Business Loan Rates

Rates subject to change without notice. Credit restrictions apply. Rates effective as of 9/21/23.

Take Advantage of our Special Offers

To celebrate the upcoming Grand Opening of our new Fairmount Branch, we are celebrating across ALL of our SECNY branches with the following:

Take an additional 1.00% OFF rates listed with the following (maximum discount 1.00%):

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

New Vehicles 2023, 2022 Model Years

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

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

Used Vehicles 2017-2021 Model Years

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

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

Used Vehicles 2014-2016 Model Years

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

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 2023, 2022 Model Years

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

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

Used Miscellaneous Secured 2017-2021 Model Years

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

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 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 $5,000 OR no more than ½ of available credit line.}

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.