Fresh season, fresh ride

Offer valid September 1, 2026 through September 30, 2026. The no-payment period applies to all vehicle loans and covers the first 90 days of the loan. Interest will begin to accrue as of the loan date. Loans are subject to credit approval. Additional terms, conditions, and limitations may apply.

A 96-month term is available on new and used autos (up to four prior-year models). To qualify for the 96-month term on used autos, you must receive at least $750 per month in qualifying ACH deposits from an outside source into your eligible Georgia’s Own checking or savings account(s) during each of the two calendar months immediately before your loan application is approved.

Your Annual Percentage Rate (APR) may vary based on several factors, including creditworthiness, collateral, loan-to-value/combined-loan-to-value, and loan term. Your APR could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Auto payment example: A 2025 auto with <90% LTV, financed for 48 months at 5.07% APR, would have a monthly payment of approximately $23.06 per $1,000 borrowed. Loans are subject to credit approval. Loan terms are effective as of September 1, 2026, and are subject to change at any time.

A 240-month term is available on new marine/RVs only. Your APR may vary based on several factors, including creditworthiness, collateral, loan-to-value/combined-loan-to-value, and loan term. Your APR could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined. Marine/boat payment example: A 2025 boat with <110% LTV, financed for 60 months at 7.69% APR, would have a monthly payment of approximately $20.13 per $1,000 borrowed. RV payment example: A 2025 motor home with <110% LTV, financed for 60 months at 8.19% APR, would have a monthly payment of approximately $20.37 per $1,000 borrowed. Loans are subject to credit approval. Loan terms are effective as of September 1, 2026, and are subject to change at any time.

Member must establish auto pay for their direct vehicle loan from a Georgia’s Own checking account to qualify for the rate discount. Offer valid through December 31, 2026.

GAP, which includes deductible assistance, is not insurance; it is an optional debt cancellation product. GAP will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP Fee to the amount financed under your contract will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.

GAP purchased from state-chartered credit unions in FL, GA, IA, IN, UT, VT, and WI may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you purchase a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee.

GAP purchased from state-chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee.

© TruStage | GAP-6416324.1-0224-0326

Payment protection products include debt protection products available through the credit union and MEMBER’S CHOICE® credit life and credit disability insurance underwritten by CMFG Life Insurance Company. Your purchase of Member Protection Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement, for a full explanation of the terms of Member Protection Plus. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid. DPGAP-0813-5B06, CUNA Mutual Group 2014, All Rights Reserved.

Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., in FL, LA , and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 800.752.6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In CA, where Mechanical Repair Coverage is offered as insurance (form MBIP 08/16), it is underwritten by Virginia Surety Company, Inc. Coverage varies by state. Replacement parts may be used or remanufactured. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product.

Products / Services Offered By Third Parties / Affiliates: Any financial, investment, warranty, credit insurance or other products or services (“products”) which are provided by third parties or any affiliates are not products of the Credit Union. If the purchase of same is facilitated by or through Credit Union financing; such is merely a convenience to the borrower(s) and in no way creates any contractual or other relationship between the borrower(s) and the Credit Union with regard to any such products. Any rights, obligations or claims with regard to such products shall be solely and exclusively by and between the party providing such products as may be set forth in any applicable contracts, agreements or otherwise, and the Credit Union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same.