¹APR = Annual Percentage Rate

²For all new vehicle loans, rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications. Rates apply to new vehicles only. New vehicles are defined as current calendar year and prior year on which you are the original owner. The advertised 0.50% discount on the approved rate is available only to applicants who opt-in to automatic payments for their new vehicle loan. Automatic payments must be set up from an internal Spectra account and maintained throughout the loan term to qualify for the discount. The discounted rate will be applied at the time of loan approval and will remain in effect as long as automatic payments are active. Canceling automatic payments will result in the forfeiture of the discount, an adjustment to the loan rate, and payment amount. Cancellation of automatic payments is considered final and irreversible. Once automatic payments are canceled, any attempt to reinstate them will not revert your loan terms to previous promotional or discounted rates. To maintain this promotion and avoid being removed from the program, your loan must be in good standing. For all vehicle loans, collision and comprehensive insurance are required during the life of the loan. Membership eligibility requirements must be met. Spectra Credit Union reserves the right to end this promotion at any time without further notice.