*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. This is not a commitment to lend, and not every applicant will qualify. *The promotional APR of 5.04% applies only to loans with a 60-month term and a minimum credit score of 740.  For other loan terms, qualified members may receive a 0.75% discount on the rates they would normally qualify for. ^†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 promotional APR is based on the effective rate in effect as of July 1, 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 August 31, 2026, at 7 p.m.

Promotional Payment Example: For a 60-month (5-year) $25,000 auto loan with an interest rate of 5.04%, the APR would be 5.04% with monthly payments of $472.24. Harborstone Credit Union is insured by NCUA.