Serving Everyone in Central New York

Loan Rates

Rates listed reflect Automatic Payment, SECNY Checking Account and Direct Deposit, otherwise add 0.50%. Rates may change without notice. Credit restrictions apply. Rates effective as of 4/1/2014.


All rates stated are APR. APR- Annual Percentage Rate.


New Auto & Motorcycle

2014, 2013 Models

Up to 100% Financing


Rate as low as: Available Terms
1.75% 12 Months
1.75% 24 Months
1.75% 36 Months
1.75% 48 Months
1.75% 60 Months
2.50% 72 Months
3.50% 84 Months

Used Auto & Motorcycle: 2008 - 2012 Model Years

Financing up to 100% Book Value. Use NADA Book Value average retail amount.


Rate as low as: Available Terms
1.75% 12 Months
1.75% 24 Months
1.75% 36 Months
2.50% 48 Months
2.50% 60 Months
3.00% 72 Months

Used Auto & Motorcycle: 2005 - 2007 Model Years

Financing 80% Book value. For 100% Financing, add .25%


Rate as low as: Available Terms
3.75% 12 Months
3.75% 24 Months
3.75% 36 Months
4.50% 48 Months
4.50% 60 Months

Used Auto & Motorcycle: 2004 and Older

Financing 80% Book Value ONLY For collector cars, requires appraisal.


Rate as low as: Available Terms
5.75% Up to 60 Months

New RV and Boat

2014, 2013 and 2012 (Under 10,000 miles) Models - 100% Financing - Maximum $75,000


Rate as low as: Available Terms
3.00% Up to 60 Months
3.75% 72 Months
3.75% 84 Months
4.75% 96 Months
5.25% 108 Months
5.50% 120 Months

Used RV and Boat

2008-2012 Models - 90% Financing - Minimum $15,000, Maximum 75,000 - 2003-2007 Financing 80% Book Value


Rate as low as: Available Terms
4.00% Up to 60 Months
5.00% 72 Months
5.25% 84 Months
5.50% 96 Months
6.00% 108 Months
6.25% 120 Months

New Snowmobile, Skijet, All-Terrain Vehicle, Trailer/Camper, RV & Boats

Under $15,000 - 100% Financing for 2013 and 2014 Model Years


Rate as low as: Available Terms
3.00% Up to 60 Months

Used Snowmobile, Skijet, All-Terrain Vehicle, Trailer/Camper, RV & Boats

Under $15,000 - 90% Financing for 2008-2012 Model Years

80% Financing 2003-2007 Model Years


Rate as low as: Available Terms
4.00% Up to 60 Months

Fully Share & Certificate Secured


Rate as low as: Available Terms
Share or Certificate Dividend Yield +2% . Variable rate adjusts when APY changes on account pledged 144 Months Maximum

Personal Loans

Maximum individual $10,000 - Maximum joint $20,000

Lifestyle Loans

To finance items such as medical or dental expenses not covered by insurance such as orthodontia, Lasik eye surgery, cosmetic surgery, fertility treatments or even veterinary expenses. Can also be used to finance cost of home decorating, furniture or landscaping. Maximum $20,000, Maximum Term 72 mos. MINIMUM CREDIT SCORE: 680


Rate as low as: Available Terms
8.50% 12 Months
8.50% 24 Months
8.50% 36 Months
9.50% 48 Months
9.50% 60 Months
10.50% 66 Months
10.50% 72 Months

Overdraft Protection


Rate as low as: Available Terms
15.90% Open End Maximum Limit $5,000

Loan Calculator

All values must be numeric (numbers and decimals only)

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