*Annual Percentage Rate (APR). Rates are fixed and competitive. Financing available up to 125% of the lesser of NADA Retail Value or purchase price, plus tax, title, registration, and eligible warranty costs, for eligible model years 2021-2027 that have never been owned or previously titled. For loan terms of 72 months or longer, a minimum loan amount of $20,000 is required. All loans are subject to credit approval, verification, and underwriting requirements. Rates and terms may vary based on creditworthiness, loan amount, term, collateral, and other factors. Advertised rates include a 0.25% APR discount for automatic loan payments. please review Our Rates. A 0.50% APR discount is available with a new direct deposit relationship and enrollment in eStatements. An additional 0.50% APR discount is available on qualifying hybrid vehicle loans. Discounts may not be combined with other promotional offers unless otherwise stated. Internal refinances of existing First New York Federal Credit Union loans do not qualify. Promotional offers are available for a limited time and may be withdrawn or changed without notice. Any cash bonus or incentive paid in connection with this promotion may be reported as dividends for tax purposes. Membership at First New York Federal Credit Union is required. First New York Federal Credit Union employees are not eligible.

**Annual Percentage Yield (APY) is accurate as of September 22, 2026, and assumes that dividends remain on deposit until maturity. Early withdrawal penalties may apply and could reduce earnings. Dividends are compounded monthly. Fees may reduce earnings on the account. For a complete schedule of fees, please review our Fee Schedule. Minimum opening deposit is $500 for Share Certificates and $250 for IRA Certificates. A 0.50% APY bonus is available on a qualifying 12-Month Share Certificate when the member opens a qualifying new auto loan, establishes a new direct deposit relationship, and enrolls in eStatements. Bonus APY offers are not available on IRA Certificates. Rates are set weekly, are subject to change without notice, and may change after account opening for new certificate offerings. Unless otherwise stated, certificates automatically renew at maturity for the same term at the rate then in effect. Membership at First New York Federal Credit Union is required. Promotional offers may be modified or discontinued without notice. Any cash bonus or incentive paid in connection with this promotion may be reported as dividends for tax purposes. First New York Federal Credit Union employees are not eligible.

***Membership eligibility required. Federally insured by NCUA. Equal Housing Opportunity. NMLS #477178. Promotions and rates are subject to change without notice. Other restrictions may apply.