PLEASE NOTE EXPIRATION DATES ON INCENTIVES

CUSTOMER REBATES (INCENTIVES)

Manufacturers are aware of models that present problems for dealers to sell. Often these vehicles have been on the dealer’s lot for weeks or months and dealers have excess inventories. The action taken by the manufacturer is to assist the dealer in selling these vehicles by making them more attractive to the consumer from a selling price or low-rate financing.

Although rebates (particularly 0% financing) are advertised and often seem attractive, it is necessary for the consumer to research by comparing the cash rebate versus the low-rate financing offered. Your credit union rate should always be given consideration. And, a credit union loan officer will assist you in outlining the options that are most favorable for you.
Some manufacturers offer cash rebates to the consumer.
Some models have a reduced finance rate offered.
There are also offers that include a combination of reduced rate plus a cash rebate. This will often decrease the cash amount you receive while increasing the finance rate.
Offers can and do change frequently. Always ask the dealer representative of any applicable rebates on the model of your choice.
Rebates are generally for certain models and do not apply to all models from any particular manufacturer.
Your credit rating will dictate the “special finance rate” that you might qualify to receive.
Rebates, when applicable, can be assigned from the purchaser to the dealer and serve as “down payment” on the transaction.
Rebates can be offered in geographical areas while not being offered in other areas.
Look for special rebates which could include military, loyalty (repeat) owner, graduate, repeat buyer or offers for returning lease customers.
Low-rate financing is usually offered for 24, 36 or 48 months only. This can result in a higher monthly payment for the consumer.
Although rebates (particularly 0% financing) are advertised and often seem attractive, it is necessary for the consumer to research by comparing the cash rebate versus the low-rate financing offered. Your credit union rate should always be given consideration. And, a credit union loan officer will assist you in outlining the options that are most favorable for you.

(Updated 02-08-10)
Incentives in this table are a summary of retail programs offered.
All programs may vary by region and model.

LINK TO DEALER INCENTIVES

AMERICAN HONDA MOTOR CO.
Expires March 1.

2010 models
ACURA	Cash Rebate	Finance Rate
RDX, RL, ZDX	---	5.5-5.9%
MDX, TL, TSX	---	1.9-5.9%
HONDA	Cash Rebate	Finance Rate
Accord Crosstour, CR-V, Element, Fit, Insight, Ridgeline	--	5.5-5.9%
Accord, Civic, Odyssey, Pilot	---	0.9-5.9%
2009 models
ACURA	Cash Rebate	Finance Rate
MDX, RDX, RL, TSX, TL	---	1.9-5.9%
HONDA	Cash Rebate	Finance Rate
CR-V, Element, Fit, Ridgeline, S2000	---	5.5-5.9%
Odyssey, Pilot	---	1.9-5.9%
Accord, Civic	---	0.9-5.9%

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BMW
Expires March 1. In lieu of rebates, cut-rate financing is available.

2010 models
BMW	Cash Rebate	Finance Rate
1 series, 7 series, X3, X6	---	2.9-3.9%
3 series, X5,	$0-4,500	2.9-5.9%
5 series, 6 series, M5, M6, Z4	---	2.9%
MINI	Cash Rebate	Finance Rate
Cooper	---	1.9%
2009 models
BMW	Cash Rebate	Finance Rate
3 series, X5	$0-4,500	---
7 series, Z4	---	1.9%
MINI	Cash Rebate	Finance Rate
Cooper	---	0.9%

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CHRYSLER GROUP
Expires March 1. In lieu of rebates, cut-rate financing is available on selected models.

2010 models
CHRYSLER	Cash Rebate	Finance Rate
Town & Country	$1,500	0-1.9%
300	$2,000-3,000	0-5.9%
PT Cruiser, Sebring	$1,500-2,000	0-3.9%
DODGE	Cash Rebate	Finance Rate
Charger	$2,000-3,000	0-6.9%
Avenger, Nitro	$2,000	0-1.9%
Dakota, Journey	$1,500-2,500	0-4.9%
Ram 1500	$1,000-2,500	0-4.9%
Grand Caravan	$1,000-1,500	0-1.9%
Ram 2500/3500	$1,000	1.9-3.9%
JEEP	Cash Rebate	Finance Rate
Commander, Liberty, Grand Cherokee	$2,000-4,000	0-1.9%
Compass, Patriot, Wranger	$750-1,500	0-5.9%
2009 models
DODGE	Cash Rebate	Finance Rate
Viper	---	0-3.9%

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FORD MOTOR COMPANY
Expires March 1. In lieu of rebates, cut-rate financing is available on selected models.

2010 models
FORD	Cash Rebate	Finance Rate
Taurus, Transit Connect	$0-500	0-8.9%
E series (incl. cargo)	$500	0-6.9%
Escape, Mustang	$500-1,000	0-5.9%
Focus, Fusion	$500-1,500	0-7.9%
Edge, Explorer, Ranger	$0-2,500	0-6.9%
Explorer Sport Trac	$1,000-2,500	0.5.9%
Expedition, F-150, Flex	$1500-2,500	0-9.9%
F-250 Super Duty, F-350 Super Duty	$500-4,000	0-6.9%
F-450 Super Duty	---	0-6.9%
2009 models
FORD	Cash Rebate	Finance Rate
E series, F-150	$1,000-3,000	0-6.9%
F-250 Super Duty, F-350 Super Duty, F-450 Super Duty	$2,500-3,500	0-4.9%
LINCOLN	Cash Rebate	Finance Rate
Navigator, Town Car	$6,500-8,000	---

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GENERAL MOTORS
Expires March 1. In lieu of rebates, cut-rate financing is available on selected models.

