0.25% OFF loan rates listed with one of the following (maximum discount 0.25%):

  • You get or have one of our new, enhanced credit cards (minimum line of $5,000) OR
  • You have direct deposit and active checking account OR
  • You are a Save2Earn Club Member

*Rate discount excludes Relief Loan, Mortgages, Share Secured Loans, Credit Cards and Lines of Credit Loans. All loan payments require automatic payment from a SECNY FCU account.

Relief Loan

Borrow up to $4,000. No Payments for the first two months.

APR as low as Term
2.00%* Up to 36 Months

* As low as 2.00% APR is the advertised rate and can vary based on creditworthiness and terms of the loan. Your rate can be higher or lower depending on credit performance and qualifications. Rates are subject to change without notice. Relationship Pricing and Skip Pay not available. APR - Annual Percentage Rate. Offer good starting April 1, 2020.

Loan Application Loan Calculator

Electric Cars & Motorcycles:  2020 - 2018 Model Years

Up to 100% Financing

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:  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
2.75% 48 months
3.00% 60 months
3.25% 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:  2020, 2019 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:  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 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
6.50% 12 Months
6.50% 24 Months
6.75% 36 Months
7.50% 48 Months
7.75% 60 Months
8.75% 66 Months
8.75% 72 Months

Loan Application Loan Calculator

Overdraft Protection:

APR as low as Term
7.99% Open End Maximum Limit $5,000

Loan Application Loan Calculator

Driving Sense NEW Vehicle:  2020 - 2019 Model Years

Max Mileage 30,000

APR as low as Term
3.25% 24-39 months
4.00% 42-63 months
4.25% 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. Maximum Loan Amount, all terms: $75,000. Maximum Balloon Residual: $20,000.

Driving Sense Used Vehicle:  

2018 Models - Max Mileage 45,000
2017 Models - Max Mileage 60,000
2016 Models - Max Mileage 75,000
2015 Models - Max Mileage 90,000

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. Maximum Loan Amount, all terms: $75,000. Maximum Balloon Residual: $20,000.