*APR = Annual Percentage Rate. Rate is effective as of 2/1/2022. Rate is based on a 24-month/36-month new or used Auto Loan. Subject to credit approval. Rates are based on credit history. Your rate may be higher than the quoted rate. Rates are subject to change without notice. Preferred borrower rates apply. Offer not available for existing American Spirit FCU Auto Loans. Membership eligibility required.