*Credit Union membership required. Interest accrues at the time of the loan. Valid through 2/28/2021. Reﬁnancing option does not apply to current PARDA Federal Credit Union loans. Some restrictions may apply. The Annual Percentage Rate (APR) disclosed above is the lowest rate available, which includes a 0.25% discount for having direct deposit with PARDA Federal Credit Union. Rate is based on individual credit history (credit score), term, collateral value and ability to repay (proof of income). APR is subject to change. Payment Example: 2.74% APR for 36 months is $28.97 per $1,000 borrowed. Contact a Credit Union representative for complete details. ** Refinancing option does not apply to current PARDA Federal Credit union loans. Some restrictions may apply.