Mortgage Rates

Rates listed on front of this page require Automatic Payment, SECNY FCU Checking Account and Direct Deposit. Otherwise, add 0.50%. Rates may change without notice. 

Credit restrictions apply. Rates effective as of 12/14/2017.

Home Mortgages - 1st Lien

Rate as Low As Available Terms
2.875% 7 Years
2.875% 10 Years
3.125% 15 Years
3.750% 20 Years
4.000% 30 Years

Loan Application Mortgage Calculator

1st Lien: Purchase, Refinance, Owner-Occupied, Primary Residence
Min. $30,000, Max. $424,100
Up to 95% of appraised value
No Points, Has Closing Costs $490 application fee.

Bi-Weekly Home Mortgages

Rate as Low As Available Terms
2.875% 7 Years
2.875% 10 Years
3.125% 15 Years
3.750% 20 Years
4.000% 30 Years

Loan Application Mortgage Calculator

1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence
Min. $30,000, Max. $424,100
Up to 95% of appraised value
No Points, Has Closing Costs, $490 Application Fee 

Home Equity Fixed 

Rate as Low as Available Terms
3.00% 1-5 Years
3.25% 7 Years
3.50% 10 Years
4.00% 15 Years

Loan Application Debt Consolidation Calculator

Principle 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 Kristy or 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

Rate as Low As Available Terms
2.99% 15 Years

Loan Application Debt Consolidation Calculator

*Introductory Rate, 10 Year Draw Period with 15 Year Repayment Term
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
*Regular Rate is variable based on Prime Rate (as published in the Wall Street Journal).
Rate subject to change annually on the anniversary date of the loan.

*Current Prime Rate is 4.50%
**See Kristy or 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% 1-3 Years
8.25% 5 Years
8.50% 7 Years
9.00% 10 Years
9.50% 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 due at application and refunded at closing.

Mortgages for Vacation Property

Rate as Low As Available Terms
5.000% Up to 15 Years

Loan Application Mortgage Calculator

1st Lien - Owner Occupied - No Investment Property - Minimum $30,000 - No Points - Has Closing Costs - 75% of appraisal - $490 application fee

Home Improvement Loan

Rate as Low As Available Terms
6.75% 1-12 months
6.75% 24 months
6.75% 36 months
7.00% 48 months
7.00% 60 months
7.25% 72 months
7.25% 84 months

Loan Application Payment Calculator

Maximum $25,000, Copy of deed required, Work Estimate, UCC1 Filed