Credit union · NCUA insured
SECNY Federal Credit Union Auto Loan Rates
SECNY Federal Credit Union auto loans start at 5.25% APR for a new vehicle and 5.50% for a used one. Rates checked September 26, 2026.
How SECNY Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Syracuse, NY, where SECNY Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SECNY Federal Credit Union
5.25%APR
- Terms
- up to 60 months
NEW Electric Cars & Motorcycles: 2026 - 2024 Model Years
Lowest rate
Access Federal Credit Union
3.99%APR
- Terms
- 49–60 months
2nd-lowest rate
G.P.O. Federal Credit Union
3.99%APR
- Terms
- 61–66 months
SECNY Federal Credit Union auto loan score
73
Auto loan score
Higher than 33% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SECNY Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan Rate Match Special
Must qualify for loan by September 30th, 2026. Rate floor is 4.00% APR. Minimum loan amount is $5,000.00. Must be new-to-SECNY loan to qualify for rate match. This offer only applies to New and Used Vehicle Loans. Provide loan documentation showing the loan rate from a dealer or another financial institution. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.00% | Matches rate from dealer or another financial institution down to the 4.00% APR rate floor. Must qualify by September 30th, 2026. |
Sources (1)
- secny.org/Rate-Match-Special · captured Sep 17, 2026
Auto Loan Refinance Special
Take 2.55% OFF your current new or used auto rate when you refinance with SECNY. Must qualify for new/used auto loan refinance by September 30th, 2026. Rate may vary based on model year and Loan-to-Value. Minimum loan amount is $5,000.00. Rate floor is 4.00% APR. Must be new-to-SECNY auto loan to qualify for 2.55% discount. Existing SECNY loans are not eligible. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.00% | Take 2.55% OFF current new or used auto rate with rate floor of 4.00% APR. Must qualify by September 30th, 2026. |
Sources (2)
All captured Sep 17, 2026
FRX New Auto & Motorcycle: 2026, 2025, 2024 Model Years
Financing 90% book value. Use NADA book value average retail amount. Minimum $5,000. Maximum $20,000. Membership eligibility required. Take an additional 0.25% OFF rates listed with SECNY Checking Account w/Direct Deposit & Automatic Payment or Save2Earn Account Holder (maximum discount 0.25%).
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 9.25% | — |
| up to 24 months | 9.25% | — |
| up to 36 months | 9.25% | — |
| up to 48 months | 9.50% | — |
| up to 60 months | 9.75% | — |
| up to 72 months | 10.00% | — |
| up to 84 months | 10.25% | — |
Sources (1)
- secny.org/auto-loan-rates-pers…n-rates-near-syracuse-ny · captured Sep 17, 2026
FRX Used Auto & Motorcycle: 2018-2016 Models
Financing 80% book value. For 90% financing add 0.25%. Minimum $5,000. Maximum $20,000. Membership eligibility required. Take an additional 0.25% OFF rates listed with SECNY Checking Account w/Direct Deposit & Automatic Payment or Save2Earn Account Holder (maximum discount 0.25%).
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 11.50% | — |
| up to 24 months | 11.50% | — |
| up to 36 months | 11.50% | — |
| up to 48 months | 12.00% | — |
| up to 60 months | 12.25% | — |
Sources (1)
- secny.org/auto-loan-rates-pers…n-rates-near-syracuse-ny · captured Sep 17, 2026
FRX Used Auto & Motorcycle: 2023-2019 Models
Financing 90% book value. Minimum $5,000. Maximum $20,000. Membership eligibility required. Take an additional 0.25% OFF rates listed with SECNY Checking Account w/Direct Deposit & Automatic Payment or Save2Earn Account Holder (maximum discount 0.25%).
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 9.50% | — |
| up to 24 months | 9.50% | — |
| up to 36 months | 9.50% | — |
| up to 48 months | 10.00% | — |
| up to 60 months | 10.25% | — |
| up to 72 months | 10.50% | — |
| up to 84 months | 11.25% | — |
Sources (1)
- secny.org/auto-loan-rates-pers…n-rates-near-syracuse-ny · captured Sep 17, 2026
NEW Auto & Motorcycle: 2026 - 2024 Model Years
Up to 100% Financing. Membership eligibility required. Take an additional 0.25% OFF rates listed with SECNY Checking Account w/Direct Deposit & Automatic Payment or Save2Earn Account Holder (maximum discount 0.25%).
