Routing & Transit #: 221381304
Effective July 1st, 2025, our Funds Availability Policy has changed to reflect new guidelines under Regulation CC. These changes affect how quickly funds from check deposits are available and the thresholds for account exceptions. Click here for information.
All SECNY offices will be closed on Friday, July 4th and Saturday, July 5th for Independence Day.
Rates subject to change without notice. Credit restrictions apply.
Rates effective as of 7/01/25.
Take an additional 0.25% OFF rates listed with the following
(maximum discount 0.25%):
All member business loan requests must be referred to the
VP of Lending- Ellen Dieffenbach at (315) 469-5599
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.
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.
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.
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.
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.
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.
0% Introductory APR for a period of 12 billing cycles.
After that, your APR will be
11.50% 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 for More Information
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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