*APR = Annual Percentage Rate. As of 10/31/2025. APR based on payment method, creditworthiness, loan terms and collateral. Rates, terms, and conditions are subject to change. New Auto is defined as current model year or previous model year with less than 10,000 miles. Used Auto is defined as being older than 2 model years or over 10,000 miles. 4.49% APR limited to 48-month term for new autos and 4.99% APR limited to 48-month term used autos. Low as rate includes 0.25% discount for ACH payments. Auto rate does not apply to vehicles older than 8 model years. Qualifying vehicle loans with a balance of $50,000 and greater than are subject to a 0.50% higher rate. Qualifying vehicle loans with a balance of $75,000 and greater are subject to a 0.75% higher rate. Qualifying vehicle loans with a balance of $100,000 and greater are subject to a 1.00% higher rate. Based on a minimum loan of $5,000 with a term of 48 months for a new vehicle, and APR of 4.49%, which includes ACH discount, and no down payment would have an estimated monthly payment of $113.99. Based on a minimum loan of $5,000 with a term of 48 months for a used vehicle, and an APR of 4.99%, which includes ACH discount, and no down payment would have an estimated monthly payment of $115.12. All examples are hypothetical and are for illustrative purposes only. Your payment amount will differ based on a variety of factors, including when your first payment is due. Loan discounts will be taken off until the APR reaches GTE floor rate of 2.99%.