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*The 2% discount will be applied to the interest rate and will only be offered on loans that meet credit union underwriting criteria. The total rate, including the discount and any other discounts, is subject to a current floor rate of 2.75% APR**. If Members 1st cannot beat your current vehicle loan rate by 2%, we will credit $100 to your credit union account up to 30 days after Members 1st funds the approved application. Credits to Members 1st accounts in excess of $600 a year will be reported as miscellaneous income for tax purposes. A current loan statement from your lender will be required during the application process.
**APR = Annual Percentage Rate. Auto loan proceeds may not be used to refinance existing Members 1st Credit Union auto loans. This is a variable rate available to qualified borrowers. Minimum financing of $5,000. Multiple rates are available; however, the 2.75% APR offer is restricted to 2009 or newer models with 75,000 miles or less and a maximum term up to 60 months. The annual percentage rate may vary based on the 3rd week auction of the 26-week Treasury Bill (index.).