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2. The 2.99% APR is reflective of a range of rates available, depending upon your credit qualification, the amount financed, a .50% reduction by maintaining automatic payments and a .25% reduction for members in the Premier Member Merits category. If you delete your automatic payment request or the Credit Union terminates your automatic payment request due to insufficient available funds, this interest rate may be increased by one-half of one percent (.50%) for the remaining term of the loan. This rate change will be reflected on your Credit Union statement. Loan payment example: a $10,000.00 new auto loan for 60 months at 2.99% APR will have a monthly payment of $177.43.