*The promotional offer is available to loans with a term of 72 months or fewer and meets credit union underwriting criteria. If Members 1st cannot lower your current vehicle loan payment, we will credit you up to $500 to your credit union account based on the following funded loan amount tiers: $10,000-$19,999 loan receives $100, $20,000-$49,999 loan receives $200, and $50,000 loan or more receives $500. Credits may be applied up to 30 days after Members 1st funds the approved application. Credits to Members 1st accounts in excess of $600 a year will be reported as miscellaneous income for tax purposes. A current loan statement from your lender will be required during the application process. Auto loan proceeds may not be used to refinance existing Members 1st Credit Union auto loans. Promotional offer and deadline is subject to change. Visit m1cu.org/auto for details.