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SECNY Federal Credit Union

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SECNY Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at SECNY Federal Credit Union?

Current rates for SECNY Federal Credit Union include: 12-Month CD: 4.50%, 24-Month CD: 3.20%, 60-Month CD: 3.40%, Savings: 1.50%

Q: What CD terms does SECNY Federal Credit Union offer?

SECNY Federal Credit Union CD rates are 4.50% APY for a 3 month CD, 4.50% APY for a 6 month CD, 4.50% APY for a 12 month CD, 3.20% APY for a 2 year CD, 3.35% APY for a 4 year CD and 3.40% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with SECNY Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

SECNY Federal Credit Union's 12 Month CD rates are at 4.50%, 3 Month CD rates are at 4.50%, 6 Month CD rates are at 4.50%, 60 Month CD rates are at 3.40%, 48 Month CD rates are at 3.35%. SECNY Federal Credit Union's savings rates are at 1.50%. SECNY Federal Credit Union's checking rates are as high as 0.20%. SECNY Federal Credit Union's Home Mortgage - 10 Years rates are at 6.25%, Home Mortgages - 10 Years rates are at 6.25%, Home Mortgage - 15 Years rates are at 6.50%, Home Mortgages - 15 Years rates are at 6.50%, Home Mortgage - 20 Years rates are at 6.75%. SECNY Federal Credit Union's Personal Loan Rates are as low as 5.50%. SECNY Federal Credit Union's CD rates are 41% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of SECNY Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.03%. Rates last updated and verified on 10/29/2026.

SECNY Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at SECNY Federal Credit Union? Share your experience about SECNY Federal Credit Union by leaving a review below, or read customer reviews before you decide to use SECNY Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.03%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

SECNY Federal Credit Union
Onondaga Hill

4727 W Seneca Tpke
Syracuse, NY 13215-2119

https://www.secny.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

SECNY Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	4.41%	4.50%	12 months
Min Deposit $1,000 Details Account code 32; Interest compounded monthly (Int. Monthly); Certificate Rates Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00% Oct 23, 20264.50%▲ from 4.00% Oct 13, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
3 Month Certificate	4.41%	4.50%	3 months
Min Deposit $2,500 Details Account code 35; Interest compounded monthly (Int. Monthly); Certificate Rates Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 2.35% → 4.50% ▲ 2.15 pts · high 4.50% / low 2.35% Oct 23, 20264.50%▲ from 2.35% Oct 13, 20262.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
6 Month Certificate	4.41%	4.50%	6 months
Min Deposit $1,000 Details Account code 34; Interest compounded monthly (Int. Monthly); Certificate Rates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
IRA Share Certificates - 12 Month	4.41%	4.50%	12 months
Min Deposit $500 Details Interest paid monthly; Share code 83 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00% Oct 23, 20264.50%▲ from 4.00% Oct 13, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
IRA Share Certificates - 6 Month	4.41%	4.50%	6 months
Min Deposit $500 Details Interest paid monthly; Share code 89 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Jumbo Certificate 12 Month	4.41%	4.50%	12 Month
Min Balance $50,000 Details Interest paid monthly; minimum $50,000 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00% Oct 23, 20264.50%▲ from 4.00% Oct 13, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Jumbo Certificate 6 Month	4.41%	4.50%	6 Month
Min Balance $50,000 Details Interest paid monthly; minimum $50,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
ROTH IRA Share Certificate - 12 Month	4.41%	4.50%	12 Month
Min Deposit $500 Details Share code 63; Int. Monthly Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
ROTH IRA Share Certificate - 6 Month	4.41%	4.50%	6 Month
Min Deposit $500 Details Share code 69; Int. Monthly Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
IRA Share Certificates - 60 Month	3.44%	3.50%	60 months
Min Deposit $500 Details Interest paid monthly; Share code 88 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Jumbo Certificate 60 Month	3.44%	3.50%	60 Month
Min Balance $50,000 Details Interest paid monthly; minimum $50,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
ROTH IRA Share Certificate - 60 Month	3.44%	3.50%	60 Month
Min Deposit $500 Details Share code 68; Int. Monthly Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
IRA Share Certificates - 48 Month	3.40%	3.45%	48 months
Min Deposit $500 Details Interest paid monthly; Share code 87 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Jumbo Certificate 48 Month	3.40%	3.45%	48 Month
Min Balance $50,000 Details Interest paid monthly; minimum $50,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
ROTH IRA Share Certificate - 48 Month	3.40%	3.45%	48 Month
Min Deposit $500 Details Share code 67; Int. Monthly Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
60 Month Certificate	3.35%	3.40%	60 months
Min Deposit $1,000 Details Account code 40; Interest compounded monthly (Int. Monthly); Certificate Rates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
IRA Share Certificates - 36 Month	3.35%	3.40%	36 months
Min Deposit $500 Details Interest paid monthly; Share code 86 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Jumbo Certificate 36 Month	3.35%	3.40%	36 Month
Min Balance $50,000 Details Interest paid monthly; minimum $50,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
ROTH IRA Share Certificate - 36 Month	3.35%	3.40%	36 Month
Min Deposit $500 Details Share code 66; Int. Monthly Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
48 Month Certificate	3.30%	3.35%	48 months
Min Deposit $1,000 Details Account code 39; Interest compounded monthly (Int. Monthly); Certificate Rates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
IRA Share Certificates - 30 Month	3.30%	3.35%	30 months
Min Deposit $500 Details Interest paid monthly; Share code 85 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Jumbo Certificate 30 Month	3.30%	3.35%	30 Month
Min Balance $50,000 Details Interest paid monthly; minimum $50,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
ROTH IRA Share Certificate - 30 Month	3.30%	3.35%	30 Month
Min Deposit $500 Details Share code 65; Int. Monthly Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
36 Month Certificate	3.25%	3.30%	36 months
Min Deposit $1,000 Details Account code 38; Interest compounded monthly (Int. Monthly); Certificate Rates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
IRA Share Certificates - 24 Month	3.25%	3.30%	24 months
Min Deposit $500 Details Interest paid monthly; Share code 84 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Jumbo Certificate 24 Month	3.25%	3.30%	24 Month
Min Balance $50,000 Details Interest paid monthly; minimum $50,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
ROTH IRA Share Certificate - 24 Month	3.25%	3.30%	24 Month
Min Deposit $500 Details Share code 64; Int. Monthly Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
30 Month Certificate	3.20%	3.25%	30 months
Min Deposit $1,000 Details Account code 37; Interest compounded monthly (Int. Monthly); Certificate Rates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
24 Month Certificate	3.15%	3.20%	24 months
Min Deposit $1,000 Details Account code 36; Interest compounded monthly (Int. Monthly); Certificate Rates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
30 Day Certificate	2.23%	2.25%	30 days
Min Deposit $2,500 Details Account code 30; Certificate Rates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%

