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Subject to credit approval. Membership qualification required. Rates based on past credit history. The rate reduction offered is based on a .25% discount for having a checking account and debit card and will be used to calculate the final Annual Percentage Rate (APR) to be assigned to a new loan. Does not apply to loans already financed with CMCU. Offer available through June 15, 2017. Rates subject to change without notice. Other restrictions apply. Ask for details.