*APR=Annual Percentage Rate. Payment sample: $15,000 auto loan with 48 month term at 3.24% APR, resulting in 48 monthly payments of $333.61. Rates shown are for highly qualified borrowers; rate received may be different based on credit history. Loans subject to borrower qualification; not all applicants will be approved. Fees and charges may apply. Rates as of 7/26/2019 and are subject to change without notice. Conditions, restrictions, and terms may apply. *APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history and all rate discounts per the credit union’s rate sheet. This is not a firm offer of credit. You will need to submit a credit application for loan consideration. Any savings shown above is a reduction in your monthly payment and not necessarily a reduction in the finance charges assessed over the life of your loan. Your actual savings will depend on the terms on which you refinance.