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

Current rates for SECNY Federal Credit Union include: 12-Month CD: 4.00%, 24-Month CD: 3.20%, 60-Month CD: 3.40%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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SECNY Federal Credit Union

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SECNY Federal Credit Union Rates & Review October 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: October 13, 2026

SECNY Federal Credit Union's top rates as of October 13, 2026 are 4.50% APY on its 6 Month CD, 6.25% on its Home Mortgages, personal loans from 9.00% APR, and credit cards from 8.00% APR, according to rates verified by MonitorBankRates. Other SECNY Federal Credit Union CD rates include IRA CDs - 6 Month at 4.50%, Jumbo CD - 6 Month at 4.50%, and ROTH IRA CDs - 6 Month at 4.50%. Other SECNY Federal Credit Union mortgage rates include Home Mortgages - 10 Years at 6.25%, Home Mortgages at 6.50%, and Home Mortgages - 15 Years at 6.50%. 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 10/13/2026.

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 Q2 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
6 Month Certificate	4.41%	4.50%	6 Month
Min Deposit $1,000 Details Account 34; Interest Monthly; Min. $1,000; Requires $5,000 New Money for 4.50% APY, otherwise 4.00% APY Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
IRA Share Certificates - 6 Month	4.41%	4.50%	6 Month
Min Deposit $500 Details Code 89; Int. Monthly; min. $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Jumbo Certificate - 6 Month	4.41%	4.50%	6 months
Min Balance $50,000 Details Interest paid monthly; JUMBO; account code 54 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
ROTH IRA Share Certificates - 6 Month	4.41%	4.50%	6 Month
Min Deposit $500 Details Int. Monthly; min. $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
12 Month Certificate	3.93%	4.00%	12 Month
Min Deposit $1,000 Details Account 32; Interest Monthly; Min. $1,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
IRA Share Certificates - 12 Month	3.93%	4.00%	12 Month
Min Deposit $500 Details Code 83; Int. Monthly; min. $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Jumbo Certificate - 12 Month	3.93%	4.00%	12 months
Min Balance $50,000 Details Interest paid monthly; JUMBO; account code 52 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
ROTH IRA Share Certificates - 12 Month	3.93%	4.00%	12 Month
Min Deposit $500 Details Int. Monthly; min. $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
IRA Share Certificates - 60 Month	3.44%	3.50%	60 Month
Min Deposit $500 Details Code 88; Int. Monthly; min. $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Jumbo Certificate - 60 Month	3.44%	3.50%	60 months
Min Balance $50,000 Details Interest paid monthly; JUMBO; account code 60 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
ROTH IRA Share Certificates - 60 Month	3.44%	3.50%	60 Month
Min Deposit $500 Details Int. Monthly; min. $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
IRA Share Certificates - 48 Month	3.40%	3.45%	48 Month
Min Deposit $500 Details Code 87; Int. Monthly; min. $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.45% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Jumbo Certificate - 48 Month	3.40%	3.45%	48 months
Min Balance $50,000 Details Interest paid monthly; JUMBO; account code 59 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.45% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
ROTH IRA Share Certificates - 48 Month	3.40%	3.45%	48 Month
Min Deposit $500 Details Int. Monthly; min. $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.45% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
60 Month Certificate	3.35%	3.40%	60 Month
Min Deposit $1,000 Details Account 40; Interest Monthly; Min. $1,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
IRA Share Certificates - 36 Month	3.35%	3.40%	36 Month
Min Deposit $500 Details Code 86; Int. Monthly; min. $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Jumbo Certificate - 36 Month	3.35%	3.40%	36 months
Min Balance $50,000 Details Interest paid monthly; JUMBO; account code 58 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
ROTH IRA Share Certificates - 36 Month	3.35%	3.40%	36 Month
Min Deposit $500 Details Int. Monthly; min. $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
48 Month Certificate	3.30%	3.35%	48 Month
Min Deposit $1,000 Details Account 39; Interest Monthly; Min. $1,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
IRA Share Certificates - 30 Month	3.30%	3.35%	30 Month
Min Deposit $500 Details Code 85; Int. Monthly; min. $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Jumbo Certificate - 30 Month	3.30%	3.35%	30 months
Min Balance $50,000 Details Interest paid monthly; JUMBO; account code 57 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
ROTH IRA Share Certificates - 30 Month	3.30%	3.35%	30 Month
Min Deposit $500 Details Int. Monthly; min. $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
36 Month Certificate	3.25%	3.30%	36 Month
Min Deposit $1,000 Details Account 38; Interest Monthly; Min. $1,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
IRA Share Certificates - 24 Month	3.25%	3.30%	24 Month
Min Deposit $500 Details Code 84; Int. Monthly; min. $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Jumbo Certificate - 24 Month	3.25%	3.30%	24 months
