Loan Rates

Rates subject to change without notice. Credit restrictions apply. Rates effective as of 1/20/22.

Holiday Loan Special: 

Maximum Loan amount $2,500. Rates listed require one of the following*:

  • You have a SECNY Checking Account with eStatements
  • You are a Save2Earn Account Holder
APR as low as Term
4.75% 12 months
4.75% 24 months

Loan Application

As low as 4.75% APR is the advertised rate and can vary based on creditworthiness 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 2022-up to 75 days out from the date of the loan. Skip Pay not available. Offer good October 13, 2021 through January 31, 2022. Tote bags available while supplies last.

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.

Electric Cars & Motorcycles:  2022 - 2021 Model Years

Up to 100% Financing. Rate floor is 2.00% APR. For Used Green Auto Loans, refer to the Used Auto Rates.

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
3.25% 72 months
3.50% 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:  2022, 2021 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
3.50% 72 months
3.75% 84 months

Loan Application Auto Loan Calculator

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
2.50% 12 months
2.50% 24 months
2.50% 36 months
3.00% 48 months
3.25% 60 months
4.00% 72 months
4.75% 84 months

Loan Application Auto Loan Calculator

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
4.50% 12 months
4.50% 24 months
4.50% 36 months
5.00% 48 months
5.25% 60 months

Loan Application Auto Loan Calculator

Used Auto & Motorcycle:  2012 and Older

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

APR as low as Term
6.25% Up to 60 Months

Loan Application Auto Loan Calculator

Electric Bicycles:  2022, 2021 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:  2022, 2021 Models

Up to 100% Financing - Maximum $100,000

APR as low as Term
3.75% Up to 60 Months
4.50% 72 Months
4.75% 84 Months
6.75% 96 Months
6.75% 120 Months
6.75% 144 Months
7.50% 180 Months

Loan Application Loan Calculator

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
4.25% Up to 60 Months
5.00% 72 Months
5.75% 84 Months
7.00% 96 Months
7.00% 120 Months
7.00% 144 Months

Loan Application Loan Calculator

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

100% Financing for 2022, 2021 Model Years

APR as low as Term
3.75% Up to 60 Months

Loan Application Loan Calculator

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
4.25% 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
7.75% 12 Months
7.75% 24 Months
8.00% 36 Months
8.75% 48 Months
9.00% 60 Months
10.00% 66 Months
10.00% 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:  2023, 2022 Model Years

Max Mileage 30,000

APR as low as Term
3.25% 24-39 months
3.50% 42-63 months
4.50% 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:  

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
3.75% 24-39 months
4.25% 42-63 months
5.00% 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.

First-Time Auto Buyer:  2022 - 2021 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
4.50% 72 months
4.75% 84 months

Loan Application Auto Loan Calculator

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
3.50% 12 months
3.50% 24 months
3.50% 36 months
4.00% 48 months
4.25% 60 months
5.00% 72 months
5.75% 84 months

Loan Application Auto Loan Calculator

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
5.50% 12 months
5.50% 24 months
5.50% 36 months
6.00% 48 months
6.25% 60 months

Loan Application Auto Loan Calculator

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
7.50% Up to 60 months

Loan Application Auto Loan Calculator