**Annual Percentage Rate. Fixed rate on all new and used vehicles, model year 2019 and newer. Rates are determined by product, term, creditworthiness and subject to approval. To qualify for 2.99% APR, credit score must be 720 or higher with terms up to 72 months. Sample monthly payment at 2.99%, 72-month term, is $15.19 per $1000 financed. Member(s) must be pre-approved before purchase to receive the promotional rate. Promotional rates only apply to purchases and refinances from other financial institutions. Other rates and terms available. Relationship discounts, internal refinances, or CUAC indirect loans are not eligible for the promotional rate. Rates and terms are subject to change without notice. Promotion is effective September 1, 2022 – October 31, 2022.  All loans are subject to credit approval and membership is required.