Loan Rates

Rates listed reflect Automatic Payment, SECNY Checking Account, and Direct Deposit, otherwise add 0.50%. Rates may change without notice. Credit restrictions apply. Rates effective as of 12/14/2017.

Holiday Loan Special Effective 11/1/2017

APR as low as Term
5.99% 12 or 18 Months

Maximum Loan Amount of $2,500.
Rates listed require Automatic Payment, SECNY Checking Account and Direct Deposit. Otherwise, add 0.50%. Rates may change without notice. Skip Pay unavailable. Credit restrictions apply.

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New Auto & Motorcycle: 2017-2018 Model Years

Up to 100% Financing

APR as low as Term
2.50% 12 months
2.50% 24 months
2.50% 36 months
2.50% 48 months
2.75% 60 months
3.00% 72 months
3.25% 84 months

Loan Application Auto Loan Calculator

Used Auto & Motorcycle: 2012-2016 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
3.25% 60 months
3.50% 72 months
4.25% 84 months

Loan Application Auto Loan Calculator

Used Auto & Motorcycle: 2009-2011 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
5.25% 60 months

Loan Application Auto Loan Calculator

Used Auto & Motorcycle: 2008 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

New RV & Boat: 2018, 2017 Models

Up to 100% Financing - Maximum $100,000

APR as low as Term
3.75% Up to 60 Months
4.25% 72 Months
4.50% 84 Months
5.75% 96 Months
6.00% 120 Months
6.50% 144 Months

Loan Application Loan Calculator

Used RV & Boat: 2012 - 2016 Model Years

2011-2015 Models: Financing up to 100% Book Value - Maximum $75,000
2010-2008 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
6.00% 96 Months
6.25% 120 Months
6.50% 144 Months

Loan Application Loan Calculator

NEW Snowmobile, Jet Skis, ATV, Trailer/Camper, RV & Boats: Under $15,000

100% Financing for 2018, 2017 Model Years

APR as low as Term
3.75% Up to 60 Months

Loan Application Loan Calculator

Used Snowmobile, Jet Skis, ATV, Trailer/Camper, RV & Boats:  Under $15,000

100% Financing for 2012-2016 Model Years
80% Financing for 2009-2011 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 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
8.50% 12 Months
8.50% 24 Months
8.50% 36 Months
9.50% 48 Months
9.50% 60 Months
10.50% 66 Months
10.50% 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