SECNY Federal Credit Union Savings Rates

Product	Rate	APY
13 / Club (Save2Grow)	2.96%	3.00%
Min Deposit $100 Min Balance $100 Details Balance: $100-$500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
20 / Club (Save2Own)	2.96%	3.00%
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
HSA Savings	1.49%	1.50%
Min Balance $100 Details Balance: $100 minimum; Account code 21 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
01 / Regular Share	0.05%	0.05%
Min Deposit $100 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
10 / Club (Holiday)	0.05%	0.05%
Min Deposit $100 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
11 / Club (Save2Grow)	0.05%	0.05%
Min Balance $500 Details Balance: >$500.01 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
11 / Club (Vacation)	0.05%	0.05%
Min Deposit $100 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%

SECNY Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
03 / Business Share	0.05%	0.05%
Min Deposit $100 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%

SECNY Federal Credit Union Checking Rates

Product	Rate	APY
HSA Checking	0.20%	0.20%
Min Balance $5,000 Details Balance: $5,000.00 and over; Account code 29 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
HSA Checking	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000.00 - $4,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%

SECNY Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Home Mortgage - 10 Years	6.25%	-	6.25%	10 Years
Details As Low As; Rate as low as 6.250%; 1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence; Min. $30,000, Max. $832,750; Up to 95% of appraised value; Points options available; Has Closing Costs; Rates effective as of 10/21/26 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Mortgages - 10 Years	6.25%	-	6.25%	10 Years
Details As Low As; 1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence; Min. $30,000, Max. $832,750; Up to 95% of appraised value; Points options available; Has Closing Costs Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Mortgage - 15 Years	6.50%	-	6.50%	15 Years
Details As Low As; Rate as low as 6.500%; 1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence; Min. $30,000, Max. $832,750; Up to 95% of appraised value; Points options available; Has Closing Costs; Rates effective as of 10/21/26 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Mortgages - 15 Years	6.50%	-	6.50%	15 Years
Details As Low As; 1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence; Min. $30,000, Max. $832,750; Up to 95% of appraised value; Points options available; Has Closing Costs Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Mortgage - 20 Years	6.75%	-	6.75%	20 Years
Details As Low As; Rate as low as 6.750%; 1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence; Min. $30,000, Max. $832,750; Up to 95% of appraised value; Points options available; Has Closing Costs; Rates effective as of 10/21/26 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Mortgages - 20 Years	6.75%	-	6.75%	20 Years
Details As Low As; 1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence; Min. $30,000, Max. $832,750; Up to 95% of appraised value; Points options available; Has Closing Costs Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
No Closing Costs Option Mortgages	6.75%	-	6.75%	10 Years
Details As Low As; Only available for home purchase; mortgage refinance not available with no closing costs option; Certain conditions apply; Contact (315) 638-7061 for details Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
No Closing Costs Option Mortgages	7.00%	-	7.00%	15 Years
Details As Low As; Only available for home purchase; mortgage refinance not available with no closing costs option; Certain conditions apply; Contact (315) 638-7061 for details Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Mortgage - 30 Years	7.25%	-	7.25%	30 Years
Details As Low As; Rate as low as 7.250%; 1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence; Min. $30,000, Max. $832,750; Up to 95% of appraised value; Points options available; Has Closing Costs; Rates effective as of 10/21/26 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Mortgages - 30 Years	7.25%	-	7.25%	30 Years
Details As Low As; 1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence; Min. $30,000, Max. $832,750; Up to 95% of appraised value; Points options available; Has Closing Costs Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
No Closing Costs Option Mortgages	7.25%	-	7.25%	20 Years
Details As Low As; Only available for home purchase; mortgage refinance not available with no closing costs option; Certain conditions apply; Contact (315) 638-7061 for details Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
No Closing Costs Option Mortgages	7.75%	-	7.75%	30 Years
Details As Low As; Only available for home purchase; mortgage refinance not available with no closing costs option; Certain conditions apply; Contact (315) 638-7061 for details Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%

