All loans are subject to approval and are granted based on individual creditworthiness, the ability to repay and credit score.

¹The .25% rate discount will apply to auto loans that are financed with EdFed between 06/01/2019 and 07/31/2019, subject to a Floor Rate of 2.50%. Offer excludes Beat the Lease loans and refinances of loans currently financed with EdFed, but can be combined with the Summer Skip Program and the 90-day payment deferral.

²The 90-day first payment deferral offer is available on all new auto loans, auto loan refinances, and auto equity loans except Beat-the-Lease loans. Finance charges begin from the date of loan disbursement.

³The Swap & Drop 1% loan rate reduction is available for autos currently financed elsewhere that are refinanced with EdFed. Swap & Drop loan rate reduction is subject to a Floor Rate of 2.50%. Offer excludes Beat the Lease loans, but can be combined with the Summer Skip Program and the 90-day payment deferral.

⁴The .25% rate discount will apply to auto equity loans that are financed or refinanced with EdFed between 06/01/2019 and 07/31/2019, subject to a Floor Rate of 2.50%. Refinances of existing EdFed loans are subject to a minimum $2,000 increase to loan balance. Offer excludes Beat the Lease loans, but can be combined with the Summer Skip Program and the 90-day payment deferral.

⁵No purchase necessary to enter or win. The Drive In & Cruise Away Sweepstakes ("sweepstakes") is open to all accountholders of Educational Federal Credit Union (EdFed) who are 18 or older at the time of entry. Sweepstakes begins at 12:01 a.m. ET on June 1, 2019 and ends at 11:59 p.m. ET on July 31, 2019. You can enter the sweepstakes by completing a sweepstakes entry ticket at any EdFed branch on or before July 31, 2019. Entries are limited to one (1) per accountholder, per branch, per day. Winner will receive Royal Caribbean Cruises Ltd. gift cards totaling $2,500 USD. For full sweepstakes rules, visit www.edfed.org/sweepstakes.