Min Balance $50,000 Details Interest paid monthly; JUMBO; account code 56 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
ROTH IRA Share Certificates - 24 Month	3.25%	3.30%	24 Month
Min Deposit $500 Details Int. Monthly; min. $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
30 Month Certificate	3.20%	3.25%	30 Month
Min Deposit $1,000 Details Account 37; Interest Monthly; Min. $1,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
24 Month Certificate	3.15%	3.20%	24 Month
Min Deposit $1,000 Details Account 36; Interest Monthly; Min. $1,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
3 Month Certificate	2.33%	2.35%	3 Month
Min Deposit $2,500 Details Account 35; Interest Monthly; Min. $2,500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
30 Day Certificate	2.23%	2.25%	30 Day
Min Deposit $2,500 Details Account 30; Min. $2,500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.25% APY 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 Balance $100 Details Balance: $100 - $500; Anticipated Dividend for the 4th Quarter 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
20 / Club (Save2Own)	2.96%	3.00%
Min Deposit $1,000 Details Anticipated Dividend for the 4th Quarter 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.00% APY 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 Mortgages	6.25%	-	6.25%	10 Years
Details As Low As; Rate as Low As 6.250% for 10 Years; 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 10/13/2026 Rate History No change since Oct 9, 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; Loan amount Min. $30,000, Max. $832,750; Up to 95% of appraised value; Points options available; Has Closing Costs Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Mortgages	6.50%	-	6.50%	15 Years
Details As Low As; Rate as Low As 6.500% for 15 Years; 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 10/13/2026 Rate History No change since Oct 9, 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; Loan amount Min. $30,000, Max. $832,750; Up to 95% of appraised value; Points options available; Has Closing Costs Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Mortgages	6.75%	-	6.75%	20 Years
Details As Low As; Rate as Low As 6.750% for 20 Years; 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 10/13/2026 Rate History No change since Oct 9, 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; Loan amount Min. $30,000, Max. $832,750; Up to 95% of appraised value; Points options available; Has Closing Costs Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
No Closing Costs Option Mortgage	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 10/13/2026 Rate History No change since Oct 13, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
No Closing Costs Option Mortgage	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 10/13/2026 Rate History No change since Oct 13, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Mortgages	7.25%	-	7.25%	30 Years
Details As Low As; Rate as Low As 7.250% for 30 Years; 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 10/13/2026 Rate History No change since Oct 9, 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; Loan amount Min. $30,000, Max. $832,750; Up to 95% of appraised value; Points options available; Has Closing Costs Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
No Closing Costs Option Mortgage	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 10/13/2026 Rate History No change since Oct 13, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
No Closing Costs Option Mortgage	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 10/13/2026 Rate History No change since Oct 13, 2026 · 7.75% APR 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	5.50%	-	5.50%	1-5 Years
Details As Low As; Primary Residence Only - 1st or 2nd Lien Only; Loans from $10,000 to $150,000; Maximum loan amount not to exceed 90% of appraised value; No Closing Costs; -$300.00 due at application and refunded at closing Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 8.50% → 5.50% ▼ 3.00 pts · high 8.50% / low 5.50% Oct 9, 20265.50%▼ from 8.50% Sep 17, 20268.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Equity Loan	6.00%	-	6.00%	7 Years
Details As Low As; Primary Residence Only - 1st or 2nd Lien Only; Loans from $10,000 to $150,000; Maximum loan amount not to exceed 90% of appraised value; No Closing Costs; -$300.00 due at application and refunded at closing Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.00% → 6.00% ▼ 3.00 pts · high 9.00% / low 6.00% Oct 9, 20266.00%▼ from 9.00% Sep 14, 20269.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Equity Loan	6.00%	-	6.00%	10 Years
Details As Low As; Primary Residence Only - 1st or 2nd Lien Only; Loans from $10,000 to $150,000; Maximum loan amount not to exceed 90% of appraised value; No Closing Costs; -$300.00 due at application and refunded at closing Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 6.00% ▼ 1.25 pts · high 7.25% / low 6.00% Oct 9, 20266.00%▼ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Equity Loan	6.50%	-	6.50%	15 Years
Details As Low As; Primary Residence Only - 1st or 2nd Lien Only; Loans from $10,000 to $150,000; Maximum loan amount not to exceed 90% of appraised value; No Closing Costs; -$300.00 due at application and refunded at closing Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.75% → 6.50% ▼ 3.25 pts · high 9.75% / low 6.50% Oct 13, 20266.50%▼ from 9.75% Sep 14, 20269.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
