Loan Rates

Rates subject to change without notice. Credit restrictions apply. Rates effective as of10/1/24.

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

*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.

Looking to Refinance?

  • Take 1.00% OFF Your existing New/Used Auto Loan Rate (When you refinance with SECNY)1

1 Member must qualify for new/used loan refinance by October 31st 2024. Minimum loan amount is $5,000.00. Rate floor is 3.00% APR. Must be new-to-SECNY loan to qualify for 1.00% discount. Existing SECNY loans are not eligible. SECNY Membership eligibility required. Certain credit conditions apply. Subject to change without notice. See SECNY for detail.


Holiday Loan Special!

  • Rates as low as 4.99% APR* borrow up to $2,500 and no payments until January 2025!*

*As low as 4.99% APR is the advertised rate and can vary based on credit worthiness and terms of the loan. Your rate can be higher depending on credit performance and relationship pricing qualifications. Rates are subject to change without notice. No payments until January 2025 or up to 75 days out from the date of the loan for loans booked October 1, 2024 through January 31, 2025. Skip pay not available. Contact SECNY for details.

APR as low as Term
4.99% Up to 18 Months

NEW Electric Cars & Motorcycles:  2025 - 2023 Model Years

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

 
APR as low as Term
5.00% 12 - 36 months
5.25% 48 months
5.50% 60 months
5.75% 72 months
6.00% 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:  2022 - 2018 Model Years

Up to 100% Financing. 

APR as low as Term
5.50% 12 - 36 months
5.75% 48 months
6.00% 60 months
6.25% 72 months
6.75% 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:  2025 - 2023 Model Years

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
6.25% 72 months
6.50% 84 months

Loan Application Auto Loan Calculator

Used Auto & Motorcycle:  2018 - 2022 Model Years

Financing up to 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
6.75% 72 months
7.50% 84 months

Loan Application Auto Loan Calculator

Used Auto & Motorcycle:  2015 - 2017 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
7.75% 12 months
7.75% 24 months
7.75% 36 months
8.25% 48 months
8.50% 60 months

Loan Application Auto Loan Calculator

Used Auto & Motorcycle:  2014 and Older

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

APR as low as Term
9.00% Up to 60 Months

Loan Application Auto Loan Calculator

Electric Bicycles:  2025 - 2023 Models

APR as low as Term
6.75% 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:  2025 - 2023 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:

2018-2022 Models: Financing up to 100% Book Value - Maximum $75,000
2017-2015 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 2024, 2023 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 2018 - 2022 Model Years
80% Financing for 2015 - 2017 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

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

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

Overdraft Protection:

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

Loan Application Loan Calculator

Driving Sense NEW Vehicle:  2025, 2024 Model Years

Max Mileage 30,000

APR as low as Term
6.50% 24-39 months
7.00% 42-63 months
7.75% 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:  

2023 Models - Max Mileage 45,000
2022 Models - Max Mileage 60,000
2021 Models - Max Mileage 75,000
2020 Models - Max Mileage 90,000
2019 Models - Max Mileage 105,000

APR as low as Term
6.75% 24-39 months
7.50% 42-63 months
8.25% 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.