*APR=Annual Percentage Rate. Membership eligibility required. Your interest rate and term will be determined by your credit qualifications and make and model of your vehicle. Floor rate of 3.99% APR applies to special refinance offer for autos 2014 and newer year models. Floor rate of 4.99% APR applies to all other collateral loans 2013 and newer. Offer good on all collateral not currently financed with ECFCU. Minimum value to refinance and still qualify for special offer is $5,000. Offer may change or be withdrawn at any time.