Auto Loan Refinancing

*”As low as APR” (Annual Percentage Rate) rates listed are our best fixed rates on approved credit and includes a 1% discount for Automatic Payment (AutoPay) and .75% discount for payroll-related direct deposits of at least $1,500 per month. Payroll-related direct deposit discount only applies to new and used auto and truck loans. Payroll-related direct deposit discount excludes new and used motorhomes, new and used motorcycle loans, and new and used watercrafts. Payroll-related direct deposits are limited to pension, payroll, retirement benefits, and Social Security. Person to Person payments (such as Zelle®) are not considered payroll-related direct deposits. Your rate may increase if you stop using AutoPay or if you do not meet the payroll-related direct deposit requirement. To meet the payroll-related direct deposit requirement, you must establish and receive payroll-related direct deposits totaling at least $1,500 per month within 60 days of loan funding and continue to receive at least $1,500 per month in payroll-related direct deposits thereafter. Advertised rates and financing are based on creditworthiness and may not be available to all recipients; other conditions may apply. Additional rate and financing conditions apply for new and used auto and truck loans $200,000 and greater. Refinance of existing Logix loans excluded from advertised offer unless you take a $5,000 cash out (must meet our loan-to‐value requirements) or pay a $249 fee. Actual interest rates offered may be higher and a down payment may be required depending on applicant’s credit rating and other underwriting factors. Maximum 17.99% APR. "New Auto" means the current and prior model year with less than 10,000 miles. “Used Auto” means the current and prior model year with 10,000 or more miles, and any earlier (older) model year regardless of mileage.

**Up to 125% financing is available on a New or Used Vehicle purchase or no-cash-out loan refinancing from another institution; is based on creditworthiness, and may not be available to all recipients; other conditions may apply. Qualified borrowers may elect to defer the first payment due date for up to 90 days from loan funding date, subject to credit approval; interest will accrue during the 90-day payment deferral period.