Mortgage Rates

Rates subject to change without notice. Credit restrictions apply. Rates effective as of 9/26/22.

Get a $500* Credit at Closing with one of the following:

*Must be new purchase or refinance from another institution. Existing SECNY loans may not be refinanced with this offer. $500 credit at closing does not apply to No Closing Costs mortgage option.
Certain conditions apply. Subject to change without notice.
**Save2Earn Account is designated for young adults ages 18-26.

Not a member? 

All eligible borrowers will need to become  a member of the credit union and open their membership account prior to or at time of application. View membership eligibility. 

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Home Mortgages

Rate as Low As Available Terms
4.500% 7 Years
4.750% 10 Years
4.875% 15 Years
5.250% 20 Years
5.500% 30 Years

Loan Application Mortgage Calculator

1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence
Min. $30,000, Max. $647,200
Up to 95% of appraised value, Points options available,
Has Closing Costs, $652 Application Fee (includes credit report and appraisal)

Bi-Weekly Home Mortgages

Rate as Low As Available Terms
4.500% 7 Years
4.750% 10 Years
4.875% 15 Years
5.250% 20 Years
5.500% 30 Years

Loan Application Mortgage Calculator

1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence
Min. $30,000, Max. $647,200
Up to 95% of appraised value, Points options available
Has Closing Costs, $652 Application Fee (includes credit report and appraisal)

Mortgages for Vacation Property

Rate as Low As Available Terms
6.000% Up to 20 Years

Loan Application Mortgage Calculator

1st Lien Owner-Occupied, No Investment Property. Minimum $30,000
Points options available. Has Closing Costs, 90% off appraisal,
$652 Application Fee (includes credit report and appraisal)

Jumbo Home Mortgages

Fixed, Adjustable Rate & Bi-Weekly Available

Contact Mortgage Services

1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence
Min. $647,201. Max. $970,800
Up to 95% of appraised value
Points options available, Has Closing Costs

No Closing Costs Option Mortgages

Contact (315)638-7061 for details. Certain Conditions apply.

Rate as Low As Available Terms
5.000% 7 Years
5.250% 10 Years
5.375% 15 Years
5.750% 20 Years
6.000% 30 Years
 Contact Mortgage Services

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

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

Home Equity Fixed 

Rate as Low as  Available Terms
5.00% 1-5 Years
5.25% 7 Years
5.50% 10 Years
5.75% 15 Years

Loan Application Debt Consolidation Calculator

Primary Residence Only - 1st or 2nd Lien Only
Loans from $10,000 to $150,000*
Maximum loan amount not to exceed 90% of appraised value
No Closing Costs**-$300.00 due at application and refunded at closing
*See Ellen for loan requests above $150,000
**All fees paid in conjunction with the loan are subject to recapture if the loan is closed within three years.

Home Equity Line of Credit

Rates listed required one of the following (otherwise add 0.25%): A SECNY Checking Account with eStatements OR you are a Save2Earn Account Holder

Rate as Low As Available Terms
1.99%* 180 Mos.

Loan Application Debt Consolidation Calculator

*Introductory Rate (in effect for 1st year) 10 Year Draw Period with 15 Year Repayment Term. Regular Rate is variable based on Prime Rate (as published in the Wall Street Journal). Current Prime Rate is 5.50%. Rate subject to change annually on the anniversary date of the loan.
Primary Residence Only, 1st or 2nd Lien Only, Loans from $10,000 to $150,000**
Maximum loan amount not to exceed 90% of appraised value
No Closing Costs***-$300.00 Application Fee (refunded at closing).

**See Ellen for loan requests above $150,000
***All fees paid in conjunction with the loan are subject to recapture if the loan is closed within three years.

Home Equity for Vacation Property

Rate as Low As Available Terms
8.00% 1-5 Years
8.50% 7 Years
9.00% 10 Years
9.25% 15 Years

Loan Application Debt Consolidation Calculator

Owner Occupied - 1st or 2nd Lien Only. Loans from $10,000-$150,000
Maximum loan amount not to exceed 75% of appraised value
No Closing Costs-All fees paid in conjunction with the loan are subject to recapture if the loan is closed within three years.
$300.00 Application Fee (refunded at closing).

Home Improvement Loans for Solar Panel & Solar Storage

Rate as Low As Available Terms
5.25% Up to 36 months
5.75% 48 - 60 months
6.25% 72 - 84 months
6.75% 96 months
6.75% 120 months

Loan Application Payment Calculator

Maximum $50,000. Copy of deed required. Work Estimate.
UCC1 Filed - FEE WAIVED as GREEN ADVANTAGE
Maximum two loan recalculations done when State and Federal rebates applied to principal as a GREEN ADVANTAGE* See Loan officer for more details.

Home Improvement Loan

Rate as Low As Available Terms
8.00% 1-12 months
8.00% 24 months
8.00% 36 months
8.25% 48 months
8.25% 60 months
8.50% 72 months
8.50% 84 months

Loan Application Payment Calculator

Maximum $40,000. Copy of deed required. Work Estimate. UCC1 Filed.