*The 1% cash back is only available for auto refinances from another financial institution; Maximum $300.00. Loan must be open and in good standing for 90 days or 1% cash back will be surrendered. Cash back will be posted to Primary Share account after 90 days. Loan must not be delinquent at the time cash back is awarded. 90 days deferred payments dependent on credit qualifications and existing Vermont Federal Credit Union loans are not eligible. Insurance Verification applies to all secured loans. Monthly premiums for credit insurance purchased and interest will be added to the loan during the deferred payment term. Applications for this promotion must be submitted no later than 12/31/2026. This promotion cannot be combined with other offers. Must be a member of the Credit Union to obtain a loan. $5 share deposit required for membership. All loans subject to approval. Offer subject to change or end at any time without notice.