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SECNY Federal Credit Union

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SECNY Federal Credit Union Rates & Review August 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

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

SECNY Federal Credit Union's Personal Loan Rates are at 8.25%. 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 7.89%. Rates last updated and verified on 08/29/2026.

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 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.89%

Excellent Higher than avg

SECNY Federal Credit Union
Onondaga Hill

4727 W Seneca Tpke
Syracuse, NY 13215 2119

https://www.secny.org

SECNY Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	5.50%	Up to 36 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Home Equity Loan	-	-	6.00%	48 - 60 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Home Equity Loan	-	-	6.50%	72 - 84 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Home Equity Loan	-	-	7.00%	96 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Home Equity Loan	-	-	7.25%	120 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Home Equity Loan	-	-	8.00%	1 - 12 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Home Equity Loan	-	-	8.25%	48 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Home Equity Loan	8.50%	-	8.50%	1-5 Years
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Home Equity Loan	9.00%	-	9.00%	7 Years
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Home Equity Loan	9.50%	-	9.50%	10 Years
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Home Equity Loan	9.75%	-	9.75%	15 Years
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%

SECNY Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loan	-	-	5.00%	12 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	5.00%	12 months
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	5.25%	48 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	5.50%	60 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	5.50%	48 months
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	5.75%	72 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	5.75%	60 months
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	6.00%	84 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	6.00%	72 months
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	6.75%	Up to 60 Months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	6.75%	84 months
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	7.25%	12 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	7.75%	48 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	8.00%	60 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	8.50%	Up to 60 Months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	9.25%	12 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	9.50%	48 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	9.50%	12 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	9.75%	60 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	10.00%	72 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	10.00%	48 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	10.25%	84 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	10.25%	60 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	10.50%	72 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	11.25%	84 months
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	11.50%	12 months
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	12.00%	48 months
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Vehicle Loan	-	-	12.25%	60 months
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%

SECNY Federal Credit Union Credit Card Rates

Product	Rate	APR
MasterCard World	-	7.75%
Details Intro rate expires: 12 months; Regular APR: 7.75% to 9.75% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
MasterCard Platinum Rewards	-	9.75%
Details Intro rate expires: 12 months; Regular APR: 9.75% to 11.75% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Visa Business Rewards	-	9.75%
Details Intro rate expires: 12 months; Regular APR: 9.75% to 11.75% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Visa Business Rewards Credit Card	-	9.75%
Details Intro rate expires: 12 months; Regular APR: 9.75% to 11.75%. Lines from $500-$25,000. Fees: No Annual Fee No Balance Transfer Fee. Benefits: Earn 1 point per $1 spent with uChoose Rewards®! PLUS: 10,000 bonus points after first purchase! 1 - APR based on creditworthiness. APR will vary with the market based on the Prime Rate. 2 - Balance transfers limited to maximum of $10,000 OR no more than 1?2 of available credit line. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Visa Platinum Rewards	-	9.75%
Details Intro rate expires: 12 months; Regular APR: 9.75% to 11.75% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%

SECNY Federal Credit Union Personal Loan Rates

Product	Rate	APR
Personal Loans	-	8.25%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Personal Loans	-	8.50%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Personal Loans	-	9.00%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%
Personal Loans	-	11.25%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.89%

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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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 Joseph Simmons

CEO Courtney Fulmer

Full-Time Employees 63

Part-Time Employees 0

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 (96/100)

Texas Ratio

7.89%

Return on Assets (ROA)

0.2323%

Return on Equity (ROE)

3.1059%

Non-Performing Loans Ratio (NPL)

1.16%

Total Assets

306,243,813

Total Amount of Shares and Deposits

280,080,752

Total Shares and Deposits < 1 Year

272,271,077

Total Shares and Deposits 1 3 Years

5,020,923

Total Shares and Deposits > 3 Years

2,788,753

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

24,269,451

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

24,269,451

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

255,811,301

Total Interest Expense (Sum of items 6 8)

2,045,982

Share Certificates

1,370

Number of Accounts for Share Drafts

9,670

IRA KEOGH Accounts

521

Number of Accounts for Regular Shares

17,098

All other shares

1,320

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)

28,901,323

Total Liabilities

283,338,923

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

SECNY Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for SECNY Federal Credit Union

Frequently Asked Questions About SECNY Federal Credit Union

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.