Annual percentage rate and other important program information: *APR = annual percentage rate. The promotional APR of 3.99% applies only to loans with a 36‑month term and a minimum credit score of 740. The rate is fixed. All loans are subject to Harborstone Credit Union lending policies. Your rate is based on predetermined credit criteria from a credit reporting agency and may change based on the year, mileage, and condition of the vehicle. Income, debt ratio, employment, and creditworthiness may be considered before the loan is funded. The current APR listed is the “as low as” rate as of March 1, 2026 and is subject to change without notice. Loans financed with Harborstone Credit Union will require a membership share savings with a minimum deposit of $10. All registered owners are required to be signers on the loan and are subject to approval of credit. Title transfer fees are estimated to be $21 in Washington State. We will advise you on any title fees before we fund the loan. Other rates and terms are available. The minimum loan amount is $5,000. This offer is valid on new loans only. All offers expire March 31, 2026 at 7:00pm. Payment example: On a $25,000 auto loan at 6.59% APR for 72 months, you would make 72 payments of $421.32. Harborstone Credit Union is insured by NCUA. Harborstone Credit Union mailing address: P.O. Box 4207, Tacoma, WA 98438-0207.