*APR= Annual Percentage Rate. The APR is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Offer subject to credit approval. Loans must be in good standing (not more than 30 days past due) to be eligible for this offer. The credit union’s rate reduction program is meant to save members money. However, the rate offered to each member will not go below the member's qualified rate. Verification of current rate is required. Minimum floor rate for this offer is 1.89%. Minimum loan balance for the $100 offer is $10,000. Loans currently financed with the credit union are not eligible for this offer. Rate subject to change at any time without notice. For complete details, contact the credit union. Offer effective May 1 - July 31, 2016. Calculator is for best case scenerio. Your actual savings may vary. Federally insured by the NCUA.