*The annual percentage rate (APR) listed is our best rate and reflects a direct deposit and auto-transfer discount. Your rate may vary depending on your credit score, model year of vehicle, term of loan and method of payment. Borrower shall receive a discount of .50% on the Interest Rate stated on the Note in exchange for establishing and maintaining a direct deposit and auto-transfer of the monthly payment amount. First payment will be due 90 days from the closing of the loan. Finance charges begin accruing as of the loan disbursement date. A minimum loan amount of $15,000.00 new money for the purchase or refinance of a 2016 or newer automobile is required. Example: A $15,000.00 consumer auto loan at 2.24% APR with a 77 month term requires monthly payments of $209.90 and would total $16,162.30. Finance charges would total $1,162.30. Not valid for the refinancing of an existing ProFed auto loan or in combination with any other discounts or promotions. Membership at ProFed is required to participate in this promotion. All loans are subject to approved application and collateral review. Optional payment protection is available. Offer valid November 21, 2019–January 6, 2020. Some restrictions apply.