*All loan rates are based upon member’s credit worthiness at the time of application. Low as rate and payments shown above assumes excellent credit for term shown, your actual rate and payment may differ. 2.50% discount is deducted from the rate the member qualifies for and applies to new money loans only. Auto loan payments (new & used) also assumes an LTV of 80% or less (20% or greater deposit). Your actual rate and payment will be disclosed when your application is approved. This is not a guarantee of credit. An application for credit is required. All rates are subject to change without notice. Mortgage loans, Visa credit cards, overdraft LOC, refinanced credit union loans and add ons are excluded from this offer. 5.75% balance transfer rate is for balances transferred from another institution only. Transfers may not exceed the credit line a member is approved for. All purchases and cash advances will be charged at the rate you are approved for. See http://www.egefcu.com for current rates or call the credit union at (914) 946-6200.