2010 models
BUICK	Cash Rebate	Finance Rate
Lacrosse	---	3.9-6.9%
Enclave, Lucerne	$1,500-2,000	0-4.9%
CADILLAC	Cash Rebate	Finance Rate
SRX	---	3.9-6.9%
CTS, DTS, Escalde, Escalade ESV, Escalade EXT, STS	---	1.9-4.9%
CHEVROLET	Cash Rebate	Finance Rate
Aveo, Equinox	---	6.9%
Express (incl cargo)	$1,000	4.9-6.9%
Colorado	$1,000	2.9-4.9%
HHR, Traverse	$1,000-1,500	0-6.9%
Silverado 1500 (incl. Hybrid)	$1,500-2,000	0-5.9%
Silverado 2500/3500HD	$2,000	0-5.9%
Avalanche, Cobalt, Impala, Malibu, Suburban, Tahoe (incl. Hybrid)	$2,000	0-4.9%
GMC	Cash Rebate	Finance Rate
Acadia, Canyon	$1,000-1,500	0-4.9%
Terrain	---	6.9%
Savana (incl cargo)	$1,000	4.9-6.9%
Sierra 1500	$1,500-2,000	0-5.9%
Sierra 1500 Hybrid	$2,000	3.9-5.9%
Yukon Hybrid	$2,000	2.9-4.9%
Sierra 2500/3500HD	$2,000	0-5.9%
Yukon, Yukon XL,	$2,000	0-4.9%
HUMMER	Cash Rebate	Finance Rate
H3, H3T	---	5.9%
PONTIAC	Cash Rebate	Finance Rate
Vibe	$3,000	0-1.9%
2009 models
BUICK	Cash Rebate	Finance Rate
Enclave	$2,500	---
LaCrosse, Lucerne	$4,000-4,500	---
CHEVROLET	Cash Rebate	Finance Rate
Avalanche, Impala, Suburban, Tahoe, TrailBlazer	$4,000	---
Aveo	$2,000	---
Colorado	$1,500-2,500	---
Equinox, Express, HHR	$2,500	---
Express cargo, Malibu (incl Hybrid)	$3,000	---
Traverse	$2,500-3,500	---
Cobalt	$3,500	---
Corvette	$0-4,000	---
Silverado 1500	$2,000-4,000	---
Silverado 2500HD, Silverado 3500HD	$3,000-4,000	---
Suburban, Tahoe, TrailBlazer	$4,000	---
GMC	Cash Rebate	Finance Rate
Canyon	$1,500-2,500	--
Acadia, Envoy, Savana (incl. cargo)	$2,500-3,000	---
Sierra 1500	$2,000-4,000	---
Sierra 2500HD, Sierra 3500HD	$3,000-4,000	---
Yukon, Yukon XL	$4,000	---
HUMMER	Cash Rebate	Finance Rate
H2, H2 SUT	---	6.9%
H3T	$5,000	0%
H3	$6,000	0%
PONTIAC	Cash Rebate	Finance Rate
G3, G5, G6, G8, Solstice, Torrent, Vibe	$3,000	0-1.9%
SAAB	Cash Rebate	Finance Rate
9-3, 9-5, 9-7X	$0-8,000	0%
SATURN	Cash Rebate	Finance Rate
Aura, Outlook, Sky, Vue	$4,000	0%

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HYUNDAI-KIA AUTOMOTIVE
Expires March 1.

2010 models
KIA	Cash Rebate	Finance Rate
Optima, Rio, Sportage	$500-1,000	---
2009 models
KIA	Cash Rebate	Finance Rate
Sedona	$500-1,500	---
Rio, Rondo, Sportage	$1,500-2,000	---
Amanti, Borrego, Optima	$3,000	---
Sorento, Spectra	$3,000-5,000	---

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JAGUAR
Expires March 31.

2010 models
JAGUAR	Cash Rebate	Finance Rate
XF series, XK series	---	0.9-3.9%
2009 models
JAGUAR	Cash Rebate	Finance Rate
XF series, XJ series, XK series	---	3.9%

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LAND ROVER
Expires March 31.

2010 models
LAND ROVER	Cash Rebate	Finance Rate
Range Rover Sport	---	1.9-3.9%
LR2, LR4, Range Rover	---	0.9-3.9%
2009 models
LAND ROVER	Cash Rebate	Finance Rate
Range Rover Sport	---	0.9-2.9%
LR2, Range Rover	---	0-1.9%

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MAZDA
Expires March 1. In lieu of rebates, cut-rate financing is available on selected models.

