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^*APR=Annual Percentage Rate.

Advertised "as low as" annual percentage rates (APR) assume excellent borrower credit history. Not all applicants will qualify for the lowest advertised APR. Your actual APR may differ and will be based on creditworthiness, loan amount, loan term, auto model year, and applicable underwriting criteria. Rates and terms are subject to change without notice. Lien placed on vehicle. Certain restrictions apply.

¹Displayed estimated payment (per $1,000) amounts and payment example assume excellent borrower credit history, a maximum LTV of 125% of MSRP or JD Power Retail Value, and maximum loan amount of $100,000. Displayed monthly payment amounts are precision-rounded for disclosure purposes. Repayment metrics are derived from actual amortized math factors over the maximum loan term, and rounded payment totals may vary slightly across alternative interest rate columns.

Payment Example: A $20,000.00 loan with a 0-month term at 5.24% APR will have 0 payments of $0.00 and a final payment of $0.00. This example is for illustrative purposes; actual rates, terms, and payments will vary based on your individual credit profile.

^**A 0.25 percentage-point direct deposit rate discount is available only at the time of application and when a Qualifying Direct Deposit^† is set up on an Everyday Hero Checking account. Qualifying Direct Deposit must be established within 60 days of loan funding. If qualifying direct deposit is not established within 60 days, or if qualifying direct deposit is subsequently discontinued during the term of the loan, the interest rate and APR will increase by 0.25 percentage points, in accordance with the terms of the loan agreement. Additional terms and conditions may apply.

^†A “Qualifying Direct Deposit” is a recurring electronic Direct Deposit of income from payroll, pension or government benefit payments (such as Social Security), made by your employer, payroll or benefits payor, or government agency via an Automated Clearing House (ACH) transfer. Each deposit must be identifiable as a direct deposit transaction through a valid ACH trace number. Teller deposits, debit card and ATM deposits or transfers, peer-to-peer transfers or payments including through Zelle®, Venmo®, Cash App, Apple Cash, Google Pay or similar service(s), Online and Mobile Banking transfers or deposits, transfers from another MCU account, or other in-person, ATM, or electronic transfer, such as wire transfer or one-time ACH deposits do not qualify as Qualifying Direct Deposits. MCU reserves the right to verify the source of all deposits and disqualify any that do not meet the defined criteria.

Minimum loan amounts:

• $10,000 up to 60 months
• $20,000 up to 72 months
• $30,000 up to 84 months

MCU will only finance vehicles purchased from franchise car dealers or the following independent dealers: TRUECar® Certified Dealers, Carvana®, CarMax® or Hertz Car Sales®.

Loans are available to all Municipal Credit Union members. Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.

^*APR=Annual Percentage Rate.

Advertised "as low as" annual percentage rates (APR) assume excellent borrower credit history. Not all applicants will qualify for the lowest advertised APR. Your actual APR may differ and will be based on creditworthiness, loan amount, loan term, auto model year, and applicable underwriting criteria. Rates and terms are subject to change without notice. Lien placed on vehicle. Certain restrictions apply.

¹Displayed estimated payment (per $1,000) amounts and payment example assume excellent borrower credit history, a maximum LTV of 125% of MSRP or JD Power Retail Value, and maximum loan amount of $100,000. Displayed monthly payment amounts are precision-rounded for disclosure purposes. Repayment metrics are derived from actual amortized math factors over the maximum loan term, and rounded payment totals may vary slightly across alternative interest rate columns.

Payment Example: A $20,000.00 loan with a 0-month term at 4.99% APR will have 0 payments of $0.00 and a final payment of $0.00. This example is for illustrative purposes; actual rates, terms, and payments will vary based on your individual credit profile.

^**A 0.25 percentage-point direct deposit rate discount is available only at the time of application and when a Qualifying Direct Deposit^† is set up on an Everyday Hero Checking account. Qualifying Direct Deposit must be established within 60 days of loan funding. If qualifying direct deposit is not established within 60 days, or if qualifying direct deposit is subsequently discontinued during the term of the loan, the interest rate and APR will increase by 0.25 percentage points, in accordance with the terms of the loan agreement. Additional terms and conditions may apply.

^†A “Qualifying Direct Deposit” is a recurring electronic Direct Deposit of income from payroll, pension or government benefit payments (such as Social Security), made by your employer, payroll or benefits payor, or government agency via an Automated Clearing House (ACH) transfer. Each deposit must be identifiable as a direct deposit transaction through a valid ACH trace number. Teller deposits, debit card and ATM deposits or transfers, peer-to-peer transfers or payments including through Zelle®, Venmo®, Cash App, Apple Cash, Google Pay or similar service(s), Online and Mobile Banking transfers or deposits, transfers from another MCU account, or other in-person, ATM, or electronic transfer, such as wire transfer or one-time ACH deposits do not qualify as Qualifying Direct Deposits. MCU reserves the right to verify the source of all deposits and disqualify any that do not meet the defined criteria.

Minimum loan amounts:

• $10,000 up to 60 months
• $20,000 up to 72 months
• $30,000 up to 84 months

MCU will only finance vehicles purchased from franchise car dealers or the following independent dealers: TRUECar® Certified Dealers, Carvana®, CarMax® or Hertz Car Sales®.

Loans are available to all Municipal Credit Union members. Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.