SECNY Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan for Vacation Property	8.50%	-	8.50%	1-5 Years
Details As Low As; Owner Occupied - 1st or 2nd Lien Only; Loans from $10,000-$150,000; Maximum loan amount not to exceed 75% of appraised value; No Closing Costs; $300.00 Application Fee (refunded at closing) Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Equity Loan for Vacation Property	9.00%	-	9.00%	7 Years
Details As Low As; Owner Occupied - 1st or 2nd Lien Only; Loans from $10,000-$150,000; Maximum loan amount not to exceed 75% of appraised value; No Closing Costs; $300.00 Application Fee (refunded at closing) Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 9.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Equity Loan for Vacation Property	9.50%	-	9.50%	10 Years
Details As Low As; Owner Occupied - 1st or 2nd Lien Only; Loans from $10,000-$150,000; Maximum loan amount not to exceed 75% of appraised value; No Closing Costs; $300.00 Application Fee (refunded at closing) Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 9.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Equity Loan for Vacation Property	9.75%	-	9.75%	15 Years
Details As Low As; Owner Occupied - 1st or 2nd Lien Only; Loans from $10,000-$150,000; Maximum loan amount not to exceed 75% of appraised value; No Closing Costs; $300.00 Application Fee (refunded at closing) Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 9.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%

SECNY Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
NEW Electric Cars & Motorcycles: 2027 - 2025 Model Years Loan	-	-	4.75%
Details Model year 2025; As Low As; Model Years 2027 - 2025; Up to 100% Financing Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Auto & Motorcycle: 2027 - 2025 Model Years - 12 months	-	-	5.00%	12 months
Details As Low As; Financing 100% Book Value. For 125% financing add 0.50% and GAP. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Auto & Motorcycle: 2027 - 2025 Model Years - 24 months	-	-	5.00%	24 months
Details As Low As; Financing 100% Book Value. For 125% financing add 0.50% and GAP. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Auto & Motorcycle: 2027 - 2025 Model Years - 36 months	-	-	5.00%	36 months
Details As Low As; Financing 100% Book Value. For 125% financing add 0.50% and GAP. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Electric Cars & Motorcycles: 2027 - 2025 Model Years Loan	-	-	5.00%	48 months
Details As Low As; Model Years 2027 - 2025; Up to 100% Financing Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 5.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Electric Cars & Motorcycles (2024 - 2020 Model Years) Loan	-	-	5.00%
Details Model year 2020; As Low As; Financing up to 100% Financing Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Auto & Motorcycle: 2027 - 2025 Model Years - 48 months	-	-	5.25%	48 months
Details As Low As; Financing 100% Book Value. For 125% financing add 0.50% and GAP. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Electric Cars & Motorcycles: 2027 - 2025 Model Years Loan	-	-	5.25%	60 months
Details As Low As; Model Years 2027 - 2025; Up to 100% Financing Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 5.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle Loan	-	-	5.25%	12 months
Details As Low As; Model Years: 2024 - 2020; Financing 100% Book Value. For 125% financing add 0.50% and GAP. Use NADA book value average retail amount. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle Loan	-	-	5.25%	24 months
Details As Low As; Model Years: 2024 - 2020; Financing 100% Book Value. For 125% financing add 0.50% and GAP. Use NADA book value average retail amount. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle Loan	-	-	5.25%	36 months
Details As Low As; Model Years: 2024 - 2020; Financing 100% Book Value. For 125% financing add 0.50% and GAP. Use NADA book value average retail amount. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Electric Cars & Motorcycles (2024 - 2020 Model Years) Loan	-	-	5.25%	48 months
Details As Low As; Financing up to 100% Financing Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 5.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Auto & Motorcycle: 2027 - 2025 Model Years - 60 months	-	-	5.50%	60 months
Details As Low As; Financing 100% Book Value. For 125% financing add 0.50% and GAP. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Electric Cars & Motorcycles: 2027 - 2025 Model Years Loan	-	-	5.50%	72 months
Details As Low As; Model Years 2027 - 2025; Up to 100% Financing Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle Loan	-	-	5.50%	48 months
Details As Low As; Model Years: 2024 - 2020; Financing 100% Book Value. For 125% financing add 0.50% and GAP. Use NADA book value average retail amount. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Electric Cars & Motorcycles (2024 - 2020 Model Years) Loan	-	-	5.50%	60 months
Details As Low As; Financing up to 100% Financing Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Auto & Motorcycle: 2027 - 2025 Model Years - 72 months	-	-	5.75%	72 months
Details As Low As; Financing 100% Book Value. For 125% financing add 0.50% and GAP. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Electric Cars & Motorcycles: 2027 - 2025 Model Years Loan	-	-	5.75%	84 months
Details As Low As; Model Years 2027 - 2025; Up to 100% Financing Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle Loan	-	-	5.75%	60 months
Details As Low As; Model Years: 2024 - 2020; Financing 100% Book Value. For 125% financing add 0.50% and GAP. Use NADA book value average retail amount. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Electric Cars & Motorcycles (2024 - 2020 Model Years) Loan	-	-	5.75%	72 months
Details As Low As; Financing up to 100% Financing Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Auto & Motorcycle: 2027 - 2025 Model Years - 84 months	-	-	6.00%	84 months
Details As Low As; Financing 100% Book Value. For 125% financing add 0.50% and GAP. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle Loan	-	-	6.00%	72 months
Details As Low As; Model Years: 2024 - 2020; Financing 100% Book Value. For 125% financing add 0.50% and GAP. Use NADA book value average retail amount. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
New Vehicles 2027, 2026, 2025 Model Years Loan	-	-	6.25%	12 months
Details As Low As; Car, Van, Truck, SUV; Financing 100% Book Value; For 125% add 0.50% and GAP; Max $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
New Vehicles 2027, 2026, 2025 Model Years Loan	-	-	6.25%	24 months
Details As Low As; Car, Van, Truck, SUV; Financing 100% Book Value; For 125% add 0.50% and GAP; Max $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
New Vehicles 2027, 2026, 2025 Model Years Loan	-	-	6.25%	36 months
Details As Low As; Car, Van, Truck, SUV; Financing 100% Book Value; For 125% add 0.50% and GAP; Max $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Electric Cars & Motorcycles (2024 - 2020 Model Years) Loan	-	-	6.25%	84 months
Details As Low As; Financing up to 100% Financing Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
New Vehicles 2027, 2026, 2025 Model Years Loan	-	-	6.50%	48 months
Details As Low As; Car, Van, Truck, SUV; Financing 100% Book Value; For 125% add 0.50% and GAP; Max $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Vehicles 2024-2020 Model Years Loan	-	-	6.50%	12 months
Details As Low As; Model Years 2024-2020; Car, Van, Truck, SUV; Financing 100% Book Value; For 125% add 0.50% and GAP; Use NADA book value average retail amount; Financing Max. $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Vehicles 2024-2020 Model Years Loan	-	-	6.50%	24 months
Details As Low As; Model Years 2024-2020; Car, Van, Truck, SUV; Financing 100% Book Value; For 125% add 0.50% and GAP; Use NADA book value average retail amount; Financing Max. $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Vehicles 2024-2020 Model Years Loan	-	-	6.50%	36 months
Details As Low As; Model Years 2024-2020; Car, Van, Truck, SUV; Financing 100% Book Value; For 125% add 0.50% and GAP; Use NADA book value average retail amount; Financing Max. $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
New Vehicles 2027, 2026, 2025 Model Years Loan	-	-	6.75%	60 months
Details As Low As; Car, Van, Truck, SUV; Financing 100% Book Value; For 125% add 0.50% and GAP; Max $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle Loan	-	-	6.75%	84 months
