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Refinance Offer Disclosure

Rates and offers current as of October 8, 2020 and are subject to change. Promotional rate is not available to refinance on existing CommunityAmerica Credit Union auto loans.

*The auto refinance rebate of $200 is eligible on loan amounts of $10,000 and greater and must be refinanced from another institution. CommunityAmerica internal refinances are not eligible for this promotion. The $200 rebate will be deposited to the membership share savings account within 60 days after the first payment is made on the CommunityAmerica loan. CommunityAmerica may discontinue or change the promotion at any time. Other restrictions may apply.

1. APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. Refinancing your loan with CommunityAmerica Credit Union does not guarantee lower interest rates or monthly payments. The rate you receive on your loan will be the rate in effect at the time of loan disbursal. For used vehicles, maximum used car loan advance will be determined by CommunityAmerica using a NADA value. Up to 120% financing is available to qualified members. Refinance Loan Payment Examples: $20,000 at 2.99% APR; 36 monthly payments of approximately $582.20 or $20,000 at 3.24% APR; 36 monthly payments of approximately $584.47. APR as low as 2.99% APR available, subject to credit approval. Programs, offers, rates, terms and conditions are subject to change and expiration without notice and vary based on creditworthiness, qualifications, collateral, and loan terms. Stated APR includes 0.25% discount for existing members (membership open more than 90 days) who meet the following single membership qualifications at loan closing: Enrolled in eStatements, Monthly direct deposit of at least $250 posted to one deposit-suffix 15 posted point-of-sale debit card transactions per month to a single checking-suffix OR enrolled in eStatements, 25 posted point-of-sale debit card transactions per month to a single checking-suffix. Transactions exclude refunds, credits, fees, pre-authorizations and ATM transactions. Stated APR includes 0.25% discount for new members (membership open less than 90 days) who provide a valid email address. This is a limited time offer. The credit may be reported as income on IRS Form 1099-MISC.

Profit Payout dividend is discretionary and approved annually by CommunityAmerica’s Board of Directors. Amounts advertised are representative of actual dividends paid in 2020. Dividend is not guaranteed and may vary based on criteria established by CommunityAmerica Credit Union and the total amount allocated by the Board of Directors each year. Not everyone receives a dividend and member must be in good standing and meet other criteria on processing date to qualify. Dividends are reported to IRS and a 1099 form will be issued at year-end. Any applicable taxes are the responsibility of recipient.

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