APR= Annual Percentage Rate. Rates as of 1/01/2025 and are subject to change at any time. 4.74% APY is the standard preferred rate with a minimum 750 FICO and a 60-month term loan. Excludes existing LLFCU auto loans. Subject to credit approval and membership eligibility. Some restrictices may apply. The rate quoted is the standard preferred rate plus 0.50% rate discount with direct deposit and 0.50% rate discount with automatic payment established. Other terms and conditions may apply see Credit Union for details.