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*APR = Annual Percentage Rate. APR shown reflects .25% discount for automatic payment from a Sb1 Federal Credit Union checking or savings account. APR is .25% higher without automatic payment. Promotional rate discounts are subject to change at any time without notice. Cannot be combined with any other offer. Sb1 has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit history. Rates subject to change at any time. Call for details.