For a LIMITED TIME - 3.99%* New Auto Special for 2002 and newer models. Rate applies to new purchases and refinances.

* For qualified borrowers.

Loan Schedule                                     Calculators
Rates as of 08/01/04

Credit Union National Association Research

1st Mortgage Loans	Contact CU for Details
* Subject to change. ** For qualified borrowers.
We are an Equal Housing Lender and do business in accordance with the Federal Fair Housing Law and the Equal Opportunity Act. Complete information and full disclosure on any of these programs is available at our office.

Credit Union National Association Research
When is our 5.95% APR better than the dealer's 0% APR?

Research shows that you have to read the fine print. You are faced with the following:

• Most times you must give up the factory rebate to get the dealer's 0% financing.
• Bigger down payments may be required
• Limitations to on-site stock, so your choice of color, style, or options is limited
• Unwanted options are included, adding 10% to 20% to the sticker price
• Penalties and a bigger balance to pay if you decide to pay the loan off early
• Always compare any loan you're thinking about for total cost.
• The best way to pay less is get the best possible price on the sales contract

• Or, you can keep the factory rebate, sometimes up to $3,000 and finance the loan at New Mexico Energy FCU's new, low 4.50% ANNUAL PERCENTAGE RATE for 36 months.