--- title: "Secny Credit Union Rates - New York" description: "Current vehicle loan, and personal loan rates from Secny Credit Union in New York. Updated daily with source verification. See who can join Secny Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/secny" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Secny Credit Union Rates - New York ### Auto & vehicle rates 63 offers | Product | Published | Rate | Term / condition | Status | | **NEW Electric Cars & Motorcycles: 2027 - 2025 Model Years (12 - 36 months)** motorcycle_new_36mo | — APR | 4.750% | 36 mo · new | Standard | | **NEW Auto & Motorcycle: 2027 - 2025 Model Years (36 months)** motorcycle_new_36mo | — APR | 5.000% | 36 mo · new | Standard | | **USED Electric Cars & Motorcycles: 2024 - 2020 Model Years (12 - 36 months)** motorcycle_used_36mo | — APR | 5.000% | 36 mo · used | Standard | | **NEW Auto & Motorcycle: 2027 - 2025 Model Years (12 months)** motorcycle_new_12mo | — APR | 5.000% | 12 mo · new | Standard | | **NEW Auto & Motorcycle: 2027 - 2025 Model Years (24 months)** motorcycle_new_24mo | — APR | 5.000% | 24 mo · new | Standard | | **NEW Electric Cars & Motorcycles: 2027 - 2025 Model Years (48 months)** motorcycle_new_48mo | — APR | 5.000% | 48 mo · new | Standard | | **Used Auto & Motorcycle: 2024 - 2020 Model Years (24 months)** motorcycle_used_24mo | — APR | 5.250% | 24 mo · used | Standard | | **Used Auto & Motorcycle: 2024 - 2020 Model Years (12 months)** motorcycle_used_12mo | — APR | 5.250% | 12 mo · used | Standard | | **NEW Electric Cars & Motorcycles: 2027 - 2025 Model Years (60 months)** motorcycle_new_60mo | — APR | 5.250% | 60 mo · new | Standard | | **USED Electric Cars & Motorcycles: 2024 - 2020 Model Years (48 months)** motorcycle_used_48mo | — APR | 5.250% | 48 mo · used | Standard | | **Used Auto & Motorcycle: 2024 - 2020 Model Years (36 months)** motorcycle_used_36mo | — APR | 5.250% | 36 mo · used | Standard | | **NEW Auto & Motorcycle: 2027 - 2025 Model Years (48 months)** motorcycle_new_48mo | — APR | 5.250% | 48 mo · new | Standard | | **NEW Electric Cars & Motorcycles: 2027 - 2025 Model Years (72 months)** motorcycle_new_72mo | — APR | 5.500% | 72 mo · new | Standard | | **NEW Auto & Motorcycle: 2027 - 2025 Model Years (60 months)** motorcycle_new_60mo | — APR | 5.500% | 60 mo · new | Standard | | **Used Auto & Motorcycle: 2024 - 2020 Model Years (48 months)** motorcycle_used_48mo | — APR | 5.500% | 48 mo · used | Standard | | **USED Electric Cars & Motorcycles: 2024 - 2020 Model Years (60 months)** motorcycle_used_60mo | — APR | 5.500% | 60 mo · used | Standard | | **USED Electric Cars & Motorcycles: 2024 - 2020 Model Years (72 months)** motorcycle_used_72mo | — APR | 5.750% | 72 mo · used | Standard | | **NEW Auto & Motorcycle: 2027 - 2025 Model Years (72 months)** motorcycle_new_72mo | — APR | 5.750% | 72 mo · new | Standard | | **NEW Electric Cars & Motorcycles: 2027 - 2025 Model Years (84 months)** motorcycle_new_84mo | — APR | 5.750% | 84 mo · new | Standard | | **Used Auto & Motorcycle: 2024 - 2020 Model Years (60 months)** motorcycle_used_60mo | — APR | 5.750% | 60 mo · used | Standard | | **Used Auto & Motorcycle: 2024 - 2020 Model Years (72 months)** motorcycle_used_72mo | — APR | 6.000% | 72 mo · used | Standard | | **NEW Auto & Motorcycle: 2027 - 2025 Model Years (84 months)** motorcycle_new_84mo | — APR | 6.000% | 84 mo · new | Standard | | **USED Electric Cars & Motorcycles: 2024 - 2020 Model Years (84 months)** motorcycle_used_84mo | — APR | 6.250% | 84 mo · used | Standard | | **Used Auto & Motorcycle: 2024 - 2020 Model Years (84 months)** motorcycle_used_84mo | — APR | 6.750% | 84 mo · used | Standard | | **New RV, Boat & Trailer/Camper: 2027, 2026, 2025 Models (Up to 60 Months)** rv_new_60mo | — APR | 7.000% | 60 mo · new | Standard | | **Used Auto & Motorcycle: 2019 - 2017 Model Years (12 months)** motorcycle_used_12mo | — APR | 7.250% | 12 mo · used | Standard | | **Used Auto & Motorcycle: 2019 - 2017 Model Years (36 months)** motorcycle_used_36mo | — APR | 7.250% | 36 mo · used | Standard | | **Used Auto & Motorcycle: 2019 - 2017 Model Years (24 months)** motorcycle_used_24mo | — APR | 7.250% | 24 mo · used | Standard | | **Used RV, Boat & Trailer/Camper: (Up to 60 Months)** rv_used_60mo | — APR | 7.500% | 60 mo · used | Standard | | **New RV, Boat & Trailer/Camper: 2027, 2026, 2025 Models (72 months)** rv_new_72mo | — APR | 7.500% | 72 mo · new | Standard | | **Used Snowmobile, Jet Ski, ATV, Trailer/Camper, RV & Boat: Under $15,000 (Up to 60 Months)** powersports_used_60mo | — APR | 7.500% | 60 mo · used | Standard | | **Used Auto & Motorcycle: 2019 - 2017 Model Years (48 months)** motorcycle_used_48mo | — APR | 7.750% | 48 mo · used | Standard | | **New RV, Boat & Trailer/Camper: 2027, 2026, 2025 Models (84 months)** rv_new_84mo | — APR | 7.750% | 84 mo · new | Standard | | **Used RV, Boat & Trailer/Camper: (72 months)** rv_used_72mo | — APR | 8.000% | 72 mo · used | Standard | | **Used Auto & Motorcycle: 2019 - 2017 Model Years (60 months)** motorcycle_used_60mo | — APR | 8.000% | 60 mo · used | Standard | | **Used Auto & Motorcycle: 2016 and Older (Up to 60 Months)** motorcycle_used_60mo | — APR | 8.500% | 60 mo · used | Standard | | **Used RV, Boat & Trailer/Camper: (84 months)** rv_used_84mo | — APR | 8.750% | 84 mo · used | Standard | | **New RV, Boat & Trailer/Camper: 2027, 2026, 2025 Models (96 months)** rv_new_96mo | — APR | 9.250% | 96 mo · new | Standard | | **FRX New Auto & Motorcycle: 2027, 2026, 2025 Model Years (12 months)** motorcycle_new_12mo | — APR | 9.250% | 12 mo · new | Standard | | **FRX New Auto & Motorcycle: 2027, 2026, 2025 Model Years (24 months)** motorcycle_new_24mo | — APR | 9.250% | 24 mo · new | Standard | | **FRX New Auto & Motorcycle: 2027, 2026, 2025 Model Years (36 months)** motorcycle_new_36mo | — APR | 9.250% | 36 mo · new | Standard | | **FRX Used Auto & Motorcycle: 2024-2020 Models (24 months)** motorcycle_used_24mo | — APR | 9.500% | 24 mo · used | Standard | | **FRX Used Auto & Motorcycle: 2024-2020 Models (12 months)** motorcycle_used_12mo | — APR | 9.500% | 12 mo · used | Standard | | **FRX New Auto & Motorcycle: 2027, 2026, 2025 Model Years (48 months)** motorcycle_new_48mo | — APR | 9.500% | 48 mo · new | Standard | | **FRX Used Auto & Motorcycle: 2024-2020 Models (36 months)** motorcycle_used_36mo | — APR | 9.500% | 36 mo · used | Standard | | **New RV, Boat & Trailer/Camper: 2027, 2026, 2025 Models (120 months)** rv_new_120mo | — APR | 9.500% | 120 mo · new | Standard | | **New RV, Boat & Trailer/Camper: 2027, 2026, 2025 Models (144 months)** rv_new_144mo | — APR | 9.750% | 144 mo · new | Standard | | **FRX New Auto & Motorcycle: 2027, 2026, 2025 Model Years (60 months)** motorcycle_new_60mo | — APR | 9.750% | 60 mo · new | Standard | | **Used RV, Boat & Trailer/Camper: (120 months)** rv_used_120mo | — APR | 10.000% | 120 mo · used | Standard | | **Used RV, Boat & Trailer/Camper: (96 months)** rv_used_96mo | — APR | 10.000% | 96 mo · used | Standard | | **FRX New Auto & Motorcycle: 2027, 2026, 2025 Model Years (72 months)** motorcycle_new_72mo | — APR | 10.000% | 72 mo · new | Standard | | **FRX Used Auto & Motorcycle: 2024-2020 Models (48 months)** motorcycle_used_48mo | — APR | 10.000% | 48 mo · used | Standard | | **New RV, Boat & Trailer/Camper: 2027, 2026, 2025 Models (180 months)** rv_new_180mo | — APR | 10.000% | 180 mo · new | Standard | | **Used RV, Boat & Trailer/Camper: (144 months)** rv_used_144mo | — APR | 10.000% | 144 mo · used | Standard | | **FRX Used Auto & Motorcycle: 2024-2020 Models (60 months)** motorcycle_used_60mo | — APR | 10.250% | 60 mo · used | Standard | | **FRX New Auto & Motorcycle: 2027, 2026, 2025 Model Years (84 months)** motorcycle_new_84mo | — APR | 10.250% | 84 mo · new | Standard | | **FRX Used Auto & Motorcycle: 2024-2020 Models (72 months)** motorcycle_used_72mo | — APR | 10.500% | 72 mo · used | Standard | | **FRX Used Auto & Motorcycle: 2024-2020 Models (84 months)** motorcycle_used_84mo | — APR | 11.250% | 84 mo · used | Standard | | **FRX Used Auto & Motorcycle: 2019-2015 Models (12 months)** motorcycle_used_12mo | — APR | 11.500% | 12 mo · used | Standard | | **FRX Used Auto & Motorcycle: 2019-2015 Models (36 months)** motorcycle_used_36mo | — APR | 11.500% | 36 mo · used | Standard | | **FRX Used Auto & Motorcycle: 2019-2015 Models (24 months)** motorcycle_used_24mo | — APR | 11.500% | 24 mo · used | Standard | | **FRX Used Auto & Motorcycle: 2019-2015 Models (48 months)** motorcycle_used_48mo | — APR | 12.000% | 48 mo · used | Standard | | **FRX Used Auto & Motorcycle: 2019-2015 Models (60 months)** motorcycle_used_60mo | — APR | 12.250% | 60 mo · used | Standard | Secny Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 14 offers | Product | Published | Rate | Term / condition | Status | | **Hot Tub/Sauna Loans (12 months)** personal_unsecured_12mo | — APR | 7.500% | 12 mo | Standard | | **Hot Tub/Sauna Loans (36 months)** personal_unsecured_36mo | — APR | 7.500% | 36 mo | Standard | | **Hot Tub/Sauna Loans (24 months)** personal_unsecured_24mo | — APR | 7.500% | 24 mo | Standard | | **Hot Tub/Sauna Loans (60 months)** personal_unsecured_60mo | — APR | 7.750% | 60 mo | Standard | | **Hot Tub/Sauna Loans (48 months)** personal_unsecured_48mo | — APR | 7.750% | 48 mo | Standard | | **Hot Tub/Sauna Loans (72 months)** personal_unsecured_72mo | — APR | 8.000% | 72 mo | Standard | | **Hot Tub/Sauna Loans (84 months)** personal_unsecured_84mo | — APR | 8.000% | 84 mo | Standard | | **24-Month Unsecured Personal Loan** personal_unsecured_24mo | — APR | 9.000% | 24 mo | Standard | | **12-Month Unsecured Personal Loan** personal_unsecured_12mo | — APR | 9.000% | 12 mo | Standard | | **36-Month Unsecured Personal Loan** personal_unsecured_36mo | — APR | 9.250% | 36 mo | Standard | | **48-Month Unsecured Personal Loan** personal_unsecured_48mo | — APR | 10.000% | 48 mo | Standard | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 10.250% | 60 mo | Standard | | **72-Month Unsecured Personal Loan** personal_unsecured_72mo | — APR | 11.250% | 72 mo | Standard | | **66-Month Unsecured Personal Loan** personal_unsecured_66mo | — APR | 11.250% | 66 mo | Standard | Secny Credit Union personal loan rates as of November 12, 2026 ### Other rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Electric Bicycles: 2027, 2026, 2025 Models (Up to 60 Months)** other | — % | 6.750% | — | Standard | | **Pool Loans (12 months)** other | — % | 7.500% | — | Standard | | **Pool Loans (24 months)** other | — % | 7.500% | — | Standard | | **Pool Loans (36 months)** other | — % | 7.500% | — | Standard | | **Pool Loans (48 months)** other | — % | 7.750% | — | Standard | | **Pool Loans (60 months)** other | — % | 7.750% | — | Standard | | **Pool Loans (72 months)** other | — % | 8.000% | — | Standard | | **Pool Loans (84 months)** other | — % | 8.000% | — | Standard | | **Pool Loans (108 months)** other | — % | 8.250% | — | Standard | | **Pool Loans (96 months)** other | — % | 8.250% | — | Standard | | **Pool Loans (120 months)** other | — % | 8.500% | — | Standard | Secny Credit Union other rates as of November 12, 2026 Secny Credit Union is a credit union in New York. