Business Loan Rates

Rates subject to change without notice. Credit restrictions apply. Rates effective as of 10/6/20.

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)

*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
3.25% 12 months
3.25% 24 months
3.25% 36 months
3.75% 48 months
4.00% 60 months
4.25% 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
3.75% 12 months
3.75% 24 months
3.75% 36 months
4.50% 48 months
4.50% 60 months
4.75% 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
5.50% 12 months
5.50% 24 months
5.50% 36 months
6.25% 48 months
6.25% 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
4.75% Up To 60 months
6.00% 72 months
6.25% 84 months

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

Used Miscellaneous Secured 2014-2018 Model Years

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

APR as low as Term
5.75% Up To 60 months
6.75% 72 months
7.00% 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 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!

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

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