Details As Low As; Model Years: 2024 - 2020; Financing 100% Book Value. For 125% financing add 0.50% and GAP. Use NADA book value average retail amount. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Vehicles 2024-2020 Model Years Loan	-	-	7.00%	48 months
Details As Low As; Model Years 2024-2020; Car, Van, Truck, SUV; Financing 100% Book Value; For 125% add 0.50% and GAP; Use NADA book value average retail amount; Financing Max. $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle: 2019 - 2017 Model Years	-	-	7.25%	12 months
Details As Low As; Model Years: 2019 - 2017; Financing up to 80% Book Value. For 100% Financing add 0.25%. Use NADA Book Value average retail amount. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle: 2019 - 2017 Model Years	-	-	7.25%	24 months
Details As Low As; Model Years: 2019 - 2017; Financing up to 80% Book Value. For 100% Financing add 0.25%. Use NADA Book Value average retail amount. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle: 2019 - 2017 Model Years	-	-	7.25%	36 months
Details As Low As; Model Years: 2019 - 2017; Financing up to 80% Book Value. For 100% Financing add 0.25%. Use NADA Book Value average retail amount. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Vehicles 2024-2020 Model Years Loan	-	-	7.25%	60 months
Details As Low As; Model Years 2024-2020; Car, Van, Truck, SUV; Financing 100% Book Value; For 125% add 0.50% and GAP; Use NADA book value average retail amount; Financing Max. $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
New Vehicles 2027, 2026, 2025 Model Years Loan	-	-	7.50%	72 months
Details As Low As; Car, Van, Truck, SUV; Financing 100% Book Value; For 125% add 0.50% and GAP; Max $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle: 2019 - 2017 Model Years	-	-	7.75%	48 months
Details As Low As; Model Years: 2019 - 2017; Financing up to 80% Book Value. For 100% Financing add 0.25%. Use NADA Book Value average retail amount. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 7.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle: 2019 - 2017 Model Years	-	-	8.00%	60 months
Details As Low As; Model Years: 2019 - 2017; Financing up to 80% Book Value. For 100% Financing add 0.25%. Use NADA Book Value average retail amount. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Vehicles 2024-2020 Model Years Loan	-	-	8.00%	72 months
Details As Low As; Model Years 2024-2020; Car, Van, Truck, SUV; Financing 100% Book Value; For 125% add 0.50% and GAP; Use NADA book value average retail amount; Financing Max. $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle: 2016 and Older	-	-	8.50%	Up to 60 Months
Details As Low As; Financing 80% Book Value ONLY. For collector cars, requires appraisal. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Vehicles 2019-2017 Model Years Loan	-	-	8.50%	12 months
Details As Low As; Model Years: 2019-2017; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Rates effective as of 10/21/26 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Vehicles 2019-2017 Model Years Loan	-	-	8.50%	24 months
Details As Low As; Model Years: 2019-2017; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Rates effective as of 10/21/26 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Vehicles 2019-2017 Model Years Loan	-	-	8.50%	36 months
Details As Low As; Model Years: 2019-2017; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Rates effective as of 10/21/26 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Vehicles 2019-2017 Model Years Loan	-	-	9.00%	48 months
Details As Low As; Model Years: 2019-2017; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Rates effective as of 10/21/26 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
FRX New Auto & Motorcycle: 2027, 2026, 2025 Model Years	-	-	9.25%	12 months
Details As Low As; Financing 90% book value. Use NADA book value average retail amount. Minimum $5,000. Maximum $20,000. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
FRX New Auto & Motorcycle: 2027, 2026, 2025 Model Years	-	-	9.25%	24 months
Details As Low As; Financing 90% book value. Use NADA book value average retail amount. Minimum $5,000. Maximum $20,000. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
FRX New Auto & Motorcycle: 2027, 2026, 2025 Model Years	-	-	9.25%	36 months
Details As Low As; Financing 90% book value. Use NADA book value average retail amount. Minimum $5,000. Maximum $20,000. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Vehicles 2019-2017 Model Years Loan	-	-	9.25%	60 months
Details As Low As; Model Years: 2019-2017; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Rates effective as of 10/21/26 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
FRX New Auto & Motorcycle: 2027, 2026, 2025 Model Years	-	-	9.50%	48 months
Details As Low As; Financing 90% book value. Use NADA book value average retail amount. Minimum $5,000. Maximum $20,000. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
FRX Used Auto & Motorcycle: 2024-2020 Models	-	-	9.50%	12 months
Details As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
FRX Used Auto & Motorcycle: 2024-2020 Models	-	-	9.50%	24 months
Details As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
FRX Used Auto & Motorcycle: 2024-2020 Models	-	-	9.50%	36 months
Details As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
FRX New Auto & Motorcycle: 2027, 2026, 2025 Model Years	-	-	9.75%	60 months
Details As Low As; Financing 90% book value. Use NADA book value average retail amount. Minimum $5,000. Maximum $20,000. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
FRX New Auto & Motorcycle: 2027, 2026, 2025 Model Years	-	-	10.00%	72 months
Details As Low As; Financing 90% book value. Use NADA book value average retail amount. Minimum $5,000. Maximum $20,000. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 10.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
FRX Used Auto & Motorcycle: 2024-2020 Models	-	-	10.00%	48 months
Details As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 10.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
FRX New Auto & Motorcycle: 2027, 2026, 2025 Model Years	-	-	10.25%	84 months
Details As Low As; Financing 90% book value. Use NADA book value average retail amount. Minimum $5,000. Maximum $20,000. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 10.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
FRX Used Auto & Motorcycle: 2024-2020 Models	-	-	10.25%	60 months
Details As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 10.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
FRX Used Auto & Motorcycle: 2024-2020 Models	-	-	10.50%	72 months
Details As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 10.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
FRX Used Auto & Motorcycle: 2024-2020 Models	-	-	11.25%	84 months
Details As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 11.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
FRX Used Auto & Motorcycle: 2019-2015 Models	-	-	11.50%	12 months
Details As Low As; Financing 80% book value. For 90% financing add 0.25%. Minimum $5,000. Maximum $20,000. Use NADA book value average retail amount. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 11.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
FRX Used Auto & Motorcycle: 2019-2015 Models	-	-	11.50%	24 months
Details As Low As; Financing 80% book value. For 90% financing add 0.25%. Minimum $5,000. Maximum $20,000. Use NADA book value average retail amount. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 11.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
FRX Used Auto & Motorcycle: 2019-2015 Models	-	-	11.50%	36 months
Details As Low As; Financing 80% book value. For 90% financing add 0.25%. Minimum $5,000. Maximum $20,000. Use NADA book value average retail amount. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 11.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
FRX Used Auto & Motorcycle: 2019-2015 Models	-	-	12.00%	48 months
Details As Low As; Financing 80% book value. For 90% financing add 0.25%. Minimum $5,000. Maximum $20,000. Use NADA book value average retail amount. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 12.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
FRX Used Auto & Motorcycle: 2019-2015 Models	-	-	12.25%	60 months
Details As Low As; Financing 80% book value. For 90% financing add 0.25%. Minimum $5,000. Maximum $20,000. Use NADA book value average retail amount. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 12.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%

