3 1.99% Annual Percentage Rate (APR) is effective Tuesday, September 10, 2013 and is for qualified buyers subject to credit approval for new vehicle purchase or refinance of model years 2006 and newer. The loan must be a NEW loan to ACCU; refinance of existing ACCU vehicle loans are not eligible. Indirect and Rate Genius loans are eligible. Arizona Central Credit Union membership required. This offer may be withdrawn at any time and rates may change without notice. Central Points discount and Healthy Start Auto Loan do not qualify with this offer. Federally insured by NCUA.