*APR is Annual Percentage Rate.  Floor rate for 36 month term is 4.75%.  Floor rate for 37-72 month term is 5.00%.  Maximum loan to value is 120% of NAD Clean Retail for qualified borrower and may vary based on your individual credit history.  All loans subject to credit approval.  If we have an interest rate available that is better than your current rate minus 2%, you may be required to utilize additional services to obtain the lowest rate.  APR may increase after closing if any service eligible for a discount is discontinued.  Your actual rate will be based on your credit history, utilization of services and repayment option.  Minimum loan amount is $10,000.  New loans only -- does not apply to loans already with Canyon State CU.  Rates are effective 3/1/10 and subject to change without notice.  Must be a Canyon State Credit Union Member to qualify.  Other restrictions may apply.  Offer ends 5/31/10.  It is possible that some qualified members won't save two full percentage points on their auto refinance because of the floor rates listed above.  In the event we cannot verify the rate you are paying we will offer you the best rate you qualify for under our standard rates.