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 5.00% | — |
| up to 24 months | 5.00% | — |
| up to 36 months | 5.00% | — |
| up to 48 months | 5.25% | — |
| up to 60 months | 5.50% | — |
| up to 72 months | 5.75% | — |
| up to 84 months | 6.00% | — |
Sources (1)
- secny.org/auto-loan-rates-pers…n-rates-near-syracuse-ny · captured Sep 17, 2026
NEW Electric Cars & Motorcycles: 2026 - 2024 Model Years
Up to 100% Financing. Members will be allowed two loan recalculations once they apply the full amount of any tax credit and/or rebate as a GREEN ADVANTAGE. Membership eligibility required. Take an additional 0.25% OFF rates listed with SECNY Checking Account w/Direct Deposit & Automatic Payment or Save2Earn Account Holder (maximum discount 0.25%).
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 4.75% | — |
| up to 48 months | 5.00% | — |
| up to 60 months | 5.25% | — |
| up to 72 months | 5.50% | — |
| up to 84 months | 5.75% | — |
Sources (1)
- secny.org/auto-loan-rates-pers…n-rates-near-syracuse-ny · captured Sep 17, 2026
USED Electric Cars & Motorcycles: 2023 - 2019 Model Years
Financing up to 100% Financing. Members will be allowed two loan recalculations once they apply the full amount of any tax credit and/or rebate as a GREEN ADVANTAGE. Membership eligibility required. Take an additional 0.25% OFF rates listed with SECNY Checking Account w/Direct Deposit & Automatic Payment or Save2Earn Account Holder (maximum discount 0.25%).
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 5.00% | — |
| up to 48 months | 5.25% | — |
| up to 60 months | 5.50% | — |
| up to 72 months | 5.75% | — |
| up to 84 months | 6.25% | — |
Sources (1)
- secny.org/auto-loan-rates-pers…n-rates-near-syracuse-ny · captured Sep 17, 2026
Used Auto & Motorcycle: 2015 and Older
Financing 80% Book Value ONLY. For collector cars, requires appraisal. Membership eligibility required. Take an additional 0.25% OFF rates listed with SECNY Checking Account w/Direct Deposit & Automatic Payment or Save2Earn Account Holder (maximum discount 0.25%).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 8.50% | — |
Sources (1)
- secny.org/auto-loan-rates-pers…n-rates-near-syracuse-ny · captured Sep 17, 2026
Used Auto & Motorcycle: 2018 - 2016 Model Years
Financing up to 80% Book Value (use NADA Book Value average retail amount). For 100% Financing add 0.25%. Membership eligibility required. Take an additional 0.25% OFF rates listed with SECNY Checking Account w/Direct Deposit & Automatic Payment or Save2Earn Account Holder (maximum discount 0.25%).
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 7.25% | — |
| up to 24 months | 7.25% | — |
| up to 36 months | 7.25% | — |
| up to 48 months | 7.75% | — |
| up to 60 months | 8.00% | — |
Sources (1)
- secny.org/auto-loan-rates-pers…n-rates-near-syracuse-ny · captured Sep 17, 2026
Used Auto & Motorcycle: 2023 - 2019 Model Years
Up to 100% Financing. Membership eligibility required. Take an additional 0.25% OFF rates listed with SECNY Checking Account w/Direct Deposit & Automatic Payment or Save2Earn Account Holder (maximum discount 0.25%).
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 5.00% | — |
| up to 24 months | 5.00% | — |
| up to 36 months | 5.00% | — |
| up to 48 months | 5.50% | — |
| up to 60 months | 5.75% | — |
| up to 72 months | 6.00% | — |
| up to 84 months | 6.75% | — |
Sources (1)
- secny.org/auto-loan-rates-pers…n-rates-near-syracuse-ny · captured Sep 17, 2026
Who can join SECNY Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons working, living, worshipping, attending school, businesses, and legal entities in Onondaga, Madison, Oswego, and Cayuga counties.
Family and household
- Membership is open to immediate family of current members (including spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, and adoptive relationships) or household members living in the same residence and maintaining a single economic unit.
Membership information collected October 5, 2026.