1 APR = Annual Percentage Rate. Fixed rate on all new and used vehicles, model year 2020 and newer. Rates are determined by product, term, and creditworthiness, and subject to approval. To qualify for 5.65% APR, credit score must be 720 or higher with terms up to 60 month; terms from 61-72 months require one qualifying member relationship discount. Sample monthly payment at 5.65%, 72-month term, is $16.41 per $1000 financed. Other rates and terms available. Rates and terms are subject to change without notice. All loans are subject to credit approval and membership is required.