Close the Year with Confidence

Fall Foliage

As 2025 winds down, it’s the perfect time to take charge of your finances and set yourself up for a strong start to the new year. Whether you're planning holiday expenses, consolidating debt, or looking to grow your savings, SECNY Federal Credit Union has exclusive year-end offers to help you close out the year with confidence.

Offers to Make the Holidays Brighter

Home Equity Line of Credit: as low as 2.99% APR1 NO CLOSING COSTS!1

Unlock the value in your home with a low-rate HELOC. Perfect for renovations, debt consolidation, or big dreams. Turn your home's equity into holiday magic.

Home Equity Checklist  View Rates

Holiday Loan Special: Rates as low as 4.99% APR + No Payments until January 2026!2

Whether it’s for special gifts, family Holiday fun, or a winter getaway, this limited-time loan gives you options — with no payments until next year! 

Loan Application  View Rates

Get Rewarded for Gifting

Earn points on every purchase make with a SECNY Debit or Credit Card and redeem for Cash, Gift Cards, Travel, and more!

Login to See Rewards Learn More

Skip-A-Payment Savings

Free up cash by skipping up to 2 monthly payments on certain loans.3 Tackle holiday spending with ease.

Let's Talk

Whether you're spending, saving, or planning ahead, SECNY is here to help you finish the year stronger than ever.

Why Choose SECNY?

  • Member-owned and not-for-profit

  • Personalized service with local roots

  • Innovative digital tools to help you manage and grow your money

  • Financial education and support for every stage of life

Join SECNY today and experience the credit union difference.

If you have any questions regarding our new services contact us at (315) 469-5599. We look forward to providing more convenience to your member experience!

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1 APR = Annual Percentage Rate. As low as 2.99% APR locked in for 1 year. Rate expressed for Line of Credit is variable and can be adjusted annually on the first day of the month following the anniversary date of opening. The rate is based on an Index Rate of the Wall Street Journal Prime Rate. There is no limit on the amount by which the Annual Percentage Rate can change during any one period up to the maximum permitted by law. Loan rate and amount are based on credit qualifications and available equity in property. Subject to change without notice. Home Equity Lines of Credit currently financed through SECNY Federal Credit Union cannot be refinanced with this offer. Funds advanced from a Home Equity Line of Credit with SECNY cannot be used to open a Certificate of Deposit at SECNY. Contact any SECNY office for details. All fees paid in conjunction with the loan are subject to recapture if the loan is closed within three years.

2 Maximum Loan amount is $2,500.00. APR may vary based on creditworthiness and term of the loan. Rates subject to change without notice. No payments until January 2026 or up to 75 days from date of the loan for loans booked October 1st, 2025 through January 31st, 2025. Skip Pay not available. Contact SECNY for details.

3 This offer good on certain loans only. Member in good standing is defined as a member who is not past due on any credit union loan payments at the time of the skip, has a satisfactory loan payment history and has handled all credit union accounts in a satisfactory manner with no history of NSF checks or negative account balances. The annual participation charge will only be assessed for the years that you choose to participate. This offer does not apply to Driving Sense loans, First Mortgage Loans, Holiday Loan Special, Relief Loans, Credit Cards, Overdraft Line of Credit and Fixed Home Equity or Home Equity Line of Credit products. Questions? Contact any SECNY office.