*APR = Annual Percentage Rate. Your actual rate may vary and will be determined at the time of disbursement, based on your credit worthiness, term, collateral and loan program. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history and eligibility for membership and relationship discounts per TFCU’s rate sheet. This is not a firm offer of credit. You will need to submit a credit application for loan consideration. All applications are subject to approval. Any savings shown above is a reduction in your monthly payment and not necessarily a reduction in the finance charges assessed over the life of your loan. All savings are estimates and your actual savings will depend on the terms on which you refinance. Other conditions may apply. Rates are subject to change at any time.