SECNY Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New RV, Boat & Trailer/Camper: 2027, 2026, 2025 Models Loan	-	7.00%	Up to 60 Months
Details As Low As; Financing 100% Book Value. For 125% financing add 0.50% and GAP - Maximum $100,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Snowmobile, Jet Ski, ATV, Trailer/Camper, RV & Boat: Loan	-	7.00%	Up to 60 Months
Details Under $15,000; As Low As; 100% Financing for 2027, 2026, 2025 Model Years; Loan Amount Under $15,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
New RV, Boat & Trailer/Camper: 2027, 2026, 2025 Models Loan	-	7.50%	72 months
Details As Low As; Financing 100% Book Value. For 125% financing add 0.50% and GAP - Maximum $100,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used RV, Boat & Trailer/Camper Loan	-	7.50%	Up to 60 Months
Details As Low As; Model Years: 2019-2017; Financing up to 80% Book Value Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Snowmobile, Jet Ski, ATV, Trailer/Camper, RV & Boat: Loan	-	7.50%	Up to 60 Months
Details Under $15,000; As Low As; Financing 100% Book Value for 2024-2020 Models; 80% Financing for 2019-2017 Model Years; For 125% financing add 0.50% and GAP Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
New RV, Boat & Trailer/Camper: 2027, 2026, 2025 Models Loan	-	7.75%	84 months
Details As Low As; Financing 100% Book Value. For 125% financing add 0.50% and GAP - Maximum $100,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used RV, Boat & Trailer/Camper Loan	-	8.00%	72 months
Details As Low As; Model Years: 2019-2017; Financing up to 80% Book Value Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used RV, Boat & Trailer/Camper Loan	-	8.75%	84 months
Details As Low As; Model Years: 2019-2017; Financing up to 80% Book Value Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
New RV, Boat & Trailer/Camper: 2027, 2026, 2025 Models Loan	-	9.25%	96 months
Details As Low As; Financing 100% Book Value. For 125% financing add 0.50% and GAP - Maximum $100,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
New RV, Boat & Trailer/Camper: 2027, 2026, 2025 Models Loan	-	9.50%	120 months
Details As Low As; Financing 100% Book Value. For 125% financing add 0.50% and GAP - Maximum $100,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
New RV, Boat & Trailer/Camper: 2027, 2026, 2025 Models Loan	-	9.75%	144 months
Details As Low As; Financing 100% Book Value. For 125% financing add 0.50% and GAP - Maximum $100,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
New RV, Boat & Trailer/Camper: 2027, 2026, 2025 Models Loan	-	10.00%	180 months
Details As Low As; Financing 100% Book Value. For 125% financing add 0.50% and GAP - Maximum $100,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 10.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used RV, Boat & Trailer/Camper Loan	-	10.00%	96 months
Details As Low As; Model Years: 2019-2017; Financing up to 80% Book Value Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 10.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used RV, Boat & Trailer/Camper Loan	-	10.00%	120 months
Details As Low As; Model Years: 2019-2017; Financing up to 80% Book Value Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 10.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used RV, Boat & Trailer/Camper Loan	-	10.00%	144 months
Details As Low As; Model Years: 2019-2017; Financing up to 80% Book Value Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 10.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%

