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Open an AccountRates subject to change without notice. Credit restrictions apply. Rates effective as of 12/2/24.
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| Rate as Low As | Available Terms |
|---|---|
| 5.500% | 7 Years |
| 5.750% | 10 Years |
| 6.000% | 15 Years |
| 6.250% | 20 Years |
| 6.500% | 30 Years |
1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence
Min. $30,000, Max. $766,550
Up to 95% of appraised value, Points options available,
Has Closing Costs, $776 Application Fee (includes credit report and appraisal; amount based on Onondaga County - fees for other counties may differ)
Bi-Weekly Home Mortgages
| Rate as Low As | Available Terms |
|---|---|
| 5.500% | 7 Years |
| 5.750% | 10 Years |
| 6.000% | 15 Years |
| 6.250% | 20 Years |
| 6.500% | 30 Years |
1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence
Min. $30,000, Max. $766,550
Up to 95% of appraised value, Points options available
Has Closing Costs, $776 Application Fee (includes credit report and appraisal; amount based on Onondaga County - fees for other counties may differ)
Mortgages for Vacation Property
| Rate as Low As | Available Terms |
|---|---|
| 6.500% | Up to 20 Years |
1st Lien Owner-Occupied, No Investment Property. Minimum $30,000
Points options available. Has Closing Costs, 90% off appraisal,
$776 Application Fee (includes credit report and appraisal; amount based on Onondaga County - fees for other counties may differ)
Jumbo Home Mortgages
Fixed, Adjustable Rate & Bi-Weekly Available
1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence
Min. $766,551. Max. $1,149,825
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 |
|---|---|
| 6.000% | 7 Years |
| 6.250% | 10 Years |
| 6.500% | 15 Years |
| 6.750% | 20 Years |
|
7.000% |
30 Years |
Take an additional 0.25% OFF Home Equity rates listed with one of the following (maximum discount 0.25%):
- You have a SECNY Checking Account w/Direct Deposit OR
- You are a Save2Earn Account Holder
*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 |
|---|---|
| 6.00% | 1-5 Years |
| 6.50% | 7 Years |
| 6.50% | 10 Years |
| 7.00% | 15 Years |
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.
Rates listed required one of the following (otherwise add 0.25%): A SECNY Checking Account with Direct Deposit OR you are a Save2Earn Account Holder. Funds advanced from a Home Equity Line of Credit with SECNY cannot be used to open a Certificate of Deposit at SECNY.
| Rate as Low As | Available Terms |
|---|---|
| 2.24%* | 180 Mos. |
*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 7.75%. 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 |
|---|---|
| 8.50% | 1-5 Years |
| 9.00% | 7 Years |
| 9.50% | 10 Years |
| 9.75% | 15 Years |
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 |
|---|---|
| 5.50% | Up to 36 months |
| 6.00% | 48 - 60 months |
| 6.50% | 72 - 84 months |
| 7.00% | 96 months |
| 7.25% | 120 months |
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 |
Maximum $40,000. Copy of deed required. Work Estimate. UCC1 Filed.
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