Applicants who:

1) HAVE FINANCED AN AUTO LOAN AT ANOTHER LENDER WITHIN THE LAST 12 MONTHS,

2) HAVE NO LATE PAYMENTS ON THE LOAN, AND

3) ARE CURRENTLY EMPLOYED (VERIFICATION IS REQUIRED)

ARE PREQUALIFIED TO REFINANCE THEIR AUTO LOAN WITH STRATA CREDIT UNION AT A RATE EQUAL TO 2.0% BELOW THEIR CURRENT APR*, SUBJECT TO A MINIMUM APR OF 4.99%*. THE ORIGINAL LOAN TERM WILL NOT BE EXTENDED. APPLICANTS WITH AUTO LOANS AT ANOTHER LENDER ORIGINATED MORE THAN 12 MONTHS AGO MAY ALSO BE ELIGIBLE FOR REFINANCE SUBJECT TO CREDIT APPROVAL. OFFER DOES NOT APPLY TO EXISTING STRATA CREDIT UNION AUTO LOANS. OFFER IS AVAILABLE 09/02/2025 THROUGH 11/26/2025, SUBJECT TO AVAILABILITY. STRATA CREDIT UNION MEMBERSHIP AND A SHARE SAVINGS ACCOUNT WITH A MINIMUM DEPOSIT OF $5.00 IS REQUIRED. FEDERALLY INSURED BY NCUA.

*ANNUAL PERCENATAGE RATE (APR) OF 4.99% INCLUDES A .25% DISCOUNT FOR AUTOMATIC PAYMENTS FROM A STRATA CREDIT UNION CHECKING ACCOUNT. IF AUTOMATIC PAYMENTS ARE CANCELED, THE INTEREST RATE WILL INCREASE BY .25% WITH A CORRESPONDING INCREASE IN THE PAYMENT. EXAMPLE: A $10,000.00 AUTO LOAN FOR A TERM OF 60 MONTHS WITH A 4.99% APR, THE MONTHLY PAYMENT WILL BE $188.67. WITHOUT THE AUTOMATIC PAYMENT DISCOUNT THE INTEREST RATE IS 5.24% APR AND THE MONTHLY PAYMENT WILL BE $189.81.