SECNY Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Business Credit Card	-	0.00%
Details Intro rate expires: 12 billing cycles; Regular APR: 10.00% to 14.00%; Lines from $500-$25,000; No Annual Fee; No Balance Transfer Fee; Bonus: 10,000 bonus points after first purchase Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%

SECNY Federal Credit Union Personal Loan Rates

Product	APR	Term
Home Improvement Loans for Solar Panel & Solar Storage	5.50%	Up to 36 months
Details As Low As; Maximum $50,000. Copy of deed required. Work Estimate. UCC1 Filed - FEE WAIVED as GREEN ADVANTAGE. Maximum two loan recalculations done when State and Federal rebates applied to principal as a GREEN ADVANTAGE Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Improvement Loans for Solar Panel & Solar Storage	6.00%	48 - 60 months
Details As Low As; Maximum $50,000. Copy of deed required. Work Estimate. UCC1 Filed - FEE WAIVED as GREEN ADVANTAGE. Maximum two loan recalculations done when State and Federal rebates applied to principal as a GREEN ADVANTAGE Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Improvement Loans for Solar Panel & Solar Storage	6.50%	72 - 84 months
Details As Low As; Maximum $50,000. Copy of deed required. Work Estimate. UCC1 Filed - FEE WAIVED as GREEN ADVANTAGE. Maximum two loan recalculations done when State and Federal rebates applied to principal as a GREEN ADVANTAGE Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Improvement Loans for Solar Panel & Solar Storage	7.00%	96 months
Details As Low As; Maximum $50,000. Copy of deed required. Work Estimate. UCC1 Filed - FEE WAIVED as GREEN ADVANTAGE. Maximum two loan recalculations done when State and Federal rebates applied to principal as a GREEN ADVANTAGE Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Improvement Loans for Solar Panel & Solar Storage	7.25%	120 months
Details As Low As; Maximum $50,000. Copy of deed required. Work Estimate. UCC1 Filed - FEE WAIVED as GREEN ADVANTAGE. Maximum two loan recalculations done when State and Federal rebates applied to principal as a GREEN ADVANTAGE Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Personal Loans	9.00%	12 months
Details As Low As; Maximum individual $10,000 - Maximum joint $20,000 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 9.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Personal Loans	9.00%	24 months
Details As Low As; Maximum individual $10,000 - Maximum joint $20,000 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 9.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Personal Loans	9.25%	36 months
Details As Low As; Maximum individual $10,000 - Maximum joint $20,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 7.50% → 9.25% ▲ 1.75 pts · high 9.25% / low 7.50% Oct 13, 20269.25%▲ from 7.50% Sep 18, 20267.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Personal Loans	10.00%	48 months
Details As Low As; Maximum individual $10,000 - Maximum joint $20,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 7.75% → 10.00% ▲ 2.25 pts · high 10.00% / low 7.75% Oct 13, 202610.00%▲ from 7.75% Sep 18, 20267.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Personal Loans	10.25%	60 months
Details As Low As; Maximum individual $10,000 - Maximum joint $20,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 7.75% → 10.25% ▲ 2.50 pts · high 10.25% / low 7.75% Oct 13, 202610.25%▲ from 7.75% Sep 18, 20267.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Personal Loans	11.25%	66 months
Details As Low As; Maximum individual $10,000 - Maximum joint $20,000 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 11.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Personal Loans	11.25%	72 months
Details As Low As; Maximum individual $10,000 - Maximum joint $20,000 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 11.25% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%

