*APR=Annual Percentage Rate. All loans subject to approval. Rates, terms and conditions subject to change and vary based on creditworthiness, qualifications and collateral conditions. Rate will not be less than 3.99% APR for vehicle year 2017 or newer, up to a 60 month term. Quoted auto loan rates are accurate as of 06/12/2019 and subject to change. Payment Example: For a $25,000 loan, 60 months, APR of 3.99%, with first payment of $531.62 per month with Debt Protection. Rate is higher for terms greater than 60 months. Terms up to 84 months available. Cannot be combined with any other offer and may change or be discontinued at any time without prior notice. Must have FNCU checking account with direct deposit and automatic loan payment. Members without a checking account, direct deposit and automatic loan payment may receive a slightly higher rate (.25%). Other restrictions may apply. Offer expires 09/30/2019. Interest accrues from the date of funding. Election of 60-day first payment due date may increase finance charges. Offer is valid for new auto loans only and is not available on refinances of existing FNCU loans.