*The 0.50% discount is based on the rate that you would normally qualify for at FCCU. Offer does not apply to existing FCCU loans, credit cards, commercial, business, and mortgage loans do not qualify for 0.50% discount. Discount does not apply to promotional loan rates. After all discounts are applied, loan rate cannot fall below 2.19% APR. Promotion valid if loan closes before 2/2/18.