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/secny) , verified from [Secny Credit Union's official website](https://secny.org/) Loading branch locator… ## About Secny Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 15.9K Assets $318M Founded 1971 Locations reported 7 NCUA charter 20496 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Americu** Onondaga Hill · Syracuse · NY · 13215-2288 About 2.8 miles away](https://rateapi.dev/credit-unions/new-york/americu) [**Empower** Western Lights · Syracuse · NY · 13219-3370 About 4.0 miles away](https://rateapi.dev/credit-unions/new-york/empower) [**Salt City** Valley Office · Syracuse · NY · 13205 About 4.3 miles away](https://rateapi.dev/credit-unions/new-york/salt-city) [**Syracuse Cooperative** Southwest Community Ctr · Syracuse · NY · 13204 About 5.0 miles away](https://rateapi.dev/credit-unions/new-york/syracuse-cooperative) [**Ukrainian** Syracuse branch · Syracuse · NY · 13204 About 5.2 miles away](https://rateapi.dev/credit-unions/new-york/ukrainian) [**Syracuse Fire Department Employees** Main Office · Syracuse · NY · 13204 About 5.7 miles away](https://rateapi.dev/credit-unions/new-york/syracuse-fire-department-employees) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Secny Credit Union Membership eligibility from Secny Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Secny Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Secny Credit Union's membership page](https://secny.org/) . Final membership determination is always made by the credit union. ## Membership rules for Secny Credit Union Geography 1 county 1 published path to membership, last verified August 5, 2026, from NCUA regulator charter records. ### Geography 1 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Onondaga County, NY “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Onondaga County, NY; Collin County, TX” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Secny Credit Union? Yes No ## Work at Secny Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Secny Credit Union ranks against New York peers. - See which AI assistants fetched Secny Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=secny&state=new-york&code=NY&name=Secny%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Secny Credit Union offer? Secny Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Secny Credit Union rates updated? RateAPI verifies Secny Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Secny Credit Union's rate data? Rate data is collected directly from Secny Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Secny Credit Union? Secny Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path covering 1 county for Secny Credit Union, each quoted from NCUA charter records. ## Related Rate Data Compare Secny Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://secny.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Secny Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Secny Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /secny " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Secny Credit Union locations Search, filter, and browse all 7 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/secny Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp