*APR = Annual Percentage Rate. Subject to complete application and approval. Tyndall members or non-members who refinance or purchase a new or used auto loan can receive rates as low as 3.25% APR and as high as 5.07% APR. Must set up Paperless Statements on all memberships to qualify. Promotional offer begins July 1, 2025; this is a limited-time offer and may be discontinued at any time without notice. Offer does not apply to existing Tyndall loans or internal refinances unless taking 30% or more cash out. Ask for specific rate details. Qualifying interest rate, term, and loan-to-value (LTV) are based on creditworthiness and may be affected by a vehicle’s model year and/or mileage. Vehicle model year must be 2015 or newer. Loan term must be 48-84 months. Limitations on minimum and maximum loan terms apply. Minimum amount financed is $15,000. Offer subject to change. Other restrictions may apply. Only one promotional offer may be applied per loan. The payment amount per $1,000 on an Auto Loan originated at 4.23% APR for 60 months would be $18.56. The payment amount per $1,000 on an Auto Loan originated at 4.58% APR for 75 months would be $15.39. The payment amount per $1,000 on an Auto Loan originated at 5.07% APR for 84 months would be $14.20. Membership required; NO membership fee applies.

**Subject to approval. All loans must be current to qualify. Must have made the previous month's payment before skipping a payment. A loan’s first payment is not eligible for Skip-a-Payment. Eligible loans can be skipped up to 10 days after the due date. However, if automatic payments are set from a non-Tyndall Financial Institution, your loan is skip-eligible 10 days before the payment due date. If you choose to skip a payment, interest will continue to accrue on your loan and it will take longer to repay the loan. On each eligible Tyndall loan, you may only skip a loan payment two (2) times per year, even though the Skip-a-Payment program is offered year-round. If you booked your loan under a 90 Days No Payments promotion, the loan is ineligible to be skipped until after the initial 12 payments have been made. If you have elected GAP coverage, you may only skip a payment six (6) times per contract. Your accounts and loans must be in good standing in order for you to be eligible for the Skip-a-Payment program. Membership may not show a bankruptcy on file. Membership required; NO membership fee applies.

GAP is not insurance; it is an optional debt cancellation product. GAP will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP Fee to the amount financed under your contract will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP purchased from state-chartered credit unions in FL, GA, IA, IN, UT, VT, and WI may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you purchase a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state-chartered credit unions in CO, MO or SC may be canceled at any time during the loan and receive a refund of the unearned fee.

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