Introducing 1% Cash Back
on Your Auto Loan and More
We care, and want to offer you 1% Cash Back at CrossRoads
Financial Federal Credit Union on your Auto Loan or Truck
Loan and much more. If it has a title, your loan qualifies.
Use 1% Cash Back to meet your Motorcyle, Boat, RV, and
other Recreational Vehicle needs.
An offer this good only
comes from your Credit Union. You can purchase a better
vehicle or save money by paying
off your existing loan at another financial institution.
1% Cash Back at CrossRoads puts money back into your
wallet! Call your local credit union office for more information
or to make an appointment or apply online.
more information for members who like to shop around:
1% benefit brings value beyond what you see at first.
You’re smart shoppers and might find a rate a bit
lower than what you’re offered at CrossRoads. If
it were only a matter of rates you’d be wise to
consider those other options. But take a closer look at
why you might want to think twice before jumping for the
This example shows Mary and Joe Smith shopping
for a used SUV to replace their old vehicle. They need
loan for a 5 year (60 month) term. The rate they were
offered at Bank ABC is 3.39% APR. At CrossRoads the same
loan comes with a rate of 4.38% APR, local loan officers
and local decision making, and a 1% cash back offer. One
percent cash back means CrossRoads puts $130 right back
into Mary and Joe’s wallet.
The breakdown on choices for Mary and Joe looks like
||$13,000 over 5 years at 3.39% APR* =
$236.22 per month
||$13,000 over 5 years at 4.38% APR* = $242.13 per
month and 1% cash back
That’s a difference
of only $.20 per day between the monthly loan payments
and you receive $130 cash back
So which option is best for you? Ask yourself:
- Do I prefer
cash back now or a much smaller amount over a longer time?
I use that “instant reward” for other
The lower rate option would save you
20 cents per day in payments. But the cash back option
would pay you $130
up front with no need to wait on the savings over the
life of the loan. If you’re ready to pursue a loan
to upgrade your vehicle or purchase that new recreational
vehicle, get your 1% cash back loan at CrossRoads.
Call your local loan
officer or branch manager to
schedule an appointment
for your auto loan
*Offer valid on new money vehicle loans including auto,
truck, RV/camper, boats and personal watercraft, motorcycle,
ATV, and snowmobile or refinances of same from another
financial institution. If refinancing an existing CrossRoads
loan, a minimum of $5,000 new money is required to get
the cash back. Only new money is valid for the 1% cash
back. Rebate will be credited to member within 30 days
of loan closing. Loan must remain at CrossRoads for a
minimum of 180 days (6 months) or rebate amount will be
added to the loan upon payoff. No other rate discounts
apply. Minimum loan amount of $5,000. Maximum cash back
of $500 per loan. CrossRoads reserves the right to modify
or cancel offer at any time. *APR=Annual Percentage Rate.
Rates based on borrower credit history , vehicle age,
loan amount and length of term. A $75 processing fee applies
to all auto and recreational vehicle loans.