Used Auto

*APR = Annual Percentage Rate. As of 08/21/2024. 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. 5.74% APR limited to 48-month term for new autos and 6.24% APR limited to 48-month term used autos. Low as rate includes .25% discount for ACH payments and .25% discount paid for with Go Points. Auto rate does not apply to vehicles older than 8 model years. Qualifying vehicle loans with a balance $50,000 and greater than are subject to a .50% higher rate. Qualifying vehicle loans with a balance $75,000 and greater are subject to a .75% higher rate. Qualifying vehicle loans with a balance $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 5.74%, which includes ACH and Go Points discounts, and no down payment would have an estimated monthly payment of $117.10. Based on a minimum loan of $5,000 with a term of 48 months for a used vehicle, and an APR of 6.24%, which includes ACH and Go Points discounts, and no down payment would have an estimated monthly payment of $118.28. 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.

** The 0.25% is off a new auto loan using GTE Financial and will be taken off until the APR reaches GTE floor rate of 3.99%.

1:  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. 5.49% APR limited to 48-month term for new autos and 5.99% APR limited to 48-month term used autos. Rates as low as includes .50% discount for ACH payments and .25% discount paid for with Go Points. Auto rate does not apply to vehicles older than 8 model years. APR = Annual Percentage Rate. Discount is eligible for new auto loans to GTE Financial, originated between August 1, 2024 and September 30, 2024. Internal refinances are excluded from this promotion. All loans are subject to approval. GTE reserves the right to end or modify this promotion at any time. The 0.25% is off a new auto loan using GTE Financial and will be taken off until the APR reaches GTE floor rate of 3.99%.

2: Promotion active from August 1, 2024 and September 30, 2024. In order to receive the discount listed above, the Guaranteed Asset Protection (GAP) must be active for 60 days. Credit union’s credit decision will not be affected by whether the consumer elects to purchase this protection. Your GAP certificate will have complete coverage conditions and exclusion details. $500 per loss and unlimited claims per year, effective upon enrollment and continues for 3 years. 

3: Available to all qualified borrowers purchasing or refinancing a primary residence with GTE Financial dba GTE Credit Union. Offer is valid for 120 days from the date of the RESPA application. RESPA application must be dated between 8/1/2024 and 10/1/2024  to be eligible. Closing cost discounts will be applied at the time of closing on the appropriate closing documents. This is not a commitment to lend. Lending products are subject to credit and property approval. $500 borrower’s closing cost is offered only to members that have financed an auto loan with GTE Financial between August 1, 2023, and September 30, 2024. Offer is not valid for home loan applications submitted or approved prior to August 1, 2024, or on home equity products. Offer may not be combined with any other offers promotions or discounts unless otherwise noted. Limit one (1) closing credit per loan transaction. Certain conditions apply. Additional restrictions may apply . Offer may be withdrawn at any time. GTE Federal Credit Union: 711 Henderson Avenue, Tampa, FL 33602 | NMLS ID # 477712. : Contact Us to speak with a Loan Executive regarding our rates and fees – Tel No.:(813)871-2690