*APR=Annual Percentage Rate. Membership eligibility required. Your interest rate and term will be determined by your credit qualifications and make and model of your vehicle. Floor rate of 2.99% APR applies to special refinance offer for autos 2015 and newer year models. Offer good on vehicles not currently financed with ECFCU. Minimum value to refinance and still qualify for special offer is $5,000. Interest will continue to accrue during deferral period. Offer may change or be withdrawn at any time.