* APR = Annual Percentage Rate. Your actual rate may vary and will be determined at the time of disbursement, based on your credit worthiness, term, collateral, and loan program. Not all applicants will qualify for the lowest rate. Any savings is an estimated reduction in your monthly payment and not necessarily a reduction in the finance charges assessed over the life of your loan. Your actual savings will depend on the terms on which you refinance. Auto refinance incentive does not apply to car loans financed at TFCU or through SFAC, rateGenius or ILending. $100 cash incentive will be paid for loans $10,000-$14,999, $150 cash incentive will be paid for loans $15,000 +. Loan balance of at least $10,000 required for cash incentive. Cash bonus will be deposited to your TFCU savings account 90 days after loan closing with loan in good standing. Refinance offer limited to one per vehicle. Offer cannot be combined with any other offer. Other restrictions may apply. Rate will not be lower than 2.35% APR.. Refinance Example: $10,000 loan at 2.35% APR with 60 monthly payment of approximately $176.83. This offer may be removed at any time without notice. Loan subject to credit approval. TFCU membership eligibility required with $5.00 minimum in savings. Must reside in state within TFCU lending area.