*APR= Annual Percentage Rate. All loan rates subject to change without notice. All loans subject to credit approval. Certain restrictions may apply. Effective 01-01-2026 through 01-31-2026. All rates and limits based on existing rate and term. Offer applies to loans financed with another lender only. Must meet lending criteria. Lowest possible rate 4.49% APR*. Does not qualify for any additional rate reductions. Estimated monthly payment on $10,000.00 borrowed at 4.49% APR for 36 months is $297.43. To qualify for a $50.00 Visa gift card, the loan must be closed between 01-01-2026 and 01-31-2026. Visa gift card will be given at the time of refinance. Membership is required. Federally insured by NCUA.
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