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 01-30-12)
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 February 29.

2012 models
HONDA	Cash Rebate	Finance Rate
*Accord Coupe, Accord sedan, Civic coupe, Civic sedan, Crosstour, Fit, Pilot(excludes....Applies to select models only)**	---	0.9-1.9%
2011 models
HONDA	Cash Rebate	Finance Rate
*Accord coupe, Accord sedan, Crosstour, Ridgeline(excludes....Applies to select models only)**	---	0.9%
Odyssey	---	0.9-1.9%

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BMW
Expires January 31. In lieu of rebates, cut-rate financing is available

2012 models
BMW	Cash Rebate	Finance Rate
*X5, X5M(excludes....Applies to select models only)*	---	0.9-1.9%
5 series**(excludes....Applies to select models only)**	---	1.9-3.9%
*3 series, 5 series Gran Tuismo, 6 series, 7 series, M3, X6, X6 M, Z4(excludes....Applies to select models only)**	---	2.9-3.9%
X3	---	3.9-4.9%
MINI	Cash Rebate	Finance Rate
Cooper**(excludes....Applies to select models only)**	---	0%
2011 models
BMW	Cash Rebate	Finance Rate
3 series**(excludes....Applies to select models only)**	$1,500-2,500	0.9-3.9%
M3**(excludes....Applies to select models only)**	$1,500	0.9-4.9%
1 series M**(excludes....Applies to select models only)**	---	3.9-4.9%

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CHRYSLER GROUP
Expires February 29. In lieu of rebates, cut-rate financing is available on selected models.

2012 models
CHRYSLER	Cash Rebate	Finance Rate
Town & Country	$1,000	0-3.9%
DODGE	Cash Rebate	Finance Rate
Durango, Grand Caravan(excludes-AVP)	$1,000	0-3.9%
Caliber	$750	0-5.9%
Charger(excludes-SRT8)	$2,000	0-3.9%
Challenger(excludes-SRT8)	$1,500	0-3.9%
Journey	$500-1,500	0-4.9%
Avenger	$3,000	0%
JEEP	Cash Rebate	Finance Rate
Liberty	$3,000	0-1.9%
Grand Cherokee	$1,000	0-3.9%
Compass, Patriot	$1,000	0-4.9%
Wrangler, Wrangler Unlimited	---	0%
RAM	Cash Rebate	Finance Rate
1500, 2500	$2,500	0-4.9%
3500	$1,500-2,500	0-5.9%
4500, 5500	$1,,500	0-5.9%
2011 models
DODGE	Cash Rebate	Finance Rate
Durango	---	0-1.9%
JEEP	Cash Rebate	Finance Rate
Compass	---	0-1.9%
RAM	Cash Rebate	Finance Rate
3500, 4500, 5500	---	0-3.9%

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FORD MOTOR COMPANY
Expires April 2. In lieu of rebates, cut-rate financing is available on selected models.

2012 models
FORD	Cash Rebate	Finance Rate
Expedition	$3,000	0-1.9%
Mustang	$1,500-3,000	0-3.9%
Super Duty F250, Super Duty F-350, Super Duty F-450	$1,000-3,000	0.9-4.9%
Escape, Flex, Taurus	$2,000	0-1.9%
Fusion	$1,500	0-1.9%
F-150	$1,000-1,500	2.9-6.9%
Focus	$1,000	0-4.9%
Explorer	$1,000	1.9-5.9%
Econoline (incl. cargo), Econoline wagon	$1,000	2.9-6.9%
Fiesta	$500	1.9-5.9%
LINCOLN	Cash Rebate	Finance Rate
Navigator	$3,000	0-1.9%
MKS	$2,500	0-1.9%
MKZ	$1,500	0-1.9%
MKT	$1,000	0-1.9%
MKX	$1,000	1.9-5.9%
2011 models
FORD	Cash Rebate	Finance Rate
Expedition	$3,000	0-1.9%
Ranger	$2,000-3,000	0-1.9%
Taurus	$2,500	0-1.9%
Econoline (incl, cargo), Econoline wagon	$2,500	0.9-4.9%
Escape**(excludes....Applies to select models only)**	$2,000	0-1.9%
F-150**(excludes....Applies to select models only)**	$1,500-2,000	2.9-6.9%
Edge	$1,500	1.9-5.9%
Transit Connet, Transit Connect wagon	$500	4.9-8.9%
LINCOLN	Cash Rebate	Finance Rate
MKX	$1,500	0.9-4.9%
Town Car	$4,000	0.9-4.9%
Navigator	$3,000	0-1.9%
MKS, MKZ	$2,500	0-1.9%

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GENERAL MOTORS
Expires February 29. In lieu of rebates, cut-rate financing is available on selected models.

