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1Special Offer: First Castle membership required to close a loan. If you are not a member, you must be eligible to open a Primary Share account to become one. The deposit to open a Primary Share account starts at a minimum of $5 . For existing members, deposit or loan accounts must be in good standing at the time of application. Loan approval based on certain credit criteria and credit worthiness. Not everyone will qualify. First payment will be due no more than 90 days after loan is funded. Period may be shorter than 90 days if member opts to choose a different due date to coincide with payroll or for any other reason. Skipped payments will be deferred and extended to the end of the original term of the loan. Additional interest will accrue on the deferred payments throughout this deferred payment period. Skipped payments will affect the loan’s annual percentage rate (APR) for the statement period(s) in which the payments were skipped. $100 bonus cash will only be given for auto loans that are new to First Castle with a loan amount greater than or equal to $10,000. Cash will be disbursed directly to the member’s First Castle checking account. If the member does not have a checking account, funds will be disbursed to member’s primary share or savings account instead. If the First Castle checking or savings account has a negative balance, the $100 will be used to offset the negative balance. If negative account balance exceeds $100, member may be required to deposit any additional funds necessary to bring the account to good standing before the bonus will be deposited. No substitutions. Offer valid for new or used auto or motorcycle loans and for refinancing auto or motorcycle loans from another financial institution. Cannot be combined with any other loan. Offer valid for a limited time and is subject to change or end at any time. Other restrictions apply. See a representative for details.
2APR = Annual Percentage Rate. Rate shown above are the lowest offered by First Castle for the advertised product. Approval based on certain credit criteria and credit worthiness. Not everyone will qualify for rate advertised. Rate and term determined by credit worthiness, collateral and loan to value. Terms range from 0-84 months. Financing at 2.99% APR equals an estimated $22.13 monthly payment for 48 months per $1,000 borrowed. Refinancing a loan already financed with First Castle may warrant a 1% rate increase to the qualifying rate without additional cash. If refinancing a loan currently financed by another financial institution, registration fees may apply. Collateral older than six model years may see a rate increase of 1.5%. Volunteer collateral protection products available at additional costs. Some restrictions apply. See representative for details.
3Existing auto loans at First Castle Federal Credit Union are not eligible for refinancing at FCFCU.
4Based on credit worthiness.