*Offer available from 10/1/2025 to 11/30/2025. Refinance loans only. Current KeyPoint auto loans are not eligible. The amount of cash back is calculated by multiplying the loan amount by 1% (For example, $30,000 X 1% = $300). The maximum amount of cash back is $500. Maximum loan amount may be limited based on the vehicle’s value and your creditworthiness. Member must have or open a KeyPoint Membership Savings account. Cash back will be deposited into a KeyPoint account upon loan funding. Loans must be funded by 12/15/2025. KeyPoint complies with tax reporting requirements on incentive payouts. **All loans and terms are subject to credit approval. Rate shown for model years 2018 - 2024 with 5,000 miles or more. Higher rates apply to loans approved on older vehicles. Rate is based on credit worthiness and other factors and may be higher than the rate shown. Rates and terms subject to change without notice. Payment example: $44.09 per month per $1,000 borrowed at 5.49% APR for 24 months.