APR=Annual Percentage Rate. Payment sample: $12,500 loan with 60 month term at 5.74% APR, resulting in a monthly payment of $240.15. Rates shown include 0.25% discount for automatic payment from an FPCU checking or savings account. Rates shown are for highly qualified borrowers; rate received may be different based on credit history. Loans subject to borrower qualification, not all applicants may be approved. Fees and charges may apply. Rates as of 1/18/2019 and are subject to change without notice. Conditions, restrictions, and terms may apply.