These limited-time offers are effective starting March 1, 2026, and are subject to credit approval and underwriting guidelines. This promotion applies to secured-title consumer loans only (including autos, RVs, boats, motorcycles, and ATV/UTVs). A minimum refinance amount of $10,000 is required from another financial institution; existing TrueCore loans are not eligible. All loans must be current and in good standing. Members may choose either the 1% rate discount (subject to a floor rate of 4.74%) OR the 1% cashback option (capped at $1,000); offers cannot be combined. Terms and conditions are subject to change without notice.