Build Your Credit, Earn a Lower Rate, 

& Enjoy Your New Ride! 

How the 12welve®Auto Loan Credit Building Program works:


Receive a 1% rate reduction after 12 consecutive on-time monthly payments


Receive an additional 1% rate reduction after 24 consecutive on-time monthly payments


Receive a final additional 1% rate reduction after 36 consecutive on-time monthly payments

That’s up to a 3%* rate reduction just for paying your loan on-time!

Don’t wait – start building your credit and saving on your Auto Loan by applying today!

Give us a call at: (800) 933-3280


*Eligible borrowers will qualify for rate reductions after making 12 consecutive on-time monthly payments. Borrowers will be able to receive a maximum of 3 rate reductions after each 12-month period in which all monthly payments were made as scheduled. Loan amounts up to $25,000. Additional criteria may apply. 12welve is only available for new and used auto loans. 12welve cannot be combined with any other rate discount programs or incentives. Offer is subject to credit approval. Terms and conditions may change without notice. Membership eligibility required. Federally Insured by NCUA. Equal Opportunity and Equal Housing Lender.