River Valley Credit Union - Dayton, Ohio Local Credit Union

SUMMER STARTS WITH SAVINGS

Refinance your auto loan and keep more money in your pocket

as low as 3.99% APR ^*
ends 06/31

*3.99% APR = Annual Percentage Rate. Promotional rate valid on model years 2023 and newer with fewer than 100,000 miles. Refinance of current River Valley Credit Union loans does not qualify for promotional rate. A $20,000 loan amount with $125 processing fee will result in 48 monthly payments of $451.51, if first payment is made within 30 days. Subject to application and credit approval. Rates subject to change. Not every member will qualify for the lowest rate and/or longest term. Other rates, terms, payments and loan amounts are available. Rate may vary depending on each individual’s credit history and underwriting factors. Loans must be closed with a River Valley associate. Offer valid 6/1/2026-6/30/2026.

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Rate as low as 5.35% APR. APR = Annual Percentage Rate. For qualified borrowers refinancing owner-occupied primary residences only. 15–30-year fixed-rate terms available; max 80% LTV. Excludes vacation/second homes, investment properties, and existing River Valley Credit Union mortgage loans. Promotion valid 1/30/26–4/30/26. Example: $100,000 loan—30-yr at 5.29% = $554.68/month principal and interest, APR 5.35%, estimated closing costs $1,487; 15-yr at 5.29% = $805.98/month principal and interest, APR 5.36%, estimated closing costs $685. Rates, APRs, estimated payments, and closing costs shown are for example purposes only and may vary based on creditworthiness, loan amount, property value, and other factors. Rates and terms are subject to change. Property insurance required. Flood insurance may be required. Subject to acceptable property appraisal, title search, approval, and additional restrictions.

*6.00% annual percentage yield (APY) bonus dividend is valid for six-month and/or 12-month certificates. Members must have direct deposit of at least $1,000 into a River Valley Credit Union checking account each month, all accounts must be kept in good standing, and all accounts must be enrolled in e-statements. Provided that qualifications for the previous month are met on the first day of each current month, bonus dividend will be posted to the certificate account on the anniversary date of the current month as an adjustment. Dividend adjustment will not be made for months when qualifications are not met. Other restrictions may apply. Other rates and terms available. See credit union for full disclosure. New funds only with a minimum opening deposit of $1,000 and a maximum of $25,000 per member/ssn. Offer valid 6/1/26 through 6/30/26.