Business Loan Rates

Rates subject to change without notice. Credit restrictions apply. Rates effective as of 12/2/24.

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

  • You get or have one of our new, enhanced credit cards (minimum line of $5,000)

All member business loan requests must be referred to the VP of Lending- Ellen Dieffenbach at (315) 469-5599

New Vehicles 2025 - 2023 Model Years

Car, Van, Truck, SUV. Up to 100% Financing Max. $100,000

APR as low as Term
6.50% 12 months
6.50% 24 months
6.50% 36 months
6.75% 48 months
7.00% 60 months
7.75% 72 months

All member business loan requests must be referred to the VP of Lending, Ellen Dieffenbach at (315) 469-5599

Used Vehicles 2018-2022 Model Years

Car, Van, Truck, SUV. 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000

APR as low as Term
6.75% 12 months
6.75% 24 months
6.75% 36 months
7.25% 48 months
7.50% 60 months
8.25% 72 months

All member business loan requests must be referred to the VP of Lending- Ellen Dieffenbach at (315) 469-5599

Used Vehicles 2015-2017 Model Years

Car, Van, Truck, SUV. Financing 80% Book Value ONLY. Use NADA book value average retail amount. Financing Max. $100,000

APR as low as Term
8.75% 12 months
8.75% 24 months
8.75% 36 months
9.25% 48 months
9.50% 60 months

All member business loan requests must be referred to the VP of Lending, Ellen Dieffenbach at (315) 469-5599

Overdraft Protection Lines Of Credit (Revolving)

15.90% Open End. Maximum Limit $5,000. Reviewed annually.

All member business loan requests must be referred to the VP of Lending, Ellen Dieffenbach at (315) 469-5599

New Miscellaneous Secured 2025 - 2023 Model Years

Financing 80% Book Value Only, Max. $100,000

APR as low as Term
8.25% Up To 60 months
9.00% 72 months
9.25% 84 months

All member business loan requests must be referred to the VP of Lending, Ellen Dieffenbach at (315) 469-5599

Used Miscellaneous Secured 2018-2022 Model Years

Financing 80% Book Value Only, Max. $100,000

APR as low as Term
8.75% Up To 60 months
9.50% 72 months
10.25% 84 months

All member business loan requests must be referred to the VP of Lending, Ellen Dieffenbach at (315) 469-5599

Visa Business Credit Card

Visa Business Rewards

SECNY Visa Business Credit Card

View Additional Benefits

 0% Introductory APR for a period of 12 billing cycles.

After that, your APR will be11.50% to 15.50%1

Lines from $500-$25,000

Fees:

No Annual Fee

No Balance Transfer Fee2

Benefits:

Earn 1 point per $1 spent with uChoose Rewards®! PLUS: 10,000 bonus points after first purchase!

1 APR based on creditworthiness. APR will vary with the market based on the Prime Rate. 

2 Balance transfers limited to maximum of $10,000 OR no more than ½ of available credit line.

Contact us to Apply!

Contact us or visit our Business Lending page for more information.

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. 

Become a SECNY Federal Credit Union Member

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