Business Loan Rates

Rates subject to change without notice. Credit restrictions apply. Rates effective as of 4/1/21.

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)

^{*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 2021, 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 2021, 2020, 2019 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 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 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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