APR = Annual percentage rate. 4.99%APR. Rate includes 0.25% discount for auto drafting your account at the Credit Union. Special rate applies up to 72 months on the purchase or refinance of a vehicle model year 2023 and newer. Requires 0% down payment. 72 monthly payments of $16.10 for each $1,000 borrowed. Rates shown are for qualified borrowers and are subject to change without notice. This does not apply to current loans financed at Top Tier FCU. Other Rates and Terms Available.

• To be eligible for the giveaway, you must either be a current Top Tier FCU member who is not signed up for E-statements or a new member that has started their membership during the time frame of the giveaway. Members must sign up for E-statements between Sept. 1, 2025 and Sept. 30, 2025. Winner’s first name and last initial will be posted on Top Tier FCU’s Social Media pages. Winner will be contacted directly by the Credit Union. Drawing held on Oct. 1, 2025. No purchase necessary. Odds of winning are based on the number of entries received. Must be 18 years of age or older. You may opt out of the giveaway by contacting the Credit Union. To enter without obligation, email rgreggs@toptierfcu.org