1,2,3 This offer is not a pre-approval. Offer is valid to Northstar CU members only. Actual rates are based on individual creditworthiness. Not all members will qualify. All applicants must be 18 years or older. Rates, terms and conditions are subject to change. Other restrictions may apply. APR is annual percentage rate. 1Vehicles must be model 2003 or newer. Auto loans currently financed through NorthStar are not available to be refinanced with this offer. Owner is responsible for title fees. Floor is set at 3.99%APR up to 48 months or 4.99% APR up to 72 months on auto loans, or 26.99%APR up to 2 years on unsecured loans, longer terms available. 3Finance up to 85% of the appraised value minus any current mortgage balance. Home Equity Loans are available on 1 to 2 unit owner occupied dwellings. 5.0%APR floor rate. Loan must remain open for 36 months or member will be responsible for reimbursement of processing fee.