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Mortgage LoginRates subject to change without notice. Credit restrictions apply. Rates effective as of 3/23/20.
Take an additional 0.25% OFF rates listed with one of the following (maximum discount 0.25%):
- You get or have one of our new, enhanced credit cards (minimum line of $5,000) OR
- You have direct deposit and active checking account
*Rate discount excludes Share Secured Loans, Credit Cards and Lines of Credit Loans.
All loan payments require automatic payment from a SECNY FCU account.
All member business loan requests must be referred to the VP of Lending- Ellen Dieffenbach at (315) 469-5599
New Vehicles 2020 - 2019 Model Years
Car, Van, Truck, SUV. Up to 100% Financing Max. $100,000
| APR as low as | Term |
|---|---|
| 3.50% | 12 months |
| 3.50% | 24 months |
| 3.50% | 36 months |
| 4.00% | 48 months |
| 4.25% | 60 months |
| 4.50% | 72 months |
All member business loan requests must be referred to the VP of Lending, Ellen Dieffenbach at (315) 469-5599
Used Vehicles 2014-2018 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 |
|---|---|
| 4.00% | 12 months |
| 4.00% | 24 months |
| 4.00% | 36 months |
| 4.75% | 48 months |
| 4.75% | 60 months |
| 5.00% | 72 months |
All member business loan requests must be referred to the VP of Lending- Ellen Dieffenbach at (315) 469-5599
Used Vehicles 2011-2013 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 |
|---|---|
| 5.75% | 12 months |
| 5.75% | 24 months |
| 5.75% | 36 months |
| 6.50% | 48 months |
| 6.50% | 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 2019-2020 Model Years
Financing 80% Book Value Only, Max. $100,000
| APR as low as | Term |
|---|---|
| 5.00% | Up To 60 months |
| 6.25% | 72 months |
| 6.50% | 84 months |
All member business loan requests must be referred to the VP of Lending, Ellen Dieffenbach at (315) 469-5599
Used Miscellaneous Secured 2014-2018 Model Years
Financing 80% Book Value Only, Max. $100,000
| APR as low as | Term |
|---|---|
| 6.00% | Up To 60 months |
| 7.00% | 72 months |
| 7.25% | 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
|
0% Introductory APR for a period of 12 billing cycles. After that, your APR will be 6.25% to 10.25%* Lines from $500-$25,000 |
Fees: No Annual Fee No Balance Transfer Fee Benefits: Earn 1 point per $1 spent with uChoose Rewards! PLUS: 10,000 bonus points after first purchase! |
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.
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