Loan Rates

Rates subject to change without notice. Credit restrictions apply. Rates effective as of 4/1/24.

Take an additional 0.25% OFF rates listed with one of the following (maximum discount 0.25%):

You have a SECNY Checking Account w/eStatements OR
You are a Save2Earn Account Holder

^{*Rate discount excludes Holiday Loan Special, Share Secured Loans, Credit Cards and Lines of Credit Loans.}^{All loan payments require automatic payment from a SECNY FCU account.}

NEW Electric Cars & Motorcycles: 2024 - 2023 Model Years

Up to 100% Financing. Rate floor is 2.00% APR.

APR as low as	Term
5.75%	12 - 36 months
6.00%	48 months
6.25%	60 months
6.50%	72 months
6.75%	84 months

Loan Application Auto Loan Calculator

^{Members will be allowed two loan recalculations once they apply the full amount of any tax credit and/or rebate as a GREEN ADVANTAGE.}

USED Electric Cars & Motorcycles: 2022 - 2018 Model Years

Up to 100% Financing.

APR as low as	Term
6.25%	12 - 36 months
6.50%	48 months
6.75%	60 months
7.00%	72 months
7.50%	84 months

Loan Application Auto Loan Calculator

^{Members will be allowed two loan recalculations once they apply the full amount of any tax credit and/or rebate as a GREEN ADVANTAGE.}

New Auto & Motorcycle: 2024, 2023 Model Years

Up to 100% Financing

APR as low as	Term
6.25%	12 months
6.25%	24 months
6.25%	36 months
6.50%	48 months
6.75%	60 months
7.00%	72 months
7.25%	84 months

Loan Application Auto Loan Calculator

Used Auto & Motorcycle: 2018 - 2022 Model Years

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

APR as low as	Term
6.50%	12 months
6.50%	24 months
6.50%	36 months
7.00%	48 months
7.25%	60 months
7.50%	72 months
8.25%	84 months

Loan Application Auto Loan Calculator

Used Auto & Motorcycle: 2015 - 2017 Model Years

Financing up to 80% Book Value. For 100% Financing add 0.25%. Use NADA Book Value average retail amount.

APR as low as	Term
8.50%	12 months
8.50%	24 months
8.50%	36 months
9.00%	48 months
9.25%	60 months

Loan Application Auto Loan Calculator

Used Auto & Motorcycle: 2014 and Older

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

APR as low as	Term
9.75%	Up to 60 Months

Loan Application Auto Loan Calculator

Electric Bicycles: 2024, 2023 Models

APR as low as	Term
7.25%	Up to 60 Months

Loan Application Loan Calculator

^{UCC1 Filed - FEE WAIVED as GREEN ADVANTAGE. Maximum loan amount $10,000}

New RV, Boat & Trailer/Camper: 2024, 2023 Models

Up to 100% Financing - Maximum $100,000

APR as low as	Term
8.00%	Up to 60 Months
8.50%	72 Months
8.75%	84 Months
10.25%	96 Months
10.50%	120 Months
10.75%	144 Months
11.00%	180 Months

Loan Application Loan Calculator

Used RV, Boat & Trailer/Camper:

2018-2022 Models: Financing up to 100% Book Value - Maximum $75,000
2017-2015 Financing up to 80% Book Value

APR as low as	Term
8.50%	Up to 60 Months
9.00%	72 Months
9.75%	84 Months
11.00%	96 Months
11.00%	120 Months
11.00%	144 Months

Loan Application Loan Calculator

NEW Snowmobile, Jet Ski, ATV, Trailer/Camper, RV & Boat:Under $15,000

100% Financing for 2024, 2023 Model Years

APR as low as	Term
8.00%	Up to 60 Months

Loan Application Loan Calculator

Used Snowmobile, Jet Ski, ATV, Trailer/Camper, RV & Boat: Under $15,000

100% Financing for 2018 - 2022 Model Years
80% Financing for 2015 - 2017 Model Years

APR as low as	Term
8.50%	Up to 60 Months

Loan Application Loan Calculator

Fully Share & Certificate Secured:

APR as low as	Term
Share or Certificate Dividend Yield +2% . Variable rate adjusts when APY changes on the account pledged.	144 Months Maximum

Loan Application Loan Calculator

Personal Loans:

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

APR as low as	Term
9.00%	12 Months
9.00%	24 Months
9.25%	36 Months
10.00%	48 Months
10.25%	60 Months
11.25%	66 Months
11.25%	72 Months

Loan Application Loan Calculator

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 Individual $10,000, Maximum Joint $20,000, Maximum Term 72 mos. MINIMUM CREDIT SCORE: 680

Overdraft Protection:

APR as low as	Term
15.90% Open End	Maximum Limit $5,000

Loan Application Loan Calculator

Driving Sense NEW Vehicle: 2024 Model Years

Max Mileage 30,000

APR as low as	Term
7.25%	24-39 months
8.75%	42-63 months
8.50%	66-72 months

Loan Application Driving Sense Calculator

^{Minimum Loan amount for less than 66 months: $5,000. Minimum Loan Amount for 66-72 Months: $10,000.}

Driving Sense Used Vehicle:

2023 Models - Max Mileage 45,000
2022 Models - Max Mileage 60,000
2021 Models - Max Mileage 75,000
2020 Models - Max Mileage 90,000
2019 Models - Max Mileage 105,000

APR as low as	Term
7.50%	24-39 months
8.25%	42-63 months
9.00%	66-72 months

Loan Application Driving Sense Calculator

^{Minimum Loan amount for less than 66 months: $5,000. Minimum Loan Amount for 66-72 Months: $10,000.}