*Offer good through September 30, 2025, and subject to change. Loans subject to credit qualifications and approval. Rate will be determined after a credit review and loan term is selected. Six months until first payment feature available to qualified borrowers. Autos being refinanced must be held by another lender. Interest will accrue during the six months until first payment, and will cause a slightly higher payment throughout the life of the loan ($5-$15 per month on a typical size auto loan) depending on the term of your loan, loan amount and rate. There is no penalty for early loan payoff. Waiting six months until first payment is not required. Call 850.488.0035 or 1.800.533.5772 for details about credit costs and terms.

**Borrower may choose to shorten the loan term or reduce their payment. Reduced rates will be based on the posted rate for the original term of the loan. First Commerce will not rate match another lender as part of this program. Loan balance must be greater than $5,000 at the time of rate reduction request. Limit one rate reduction per loan. Must make six months of on-time payments to be eligible. Borrower cannot be overdrawn in their First Commerce checking account or delinquent on any First Commerce loan at time of rate reduction request. Additional eligibility requirements and credit qualifications apply. Visit www.firstcommercecu.org for details. Equal Opportunity Lender.