SECNY Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Electric Bicycles Loan	-	-	6.75%	Up to 60 Months
Details As Low As; Models: 2027, 2026, 2025 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Holiday Loan Special	-	-	4.99%
Details As Low As; No payments until January 2027; Homepage promo card Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Improvement Loan	8.00%	-	8.00%	1 - 12 months
Details As Low As; Maximum $40,000. Copy of deed required. Work Estimate. UCC1 Filed. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Improvement Loan	8.00%	-	8.00%	24 months
Details As Low As; Maximum $40,000. Copy of deed required. Work Estimate. UCC1 Filed. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Improvement Loan	8.00%	-	8.00%	36 months
Details As Low As; Maximum $40,000. Copy of deed required. Work Estimate. UCC1 Filed. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Improvement Loan	8.25%	-	8.25%	48 months
Details As Low As; Maximum $40,000. Copy of deed required. Work Estimate. UCC1 Filed. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Improvement Loan	8.25%	-	8.25%	60 months
Details As Low As; Maximum $40,000. Copy of deed required. Work Estimate. UCC1 Filed. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Improvement Loan	8.50%	-	8.50%	72 months
Details As Low As; Maximum $40,000. Copy of deed required. Work Estimate. UCC1 Filed. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Improvement Loan	8.50%	-	8.50%	84 months
Details As Low As; Maximum $40,000. Copy of deed required. Work Estimate. UCC1 Filed. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Pool Loans	-	-	7.50%	12 months
Details As Low As; Pool Loan Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Pool Loans	-	-	7.50%	24 months
Details As Low As; Pool Loan Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Pool Loans	-	-	7.50%	36 months
Details As Low As; Pool Loan Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Pool Loans	-	-	7.75%	48 months
Details As Low As; Pool Loan Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Pool Loans	-	-	7.75%	60 months
Details As Low As; Pool Loan Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Pool Loans	-	-	8.00%	72 months
Details As Low As; Pool Loan Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Pool Loans	-	-	8.00%	84 months
Details As Low As; Pool Loan Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Pool Loans	-	-	8.25%	96 months
Details As Low As; Pool Loan Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Pool Loans	-	-	8.25%	108 months
Details As Low As; Pool Loan Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Pool Loans	-	-	8.50%	120 months
Details As Low As; Pool Loan Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
79 / Cash Management	1.00%	-	1.00%
Min Balance $75,000 Details Balance: > $75,000.00 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
79 / Cash Management	0.85%	-	0.85%
Min Balance $50,000 Details Balance: $50,000 - $74,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
79 / Cash Management	0.60%	-	0.60%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
79 / Cash Management	0.40%	-	0.40%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
79 / Cash Management	0.30%	-	0.30%
Min Balance $2,000 Details Balance: $2,000 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
81/91/97 IRA Activity Account	0.20%	-	0.20%
Min Balance $10,000 Details Balance: >$10,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
81/91/97 IRA Activity Account	0.10%	-	0.10%
Min Balance $100 Details Balance: $100-$9,999.99 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

SECNY Federal Credit Union’s Texas Ratio rose from 4.53% in Q3 2023 to 6.03% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$323M	6.03%	5.0	A
March 31, 2026	$318M	5.82%	5.0	A+
December 31, 2025	$310M	6.01%	5.0	A
September 30, 2025	$306M	7.89%	5.0	A
June 30, 2025	$308M	7.97%	5.0	A
March 31, 2025	$298M	5.88%	5.0	A+
December 31, 2024	$287M	8.35%	5.0	A
September 30, 2024	$285M	7.44%	5.0	A
June 30, 2024	$295M	6.45%	5.0	A
March 31, 2024	$290M	4.82%	5.0	A+
December 31, 2023	$286M	6.03%	5.0	A
September 30, 2023	$284M	4.53%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for SECNY Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather SECNY Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with SECNY Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SECNY Federal Credit Union

Website https://www.secny.org

Address 4727 W Seneca Tpke, Syracuse, NY 13215-2119

Phone 315-469-5599

Fax 315-469-5921

President Anne Marie Voutsinas

CEO Courtney Fulmer

Full-Time Employees 62

Part-Time Employees 1

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.03%

Return on Assets (ROA)

0.2066%

Return on Equity (ROE)

2.8049%

Non-Performing Loans Ratio (NPL)

0.93%

Total Assets

322,735,030

Total Amount of Shares and Deposits

297,192,142

Total Shares and Deposits < 1 Year

283,100,710

Total Shares and Deposits 1 3 Years

11,981,853

Total Shares and Deposits > 3 Years

2,109,577

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

27,967,019

Total Uninsured Shares and Deposits > $250K (F+J)

27,967,019

Total Insured Shares and Deposits > $250K (item 17 less item K)

269,225,123

Total Interest Expense (Sum of items 6 8)

1,532,510

Share Certificates

1,343

Number of Accounts for Share Drafts

9,656

IRA KEOGH Accounts

506

Number of Accounts for Regular Shares

17,059

All other shares

1,332

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

37,109,937

Total Liabilities

298,960,855

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

SECNY Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆

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Frequently Asked Questions About SECNY Federal Credit Union

Does SECNY Federal Credit Union offer CDs?

