*Rates are quoted "as low as" and are subject to an evaluation of your credit and collateral. Rates may vary from those indicated above. Rates are subject to change any time without notice. The 1% cash back is only available for auto refinances from another financial institution; Maximum $200.00. Loan must be open and in good standing for 90 days or 1% cash back will be surrendered. 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. This promotion cannot be combined with other offers. Must be a member of the Credit Union to obtain a loan. All loans subject to approval. Offer subject to change or end at any time without notice