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 - all fees subject to recapture if loan is closed within three years; $300.00 Application Fee (refunded at closing) Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 8.50% APR · checked 2 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 - all fees subject to recapture if loan is closed within three years; $300.00 Application Fee (refunded at closing) Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 9.00% APR · checked 2 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 - all fees subject to recapture if loan is closed within three years; $300.00 Application Fee (refunded at closing) Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 9.50% APR · checked 2 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 - all fees subject to recapture if loan is closed within three years; $300.00 Application Fee (refunded at closing) Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 9.75% APR · checked 2 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 Loan	-	-	4.75%	12 - 36 months
Details As Low As; Model Years: 2027 - 2025; Up to 100% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Auto & Motorcycle: 2027 - 2025 Model Years	-	-	5.00%	12 months
Details As Low As; Up to 100% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Auto & Motorcycle: 2027 - 2025 Model Years	-	-	5.00%	24 months
Details As Low As; Up to 100% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Auto & Motorcycle: 2027 - 2025 Model Years	-	-	5.00%	36 months
Details As Low As; Up to 100% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Electric Cars & Motorcycles Loan	-	-	5.00%	48 months
Details As Low As; Model Years: 2027 - 2025; Up to 100% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Electric Cars & Motorcycles Loan	-	-	5.00%	12 - 36 months
Details As Low As; Financing up to 100%; Model Years: 2024 - 2020 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Auto & Motorcycle: 2027 - 2025 Model Years	-	-	5.25%	48 months
Details As Low As; Up to 100% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Electric Cars & Motorcycles Loan	-	-	5.25%	60 months
Details As Low As; Model Years: 2027 - 2025; Up to 100% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle: 2024 - 2020 Model Years	-	-	5.25%	12 months
Details As Low As; Up to 100% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle: 2024 - 2020 Model Years	-	-	5.25%	24 months
Details As Low As; Up to 100% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle: 2024 - 2020 Model Years	-	-	5.25%	36 months
Details As Low As; Up to 100% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Electric Cars & Motorcycles Loan	-	-	5.25%	48 months
Details As Low As; Financing up to 100%; Model Years: 2024 - 2020 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Auto & Motorcycle: 2027 - 2025 Model Years	-	-	5.50%	60 months
Details As Low As; Up to 100% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Electric Cars & Motorcycles Loan	-	-	5.50%	72 months
Details As Low As; Model Years: 2027 - 2025; Up to 100% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle: 2024 - 2020 Model Years	-	-	5.50%	48 months
Details As Low As; Up to 100% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Electric Cars & Motorcycles Loan	-	-	5.50%	60 months
Details As Low As; Financing up to 100%; Model Years: 2024 - 2020 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Auto & Motorcycle: 2027 - 2025 Model Years	-	-	5.75%	72 months
Details As Low As; Up to 100% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Electric Cars & Motorcycles Loan	-	-	5.75%	84 months
Details As Low As; Model Years: 2027 - 2025; Up to 100% Financing Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle: 2024 - 2020 Model Years	-	-	5.75%	60 months
Details As Low As; Up to 100% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Electric Cars & Motorcycles Loan	-	-	5.75%	72 months
Details As Low As; Financing up to 100%; Model Years: 2024 - 2020 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
NEW Auto & Motorcycle: 2027 - 2025 Model Years	-	-	6.00%	84 months
Details As Low As; Up to 100% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle: 2024 - 2020 Model Years	-	-	6.00%	72 months
Details As Low As; Up to 100% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Business New Vehicles 2027, 2026, 2025 Model Years Loan	-	-	6.25%	12 months
Details As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Business New Vehicles 2027, 2026, 2025 Model Years Loan	-	-	6.25%	24 months
Details As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Business New Vehicles 2027, 2026, 2025 Model Years Loan	-	-	6.25%	36 months
Details As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Electric Cars & Motorcycles Loan	-	-	6.25%	84 months
Details As Low As; Financing up to 100%; Model Years: 2024 - 2020 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Business New Vehicles 2027, 2026, 2025 Model Years Loan	-	-	6.50%	48 months
Details As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Business Used Vehicles 2024-2020 Model Years Loan	-	-	6.50%	12 months
Details As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Business Used Vehicles 2024-2020 Model Years Loan	-	-	6.50%	24 months
Details As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Business Used Vehicles 2024-2020 Model Years Loan	-	-	6.50%	36 months
