*Loans already financed at Firelands FCU do not qualify. Must be from a different financial institution. ** Refinance is based on your current rate. Lowest rate possible is 4.99%. Proof of positive payment history may be required. Term of refinanced loan to match existing loan maturity date, not to exceed 84 months. Subject to credit approval and membership eligibility. At least 6 months positive payment history required. Other terms and conditions apply. Offer expires 1/31/2024.