2010 models
MAZDA	Cash Rebate	Finance Rate
RX8	---	3.9-4.9%
Mazda5, Tribute	---	0-4.9%
CX-7, CX-9, Mazda3, Mazda6	---	0-3.9%
2009 models
MAZDA	Cash Rebate	Finance Rate
MadaSpeed3	$750-1,000	---
CX-7, CX-9, Mazda6	---	0-4.9%
Mazda5	---	0.9-4.9%
B series	$2,500	---
RX8	$5,000	2.9-4.9%
MX-5 Miata	$4,500	---
Mazda3, Tribute	$1,000-4,000	1.9-4.9%

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MERCEDES-BENZ
Expires March 1.

2010 models
MERCEDES-BENZ	Cash Rebate	Finance Rate
E class, GL, M class, R class	---	3.9-4.9%
C class, GLK	---	1.9-3.9%

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MITSUBISHI
Expires March 31. In lieu of rebates, cut-rate financing is available.

2010 models
MITSUBISHI	Cash Rebate	Finance Rate
Eclipse, Eclipse Spyder, Outlander	$1,500	0-4.9%
Endeavor, Galant	$2,500-3,500	0-2.9%
Lancer, Lancer Sportback	$1,000	0-4.9%
Lancer, Evolution	---	0-5.9%
2009 models
MITSUBISHI	Cash Rebate	Finance Rate
Galant, Lancer, Outlander	$1,500-2,500	0-4.9%
Raider	$3,000	---
Eclipse, Eclipse Spyder	$3,000	0%

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NISSAN NORTH AMERICA
Expires March 1. Nissan expires March 1, - Infiniti expires March 31. In lieu of rebates, cut-rate financing is available.

2010 models
INFINITI	Cash Rebate	Finance Rate
EX35, FX35, FX50, G37	---	0-4.9%
QX56, M35, M45	---	0-2.9%
NISSAN	Cash Rebate	Finance Rate
Murano, Sentra	$500-1,250	0-3.9%
Rogue, Versa	$0-750	0-3.9%
Altima (incl Hybrid)	$1,000-3,000	0-3.9%
Armada, Titan	$4,000-5,000	0-2.9%
Pathfinder, Xterra	$2,000-2,500	0.9-3.9%
Frontier, Maxima	$1,250-2,000	0-2.9%
2009 models
INFINITI	Cash Rebate	Finance Rate
G37	---	0-3.9%
NISSAN	Cash Rebate	Finance Rate
Murano, Rogue, Versa	$0-1,750	0-1.9%
Maxima, Quest, Sentra	$1,500-3,000	0-2.9%
Altima (incl. Hybrid)	$0-3,750	0-1.9%
Titan	$5,000	0-1.9%

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PORSCHE
Expires March 1.

2010 models
PORSCHE	Cash Rebate	Finance Rate
911, Cayenne	---	2.9%

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SUZUKI
Expires February 28. In lieu of rebates, cut-rate financing is available.

2010 models
SUZUKI	Cash Rebate	Finance Rate
Kizashi	---	3.9%
Grand Vitara, SX4	$1,000-1,500	1.9-5.3%
2009 models
SUZUKI	Cash Rebate	Finance Rate
Grand Vitara, XL7	$2,000-4,000	0-4.9%
Equator, SX4	$1,000-2,500	0-4.9%

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TOYOTA MOTOR SALES
Expires March 1. In lieu of rebates, cut-rate financing is available.

2010 models
LEXUS	Cash Rebate	Finance Rate
ES 350, GS 350, GS 450h, GS 460, HS 250h, IS 250, IS 350	---	2.9%
TOYOTA	Cash Rebate	Finance Rate
Prius, Venza	$0-500	0-3.9%
Camry (excl Hybrid), Corolla	$0-750	0-3.9%
4Runner, FJ Cruiser, Highlander (incl. Hybrid)	$0-1,000	1.9-3.9%
Avalon, Camry Hybrid, Martix, RAV4, Sienna, Tacoma	$0-1,000	0-3.9%
Tundra, Yaris	$0-3,000	0-3.9%
2009 models
TOYOTA	Cash Rebate	Finance Rate
Venza	$0-1,500	0-3.9%

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VOLKSWAGEN OF AMERICA
Expires March 1.

2010 models
AUDI	Cash Rebate	Finance Rate
A3, A4, A5, A6	---	1.9-3.9%
A8, Q5, Q7, S4, R8, TT, TTS	---	2.9-5.2%
VOLKSWAGEN	Cash Rebate	Finance Rate
CC, Jetta, Tiguan, Toureg	---	1.9-2.4%
CTI, Golf, Passat, Routan	---	0-2.9%
2009 models
AUDI	Cash Rebate	Finance Rate
A4, A6	---	0.9-2.9%
S4	---	0.9%
A5, R8, S6, S8	---	1.9-5.2%
A3, A8, Q7, TT, TTS	---	0.9-1.9%
VOLKSWAGEN	Cash Rebate	Finance Rate
Routan	---	0%
CC, Eos, New Beetle, Passet	---	0-1.9%
GLI, GTI, Jetta, Rabbit, Tibuan	---	2.9-4.9%
Touareg	---	0-4.9%

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