Business Details
50+ Years
experience
Your Trusted Financial Partner in Syracuse, NY
SECNY Federal Credit Union has served Central New York for over 54 years as a full-service financial institution. Founded on principles of integrity and community service, we operate as a member-owned cooperative where every account holder becomes both a customer and part-owner. Our mission focuses on promoting financial responsibility through education while delivering personalized banking solutions tailored to individual and business needs. With physical branches across Onondaga, Cayuga, Madison, and Oswego counties, we maintain local decision-making authority that prioritizes community interests over external shareholders. Our comprehensive service portfolio includes consumer and commercial lending, deposit products, mortgage financing, and innovative digital banking tools designed for modern financial management.Through youth financial literacy programs, scholarship initiatives, and community partnerships, we actively invest in regional development and educational advancement. Our team of experienced professionals combines personalized service with competitive rates, ensuring members receive both technological convenience and human expertise. Backed by consistent growth and member feedback highlighting staff knowledge and approachability, we remain committed to evolving with our community's changing financial landscape while maintaining our founding values of service, education, and community stewardship.
Services
Checking Accounts
Savings Accounts
Auto Loans
Home Equity Loans
Business Loans
Mortgage Services
Financial Education
Online Banking
Mobile App
Credit Cards
Details
- Year established: 1971
Highlights and features
- 54 years of local financial expertise serving Central New York
- Member-owned structure with locally-made lending decisions
- Comprehensive financial literacy programs for all ages
- 24/7 digital banking with mobile check deposit and bill pay
- Community reinvestment through scholarship and education initiatives
Services
Auto Loans
SECNY offers competitive auto loans for new and used vehicles with flexible terms and no down payment requirements. Our local loan specialists provide personalized guidance through the financing process while offering rate discounts for qualified borrowers. As a community-focused institution, we prioritize member needs over corporate profits when structuring loan terms.
Home Equity Loans
Fixed-rate home equity loans and HELOCs provide flexible financing options for home improvements, debt consolidation, or education expenses. With rates starting at 2.99% APR and no closing costs, our secured lending solutions leverage homeowners' equity while maintaining local underwriting standards that benefit Central New York residents.
Business Loans
Tailored lending solutions support local businesses through term loans, credit lines, and equipment financing options. Our business services include Visa Business Rewards credit cards with fraud protection, overdraft protection lines, and secured loan options backed by deposit accounts, all supported by local decision-making authority.
Financial Education
Comprehensive financial literacy programs serve all age groups through youth savings accounts, student-run branches, and adult education initiatives. The credit union's educational outreach includes community workshops, school partnerships, and the Walter M. Bobesky Presidential Scholarship program for continuing education.
Digital Banking
24/7 digital access includes mobile banking with check deposit, bill payment, account transfers, and credit monitoring tools. The enhanced mobile app features contactless payment options through digital wallets, real-time transaction alerts, and interactive loan application processes with three-step completion.
People
Courtney Fulmer
President/Chief Executive Officer
Leading SECNY Federal Credit Union since 2025, Courtney Fulmer brings extensive financial leadership experience to Central New York's member-owned institution. With a focus on digital transformation and community reinvestment, she oversees strategic operations while maintaining the credit union's founding commitment to local service excellence.
Questions
How do I open a new account with SECNY?
Visit any Syracuse branch, apply online through our website, or call 315-469-5599. Eligibility requires living, working, or attending school in specified New York counties, or family relationship with existing members.
What mortgage options are available for first-time homebuyers?
Our First Time Homebuyer Program offers $500 closing cost credits, 5% down payment options, and the Save2Own specialized savings account with higher dividends to help reach homeownership goals.
Are there local loan decision benefits?
Yes, as a local credit union we make lending decisions based on community relationships rather than corporate profit margins, often resulting in more favorable terms for Central New York residents.
How can I access 24/7 banking services?
Use our mobile app for 24/7 account access, mobile check deposit, bill payments, and transaction monitoring. The app also supports contactless payments through digital wallets.
What financial literacy programs do you offer?
We provide youth financial education through student-run branches, multimedia resources, and community partnerships. Adult education includes homebuyer courses and the Walter M. Bobesky Presidential Scholarship for continuing education.
Where are branch locations available?
We operate multiple branches across Onondaga, Cayuga, Madison, and Oswego counties with extended hours at select locations and Saturday availability at designated branches.