Details As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Business New Vehicles 2027, 2026, 2025 Model Years Loan	-	-	6.75%	60 months
Details As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle: 2024 - 2020 Model Years	-	-	6.75%	84 months
Details As Low As; Up to 100% Financing Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Business Used Vehicles 2024-2020 Model Years Loan	-	-	7.00%	48 months
Details As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Business Used Vehicles 2024-2020 Model Years Loan	-	-	7.25%	60 months
Details As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.25% 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; Financing up to 80% Book Value; For 100% Financing add 0.25%; Use NADA Book Value average retail amount Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.25% APR · checked 3 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; Financing up to 80% Book Value; For 100% Financing add 0.25%; Use NADA Book Value average retail amount Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.25% APR · checked 3 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; Financing up to 80% Book Value; For 100% Financing add 0.25%; Use NADA Book Value average retail amount Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Business New Vehicles 2027, 2026, 2025 Model Years Loan	-	-	7.50%	72 months
Details As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 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; Financing up to 80% Book Value; For 100% Financing add 0.25%; Use NADA Book Value average retail amount Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Business Used Vehicles 2024-2020 Model Years Loan	-	-	8.00%	72 months
Details As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Used Auto & Motorcycle: 2019 - 2017 Model Years	-	-	8.00%	60 months
Details As Low As; Financing up to 80% Book Value; For 100% Financing add 0.25%; Use NADA Book Value average retail amount Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Business Used Vehicles 2019-2017 Model Years Loan	-	-	8.50%	12 months
Details As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Business Used Vehicles 2019-2017 Model Years Loan	-	-	8.50%	24 months
Details As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Business Used Vehicles 2019-2017 Model Years Loan	-	-	8.50%	36 months
Details As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 8.50% 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 10/13/2026 Rate History No change since Oct 5, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Business Used Vehicles 2019-2017 Model Years Loan	-	-	9.00%	48 months
Details As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Business Used Vehicles 2019-2017 Model Years Loan	-	-	9.25%	60 months
Details As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan Last Updated 10/13/2026 Rate History No change since Oct 9, 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	-	-	9.25%	12 months
Details As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 9.25% APR · checked 3 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; Minimum $5,000; Maximum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 9.25% APR · checked 3 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; Minimum $5,000; Maximum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 9.25% APR · checked 3 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; Minimum $5,000; Maximum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 9.50% APR · checked 3 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 10/13/2026 Rate History No change since Oct 5, 2026 · 9.50% APR · checked 3 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 10/13/2026 Rate History No change since Oct 5, 2026 · 9.50% APR · checked 3 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 10/13/2026 Rate History No change since Oct 5, 2026 · 9.50% APR · checked 3 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; Minimum $5,000; Maximum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 9.75% APR · checked 3 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; Minimum $5,000; Maximum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 10.00% APR · checked 3 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 10/13/2026 Rate History No change since Oct 5, 2026 · 10.00% APR · checked 3 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; Minimum $5,000; Maximum $20,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 10.25% APR · checked 3 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 10/13/2026 Rate History No change since Oct 5, 2026 · 10.25% APR · checked 3 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 10/13/2026 Rate History No change since Oct 5, 2026 · 10.50% APR · checked 3 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 10/13/2026 Rate History No change since Oct 5, 2026 · 11.25% APR · checked 3 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. Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 11.50% APR · checked 3 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. Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 11.50% APR · checked 3 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. Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 11.50% APR · checked 3 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. Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 12.00% APR · checked 3 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. Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 12.25% APR · checked 3 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; Up to 100% Financing - Maximum $100,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.00% APR · checked 3 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 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 8 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; Up to 100% Financing - Maximum $100,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.50% APR · checked 3 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: 2024-2020; Financing up to 100% Book Value - Maximum $75,000; 2019-2017 Financing up to 80% Book Value Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 9 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; 100% Financing for 2024 - 2020 Model Years; 80% Financing for 2019 - 2017 Model Years Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 8 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; Up to 100% Financing - Maximum $100,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.75% APR · checked 3 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: 2024-2020; Financing up to 100% Book Value - Maximum $75,000; 2019-2017 Financing up to 80% Book Value Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 9 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: 2024-2020; Financing up to 100% Book Value - Maximum $75,000; 2019-2017 Financing up to 80% Book Value Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 9 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; Up to 100% Financing - Maximum $100,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 9.25% APR · checked 3 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; Up to 100% Financing - Maximum $100,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 9.50% APR · checked 3 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; Up to 100% Financing - Maximum $100,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 9.75% APR · checked 3 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; Up to 100% Financing - Maximum $100,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 10.00% APR · checked 3 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: 2024-2020; Financing up to 100% Book Value - Maximum $75,000; 2019-2017 Financing up to 80% Book Value Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 10.00% APR · checked 8 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: 2024-2020; Financing up to 100% Book Value - Maximum $75,000; 2019-2017 Financing up to 80% Book Value Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 10.00% APR · checked 8 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: 2024-2020; Financing up to 100% Book Value - Maximum $75,000; 2019-2017 Financing up to 80% Book Value Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 10.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%

SECNY Federal Credit Union Credit Card Rates

Product	Rate	APR
MasterCard World	-	8.00%
Details Published APR range: 8.00% to 12.00%. Intro rate expires: 12 billing cycles; Regular APR: 8.00% to 12.00%; Lines from $5,000-$50,000; No Annual Fee; No Balance Transfer Fee; Requires annual spend of $10,000 or more; Earn 1 point per $1 spent with uChoose Rewards; APR based on creditworthiness, varies with Prime Rate; Balance transfers limited to maximum of $10,000 OR no more than 1/2 of available credit line Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 8.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
MasterCard Platinum Rewards	-	10.00%
Details Published APR range: 10.00% to 14.00%. 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; Earn 1 point per $1 spent with uChoose Rewards; APR based on creditworthiness, varies with Prime Rate; Balance transfers limited to maximum of $10,000 OR no more than 1/2 of available credit line Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 10.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Visa Business Credit Card	-	10.00%
Details Published APR range: 10.00% to 14.00%. 0% introductory APR for 12 billing cycles; Regular APR 10.00% to 14.00%; Lines from $500-$25,000; No Annual Fee; No Balance Transfer Fee; Earn 1 point per $1 spent with uChoose Rewards; Bonus: 10,000 bonus points after first purchase; APR based on creditworthiness and varies with the Prime Rate Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Visa Business Rewards	-	10.00%
Details Published APR range: 10.00% to 14.00%. 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; Earn 1 point per $1 spent with uChoose Rewards; APR based on creditworthiness, varies with Prime Rate; Balance transfers limited to maximum of $10,000 OR no more than 1/2 of available credit line Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Visa Platinum Rewards	-	10.00%
Details Published APR range: 10.00% to 14.00%. 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; Earn 1 point per $1 spent with uChoose Rewards; APR based on creditworthiness, varies with Prime Rate; Balance transfers limited to maximum of $10,000 OR no more than 1/2 of available credit line Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 10.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%

SECNY Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	9.00%	12 months
Details As Low As; Maximum individual $10,000 - Maximum joint $20,000 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 9.00% APR · checked 8 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 10/13/2026 Rate History No change since Sep 17, 2026 · 9.00% APR · checked 8 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 10/13/2026 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 10/13/2026 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 10/13/2026 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 10/13/2026 Rate History No change since Sep 17, 2026 · 11.25% APR · checked 8 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 10/13/2026 Rate History No change since Sep 17, 2026 · 11.25% APR · checked 8 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: 2027, 2026, 2025 Models Loan	-	-	6.75%	Up to 60 Months
Details As Low As; Loan Type: Electric Bicycles; Model Years: 2027, 2026, 2025 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.75% APR · checked 2 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 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.99% APR · checked 2 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 10/13/2026 Rate History No change since Oct 9, 2026 · 8.00% APR · checked 2 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 10/13/2026 Rate History No change since Oct 9, 2026 · 8.00% APR · checked 2 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 10/13/2026 Rate History No change since Oct 9, 2026 · 8.00% APR · checked 2 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 10/13/2026 Rate History No change since Oct 9, 2026 · 8.25% APR · checked 2 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 10/13/2026 Rate History No change since Oct 9, 2026 · 8.25% APR · checked 2 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 10/13/2026 Rate History No change since Oct 9, 2026 · 8.50% APR · checked 2 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 10/13/2026 Rate History No change since Oct 9, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Improvement Loans for Solar Panel & Solar Storage	5.50%	-	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 when State and Federal rebates applied to principal as a GREEN ADVANTAGE Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 5.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Improvement Loans for Solar Panel & Solar Storage	6.00%	-	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 when State and Federal rebates applied to principal as a GREEN ADVANTAGE Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Improvement Loans for Solar Panel & Solar Storage	6.50%	-	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 when State and Federal rebates applied to principal as a GREEN ADVANTAGE Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Improvement Loans for Solar Panel & Solar Storage	7.00%	-	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 when State and Federal rebates applied to principal as a GREEN ADVANTAGE Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Home Improvement Loans for Solar Panel & Solar Storage	7.25%	-	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 when State and Federal rebates applied to principal as a GREEN ADVANTAGE Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Pool Loans	-	-	7.50%	12 months
Details As Low As; For construction of in-ground and above ground pools and/or upgrade of pool; Minimum of $5,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Pool Loans	-	-	7.50%	24 months
Details As Low As; For construction of in-ground and above ground pools and/or upgrade of pool; Minimum of $5,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Pool Loans	-	-	7.50%	36 months
Details As Low As; For construction of in-ground and above ground pools and/or upgrade of pool; Minimum of $5,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Pool Loans	-	-	7.75%	48 months
Details As Low As; For construction of in-ground and above ground pools and/or upgrade of pool; Minimum of $5,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Pool Loans	-	-	7.75%	60 months
Details As Low As; For construction of in-ground and above ground pools and/or upgrade of pool; Minimum of $5,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Pool Loans	-	-	8.00%	72 months
Details As Low As; For construction of in-ground and above ground pools and/or upgrade of pool; Minimum of $5,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Pool Loans	-	-	8.00%	84 months
Details As Low As; For construction of in-ground and above ground pools and/or upgrade of pool; Minimum of $5,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Pool Loans	-	-	8.25%	96 months
Details As Low As; For construction of in-ground and above ground pools and/or upgrade of pool; Minimum of $5,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Pool Loans	-	-	8.25%	108 months
Details As Low As; For construction of in-ground and above ground pools and/or upgrade of pool; Minimum of $5,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.03%
Pool Loans	-	-	8.50%	120 months
Details As Low As; For construction of in-ground and above ground pools and/or upgrade of pool; Minimum of $5,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 8.50% APR · 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

Q2 2026 MBR Health & Safety Badge

SECNY Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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

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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.