Yes. SECNY Federal Credit Union current CD rates include its 12 Month CD at 4.50% APY, its 3 Month CD at 4.50% APY and its 6 Month CD at 4.50% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from SECNY Federal Credit Union NCUA insured?

Yes. SECNY Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at SECNY Federal Credit Union?

The highest SECNY Federal Credit Union CD rate is its 12 Month CD at 4.50% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does SECNY Federal Credit Union offer?

SECNY Federal Credit Union CD rates are 4.50% APY for a 3 month CD, 4.50% APY for a 6 month CD, 4.50% APY for a 12 month CD, 3.20% APY for a 2 year CD, 3.35% APY for a 4 year CD and 3.40% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with SECNY Federal Credit Union for its full lineup.

What is the highest savings rate at SECNY Federal Credit Union?

The highest SECNY Federal Credit Union savings rate is its HSA Savings at 1.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at SECNY Federal Credit Union?

The highest SECNY Federal Credit Union checking rate is its HSA Checking at 0.20% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest mortgage rate at SECNY Federal Credit Union?

The lowest SECNY Federal Credit Union mortgage rate is its Home Mortgage - 10 Years at 6.25%, verified by MonitorBankRates as of October 29, 2026. SECNY Federal Credit Union mortgage rates are 7.25% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.50% for a 15 year mortgage and 6.25% for a 10 year mortgage.

What is the lowest auto loan rate at SECNY Federal Credit Union?

The lowest SECNY Federal Credit Union auto loan rate is its NEW Electric Cars & Motorcycles: 2027 - 2025 Model Years Loan at 4.75% APR, verified by MonitorBankRates as of October 29, 2026. SECNY Federal Credit Union auto loan rates are 5.00% APR for a 12 month auto loan, 5.00% APR for a 24 month auto loan, 5.00% APR for a 36 month auto loan, 5.25% APR for a 48 month auto loan, 5.50% APR for a 60 month auto loan, 5.75% APR for a 72 month auto loan and 6.00% APR for an 84 month auto loan.

What is the lowest personal loan rate at SECNY Federal Credit Union?

The lowest SECNY Federal Credit Union personal loan rate is its Personal Loans at 9.00% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does SECNY Federal Credit Union operate?

SECNY Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join SECNY Federal Credit Union?

Yes, to access services at SECNY Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, SECNY Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, SECNY Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does SECNY Federal Credit Union offer online and mobile banking?

Most modern institutions like SECNY Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.secny.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do SECNY Federal Credit Union rates compare?

SECNY Federal Credit Union's CD rates are 41% higher than the MonitorBankRates national average, and it has an A health rating. SECNY Federal Credit Union's top rates are its 12 Month CD at 4.50% APY, its HSA Savings at 1.50% APY, its HSA Checking at 0.20% APY, its Home Mortgage - 10 Years at 6.25% and its Home Improvement Loans for Solar Panel & Solar Storage at 5.50% APR, verified by MonitorBankRates on October 29, 2026.

Current SECNY Federal Credit Union Rates

12-Month CD4.50%
24-Month CD3.20%
60-Month CD3.40%
Savings1.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

SECNY Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

SECNY Federal Credit Union Texas Ratio

SECNY Federal Credit Union Health Trend

SECNY Federal Credit Union CD Rates

SECNY Federal Credit Union Savings Rates

SECNY Federal Credit Union Business Savings Rates

SECNY Federal Credit Union Checking Rates

SECNY Federal Credit Union Mortgage Rates

SECNY Federal Credit Union Home Equity & HELOC

SECNY Federal Credit Union Auto Loan Rates

SECNY Federal Credit Union RV, Boat and Powersport Loan Rates

SECNY Federal Credit Union Credit Card Rates

SECNY Federal Credit Union Personal Loan Rates

SECNY Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

SECNY Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About SECNY Federal Credit Union

Does SECNY Federal Credit Union offer CDs?

Are CDs from SECNY Federal Credit Union NCUA insured?

What is the highest CD rate at SECNY Federal Credit Union?

What CD terms does SECNY Federal Credit Union offer?

What is the highest savings rate at SECNY Federal Credit Union?

What is the highest checking rate at SECNY Federal Credit Union?

What is the lowest mortgage rate at SECNY Federal Credit Union?

What is the lowest auto loan rate at SECNY Federal Credit Union?

What is the lowest personal loan rate at SECNY Federal Credit Union?

How many branches does SECNY Federal Credit Union operate?

Is a member application needed to join SECNY Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does SECNY Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do SECNY Federal Credit Union rates compare?

Current SECNY Federal Credit Union Rates

Compare to Other Credit Unions