Auto Refinance

¹ APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications. Minimum rate offered is 7.00%, regardless of your current loan rate. Maximum payment example: $60,000 for 72 months at 7.00% APR equals payments of $1,023.07 per month. Certain restrictions apply. Cannot be combined with any other discounts. Vehicle must be model year 2018 or newer. Does not apply to current Democracy FCU auto loans. Promotion expires 12/31/25.

*These products are optional. Insurance products are not a deposit or obligation of or guaranteed by Democracy FCU or its affiliates. These products are not underwritten, issued, insured, or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of these insurance products. You may choose to obtain insurance from an entity not affiliated with Democracy FCU.

²Offer valid for accountholder referenced on postcard. To enter to win a $50 Amazon Gift Card, accountholder must finance a new auto loan with Democracy FCU between 9/15/2025 and 12/15/2025. Auto loans will be tracked by Democracy FCU. Five winners will each receive a $50 Amazon Gift Card. Odds of winning depend on the number of eligible entries received. Winners will be selected via random drawing. The earned promotion redemption code and instructions will be issued and mailed to the five winners 4-6 weeks after the offer period ends. Selected accountholder is limited to qualifying for one accountholder-selected gift card redemption code. Redemption code will expire 75 days from issuance. One redemption code equals one $50 Amazon Gift Card. This promotion is subject to change or cancel at any time without notice.The listed merchants are neither affiliated with Democracy Federal Credit Union nor are the listed merchants considered sponsors or co-sponsors of this program. Uses of merchant names and/or logos are by permission and all trademarks are the property of their respective owners. Please see the merchant gift card/certificate for additional terms and conditions which may apply and which may change at merchant’s sole discretion.See gift cards for details, terms, conditions and (if applicable) fees. Merchants are not liable for any actual or alleged claims related to this offer. Democracy Federal Credit Union may only distribute the Gift Cards/Claim Codes to recipients on a promotional basis as part of a customer incentive program.Restrictions apply, see amazon.com/gc-legal.Subject to availability. This offer may be taxable as income subject to IRS reporting. Please consult your tax advisor. Product may not be available in all states. Additional Terms and Conditions may apply.