*Annual Percentage Rate. All loan rates subject to change without notice. All loans subject to credit approval. Certain restrictions may apply. Effective 01-01-2020 through 02-29-2020. Loan special based on existing rate and term. Lowest possible rate 3.29% APR. Does not qualify for any additional reductions. Estimated monthly payment on $10,000.00 borrowed at 3.29% APR for 48 months is $222.65. Promotional rates apply to vehicles financed at another institution only. Gift card will be given at the loan closing 01-01-2020 through 01-31-2020. Membership is required. Federally Insured By National Credit Union Association.