Cash-back loans!

Learn how to get 1% cash back on your auto or RV loan

It's the easiest money you'll ever make: Move your auto, boat, or RV loan to STCU and collect 1% cash back!

For a limited time (until August 31, 2012, to be precise), STCU will pay you to refinance your loan -- often at a lower rate!

That means you could lower your cost of debt AND collect cash for doing it!

This unprecedented offer is good on any non-STCU vehicle loan. (Any car, boat, truck, motorhome, motorcycle, snowmobile, RV, or other vehicles secured by an eligible title should qualify.)

Receiving 1% cash back is no small matter. That's $150 on a $15,000 loan or $500 on a $50,000 loan. As soon as your STCU loan closes, we'll issue you a check or, at your discretion, deposit the money into your STCU checking or saving account. Easy money!

1% cash back on auto and RV loans.
STCU auto loans as low as 2.99% APR; RV loans as low as 4.24% APR.*
No minimum or maximum loan amount.
No maximum limit on the amount of your cash-back payout.
Any non-STCU vehicle loan secured by a qualified title is eligible.
Cash back paid on refinanced balance only.
Loans must be closed and funded before August 31, 2012.

3 quick ways to get cash back

Here are three quick ways to get started with your cash-back loan:

Call the STCU Lending Center in Washington at (509) 326-1954; Idaho, (208) 619-4000; or toll-free at (800) 858-3750. Tell them you want to refinance your auto or RV loan and receive 1% cash back.
Visit your nearest STCU branch location. (To speed up the process, bring your vehicle registration and current loan account information.)
Apply online right now!

Do I have to join STCU?

Yes, one of the best things about giving you money for your loan is that you also get to become part of STCU, a not-for-profit organization of 103,000+ members who help each other with low-cost loans, competitive savings, and financial education. (The other thing is that you'll save money by reducing your overall debt and getting cash back.)

If you live, work, worship, or go to school in Washington or Kootenai or Bonner counties, Idaho, you are eligible to join. And when your new membership begins with an STCU loan, we typically waive the regular membership fee, so joining STCU costs you nothing.

Hurry! This offer ends August 31, 2012!

More about STCU auto and RV loans.

Resources

*Disclosures and tax information

*APR= annual percentage rate. Rates are effective January 1, 2012, and are subject to change.

The stated rate applies to autos and trucks that are 7 years old and newer; and boat and recreational vehicle models 10 years old and newer.

This offer is good for non-STCU loans only and is contingent on meeting STCU’s income and loan-to-value eligibility requirements. Rates and terms depend on the individual creditworthiness of each borrower. Lowest possible rate assumes: (1) Automatic payment through an STCU checking account; (2) Ownership of an STCU Visa® Credit Card by the primary borrower; and (3) Borrower’s creditworthiness. Your rate may be higher.

TAX INFO: You are responsible for all taxes related to any cash-back payments. If you receive more than $600 cash back, STCU will send you a year-end 1099 MISC tax statement. Consult your tax adviser about whether you should report the cash back on your tax return.