APR = Annual Percentage Rate. All loans, rates, and terms are subject to credit approval, are subject to change at any time, and must comply with Harborstone Credit Union’s lending policies. Not every applicant will qualify. The promotional APR of 5.29% applies only to loans with a 60-month term and a minimum credit score of 740. *Qualified members may receive a 0.50% discount on the rate they would normally qualify for and up to 1.00% cash back on the amount financed (maximum of $500), deposited into their Harborstone savings account within 45 days after the loan is funded. Cash-back rewards may be reported as income, and recipients may receive a 1099-MISC form at year-end. ^†For well-qualified borrowers, payments may be deferred for up to 90 days, and interest will accrue during the deferment period. This special offer applies to auto loans only. Motorcycle, marine, RV, business loan, other secured, and existing Harborstone auto loans are excluded from this promotion. The current APR is listed as the “as low as” rate, effective as of April 15, 2026, and is subject to change without notice. Loans financed with Harborstone Credit Union require a membership share savings account with a minimum deposit of $10. All registered owners must be signers on the loan and are subject to credit approval. Any applicable title and processing fees will be disclosed prior to loan funding. Additional rates and terms are available.

This offer expires on May 31, 2026 at 7 p.m. Payment Example: For a 60-month (5-year) $25,000 auto loan with an interest rate of 5.29%, the APR would be 5.29% with monthly payments of $475.11. Harborstone Credit Union is insured by NCUA.