It has never been a better time for an auto loan with rates as low as 3.75%APR*.  Plus when you finance your new or used auto or bring us your existing auto loan you could Win 1 of your monthly car payments in cash**!   *APR = ANNUAL PERCENTAGE RATE.  OTHER TERMS AND RATES AVAILABLE.  LOAN RATES ARE BASED ON CREDIT SCORE.  ALL LOANS ARE SUBJECT TO APPROVAL.  RATES ARE SUBJECT TO CHANGE AT ANY TIME.  A BORROWED AMOUNT OF $10,000.00 AT 3.75% APR FOR 36 MONTHS, NO INSURANCE, WILL RESULT IN A MONTHLY PAYMENT OF $294.12. MEMBERSHIP ELIGIBILITY REQUIRED.   CALL THE CREDIT UNION FOR MORE DETAILS   **Minimum loan amount must be $7,500.00 ROUND UP A GREAT HOME EQUITY (FIXED) RATE AT 4.75% APR* FOR 60 MONTHS   Q & A :  Should I Use a Home Equity Loan to Pay Off My Mortgage? Question: I have a mortgage but I am paying higher interest rates than what is available now. I want to refinance but I do not have a large balance left and I do not want to pay the hefty closing costs. Is there anything I can do or am I stuck with the high rate I have now? Answer: Consider getting a home equity loan with no closing costs*. You can use that loan to pay off your primary mortgage. In effect making your equity loan your first mortgage. You even can get the loan for slightly more than your current mortgage balance and use the remaining money for home improvements. With your new low rate home equity loan you will still have monthly payments but they will be at a fixed rate that is lower than your current rate. And the interest still may be tax deductible if you itemize. This method works best for people who do not have a large balance left on their mortgages. If that describes you stop by Priority First FCU and ask about a home equity loan. You will end up getting the lower rates you wanted and you will avoid paying closing costs. *APR = ANNUAL PERCENTAGE RATE.  OTHER TERMS AND RATES AVAILABLE.  LOAN RATES ARE BASED ON CREDIT SCORE.  ALL LOANS ARE SUBJECT TO APPROVAL.  RATES ARE SUBJECT TO CHANGE AT ANY TIME.  A BORROWED AMOUNT OF $10,000.00 AT 4.75% APR FOR 60 MONTHS, NO INSURANCE, WILL RESULT IN A MONTHLY PAYMENT OF $187.59, WITH SINGLE LIFE INSURANCE MONTHLY PAYMENT IS $191.46.  MEMBERSHIP ELIGIBILITY REQUIRED.   CALL THE CREDIT UNION FOR MORE DETAILS. * No cost unless a professional appraisal is needed.