Disclosures
Auto Loan:
*APR is Annual Percentage Rate. Offers are subject to change without prior notice. Loan rates and terms may vary and are subject to application creditworthiness. To qualify for the 0.50% direct deposit discount, a member must have an existing direct deposit relationship of a minimum of $1,000 per month into any deposit account or establish a direct deposit relationship of a minimum of $1,000 per month into any deposit account, initiated within 45 days of loan closing. If the direct deposit is not established or is discontinued, the interest rate will increase by 0.50%. Direct deposits include deposits from employer payroll, government benefits, retirement payments or pensions. Offer valid on auto loans originated on or after January 1, 2026. Not applicable to Line of credit, revolving or credit products. Promotional discount offering may be withdrawn at any time. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2021 or Newer with a maximum loan to value (LTV) of 100% or less. APR is based on $10,000 financed, except for 73-84 month term Auto which is based on the $35,000 minimum loan amount. At 4.74% APR and a loan amount of $10,000, your auto loan would have a monthly payment of $299.10. APR and term are determined by the evaluation of applicant's credit history and the actual rate and/or term may vary. We use risk-based pricing to determine the interest rate and/or term (see below).
**No payment for 90 days offer is for auto loans only, commercial vehicles excluded. Payment deferred 90 days, with interest accrued during the 90-day payment deferral. For refinance of auto loans, the consumer auto loan must be refinanced from another financial institution. Not valid for existing BrightBridge loans. Loans subject to credit qualifications
Debt Protection:
^ Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
Skip-A-Payment:
^^ Loans must have been opened for a minimum of six (6) months prior to the first month skipped. Your account and membership status must be current and in good standing in the month prior to the month being skipped. Interest will continue to accrue on unpaid balances through skipped payment period. Account holder acknowledges that Guaranteed Asset Protection (GAP); Debt Protection/Credit Protection and/or Warranty claim benefits may be impacted due to extension of maturity date and continued interest accrual on skipped payments. Account holder assumes all responsibility for cancellation and reinstatement of third party originated payment transactions.
