*APR=Annual Percentage Rate. Interest rate and term are based on your credit qualifications. This offer is not available on loans already financed by PFCU. Lowest available rate of 2.99% APR applies to this special refinance offer. Interest will continue to accrue during deferral period. Your loan must book directly with PFCU in order to get special deferral offer. Membership eligibility is required. **Example savings of $2,640 is based on financing $32,000 for 60 months with a 3% rate reduction from 5.99% APR to 2.99% APR. Actual savings will be based on your specific loan details.