External Auto Loan Rates as Low as 3.99% APR*

^*Rates shown are Annual Percentage Rate (APR), accurate as of June 1, 2026, and subject to change without notice. Rates advertised for external refinances only. Rate advertised with a .75% reduction for the Direct Deposit+ checking account tier (example: 4.74% APR less .75% = 3.99%). Up to a .75% discount will be applied to the APR that a member qualifies for based on creditworthiness and checking account tier. Members must maintain the checking account tier qualifications for the life of the loan in order to keep their loan discount. The loan type, collateral age and loan term may impact the APR offered. Floor rate may apply. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. 

^**The $250 cash back bonus (“Bonus”) is available on external auto refinance loans only. Internal refinances of existing Service Credit Union loans and Commercial/Business members are not eligible. All loans are subject to underwriting, credit approval, and collateral requirements. To qualify for the Bonus, you must submit an application for an external auto refinance loan between June 29, 2026, and July 31, 2026, and the loan must be funded by Service Credit Union by August 7, 2026.  The loan must remain open and in good standing (not delinquent or charged-off) through the Bonus payment date of August 9, 2027. You must receive direct deposit to your checking account totaling at least $500 per calendar month through the Bonus payment date. The checking account and external refinanced auto loan must be held under the same membership number.  If direct deposit was not already established prior to the time of loan funding, your first direct deposit must be received on or before October 6, 2026, and you must continue to receive at least $500 in direct deposits each consecutive calendar month thereafter through August 7, 2027. A calendar month is defined as the period beginning on the first day of the month and ending on the last day of the same month (e.g., November 1 through November 30). Only one (1) Bonus will be awarded per primary borrower, regardless of the number of qualifying loans funded. The Bonus will be deposited into your primary savings account on or around August 9, 2027, provided all requirements have been met. Your primary savings account must be open and in good standing (not closed or restricted) at the time of payout. The Bonus may be considered taxable income. If required by law, Service Credit Union will report the Bonus and any other reportable earnings to you and the IRS on the appropriate tax form (e.g., Form 1099-MISC or 1099-INT). Service Credit Union reserves the right to withhold, deny, or revoke the Bonus if it determines, in its sole discretion, that the offer has been subject to abuse, misuse, or manipulation. This offer is subject to change or may be discontinued at any time without notice. 

^***Loan Discounts do not apply to real estate (excluding HELOC), lines of credit, business loans, certificate or share secured consumer loans, Instant Loans or VISA loans. Discount will be applied to the APR that a member qualifies for based on creditworthiness and checking account tier. The loan type, collateral age and loan term may impact the APR offered. Members must maintain the checking account tier qualifications for the life of the loan in order to keep their loan discount. Discount conditions will be set forth in your loan contract. Floor rate may apply. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.