Serving Everyone in Central New York


SECNY is a proud lender to homeowners. Let us help you achieve your goals!

Mortgage Rates
Compare Our Current Rates

Loan Types Available

Apply online (Home Equity only), over the phone, or stop in to any branch.

Home Equity Loan and Lines of Credit

Choose from a fixed rate loan or variable rate line of credit. Home Equity Mortgages are based on the equity you have built up in your home. Consolidate bills, finance your child's education and more! Interest may be tax deductible. Consult your tax advisor. Home Equity Early Disclosure and Important Info about HELOCs.

Home Improvement Loan

Designed for a variety of purposes such as energy conservation and various home improvement projects. Rates change periodically. Call the credit union office for current information. Life and Disability Insurance is available upon request for home equity mortgages and Home Improvement Loans.

Home Mortgage

SECNY FCU offers a wide variety of home mortgages with competitive rates and terms up to 30 years. In partnership with CUC Mortgage, we can offer a wider variety of first mortgage products with minimal down payments. SECNY FCU offers mortgages for purchase and refinances in Onondaga, Oswego, Cayuga and Madison counties. Bi-Weekly payment option also available.

Genworth’s Homebuyer Privileges® discounts

SECNY is a participating lender of Homebuyer Privileges, an exclusive program that leverages the buying power of new homeowners to negotiate unique discounts from top merchants. See the complete list of offers once you register at

Contact the mortgage services department for daily rates and information or to schedule an appointment today!

Mortgage Services
2235 Downer Street
Baldwinsville, NY 13027
(315) 638-7061
Fax (315) 638-7103

SECNY members may also contact the Main Office and ask to speak with a mortgage services representative:

4727 West Seneca Turnpike
Syracuse, NY 13215
(315) 469-5599
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