* Not all members will qualify. Only members with excellent credit will qualify for the 90-day delay in the first payment. Eligibility for the 90-day deferral is also subject to EECU’s underwriting guidelines for loan-to-value and mileage. Interest will accrue during the 90-day payment deferral period.

** APR=Annual Percentage Rate. This offer is to refinance an auto loan older than 90 days and not originated by EECU. It is subject to credit approval and EECU’s lending policies. Your APR may vary based on your creditworthiness and term of the loan. EECU does not charge an application fee. Vehicle titling fees will apply and may differ depending on your county of residence. Offer and rates subject to change without notice. Other terms and conditions may apply. Membership in EECU is required – membership information available at eecu.org.

1 This information is estimated based on members whose auto refinance loans were booked with EECU between 09/01/2024 and 12/31/2024, had an existing auto loan on their credit report, and accepted their final terms. These members saved an average of $146 per month. Refinance savings may result from a lower interest rate, longer term, or both. There is no guarantee of savings. Your actual savings, if any, may vary based on interest rates, the repayment term, the amount financed, and other factors.

2 Minimum refinanced loan amount is $15,000 to qualify for the cash bonus. If the refinance is approved and booked, the cash bonus will be deposited to your share account 30 days after the loan closes. The value of the cash bonus may be reported to the IRS, and you are responsible for any federal, state, or local taxes on the cash bonus.