2012 models
BUICK	Cash Rebate	Finance Rate
Enclave, LaCrosse	$1,500	0-4.9%
Regal	$1,000	1.9-4.9%
Verano	---	3.9-5.9%
CADILLAC	Cash Rebate	Finance Rate
*CTS coupe, CTS sedan, CTS wagon, Escalade, Escalade ESV, Escalade EXT, Escalade Hybrid, SRX(excludes......Applies to select models only)*	---	1.9-4.9%
CHEVROLET	Cash Rebate	Finance Rate
Impala	$3,000	0-3.9%
Avalanche, Malibu	$2,500	0-4.9%
Colorado	$2,000	1.9-4.9%
Silverado 1500, Silverado 1500 Hybrid, Silverado 2500HD, Silverado 3500HD	$2,000	3.9-4.9%
Traverse	$1,500	0-3.9%
Express (incl. cargo), Suburban, Tahoe	$1,000	3.9-4.9%
Cruze, Sonic	---	2.9-4.9%
Equinox	---	2.9-5.9%
Camaro, Corvette	---	3.9-4.9%
GMC	Cash Rebate	Finance Rate
Sierra 1500 Hybrid, Sierra 2500HD, Sierra 3500HD	$2,000	3.9-4.9%
Canyon	$1,000-2,000	1.9-4.9%
Acadia	$1,500	0-3.9%
Savana (incl. Hybrid), Yukon (incl. Hybrid), Yukon XL	$1,000	3.9-4.9%
Terrain	---	2.9-5.9%
2011 models
BUICK	Cash Rebate	Finance Rate
Lucerne	$4,000	0-3.9%
LaCrosse, Regal	$3,000	0-3.9%
Enclave	$2,000	0%
CADILLAC	Cash Rebate	Finance Rate
Escalade, Escalade ESV, Escalade EXT, Escalade Hybrid	$4,000	0%
CTS sedan, CTS wagon, CTS-V coupe, CTS-V sedan, CTS-V wagon	$3,000	0%
SRX	$1,500	0%
CTS coupe (excl. V series)	$1,000	0%
CHEVROLET	Cash Rebate	Finance Rate
Silverado 1500 Hybrid	$4,005	0%
Silverado 1500 (excl. Hybrid)	$3,505-4,005	0%
Avalanche, Impala	$4,000	0%
Suburban Tahoe (incl. Hybrid)	$3,500	0%
*HHR, Malibu(excludes.........Applies to select models only)*	$3,000-3,500	0-3.9%
Malibu	$3,000	0%
Corvette	$3,000	0-2.9%
Colorado	$1,500-3,000	0%
Silverado 2500HD	$2,505	0%
Traverse	$2,000	0%
Express (incl. cargo)	$1,500	0-4.9%
Aveo	$1,500	3.9-5.9%
Cruze	$500	1.9-4.9%
Camaro convertible	---	0%
Equinox	---	2.9-5.9%
Camaro coupe	---	3.9-4.9%
GMC	Cash Rebate	Finance Rate
Sierra 1500 Hybrid	$4,005	0%
Sierra 1500	$3,505-4,005	0%
Yukon (incl. Hybrid), Yukon XL	$3,500	0%
Canyon	$1,500-3,000	0%
Sierra 2500HD	$2,505	0%
Acadia	$2,000	0%
Savana (incl. cargo)	$1,500	0-4.9%
Terrain	---	2.9-5.9%

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HYUNDAI-KIA AUTOMOTIVE
Expires January 31. In lieu of rebates, cut-rate financing is available.

2012 models
HYUNDAI	Cash Rebate	Finance Rate
Veracruz	$500	0.9-3.9%
Santa Fe	$500	1.9-4.9%
Equus, Genesis, Genesis coupe, Sonata	---	0.9-3.9%
Accent, Elantra, Elantra Touring, Tucson, Veloster	---	1.9-4.9%
KIA	Cash Rebate	Finance Rate
Optima, Rio, Soul	---	0.9-2.9%
Sportage	---	1.9-3.9%
Forte	$500	1.9-3.9%
Sorento	$1,000	1.9-3.9%
Sedona	$2,500	1.9-3.9%
2011 models
HYUNDAI	Cash Rebate	Finance Rate
Santa Fe	$1,000	1.9-4.9%
Sonata	---	0-1.9%
Genesis, Genesis coupe,	--	0-2.9%
Equus	---	0.9-3.9%
Elantra, Tucson	---	1.9-4.9%
Veracruz	$1,000	0-2.9%

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JAGUAR LAND ROVER
Expires April 2.

2012 models
JAGUAR	Cash Rebate	Finance Rate
XF, XJ, XK**(excludes....Applies to select models only)**	---	0.9%

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LAND ROVER
Expires April 2.

2012 models
LAND ROVER	Cash Rebate	Finance Rate
LR4, Range Rover, Range Rover Sport**(excludes....Applies to select models only)**	---	1.9%

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MAZDA
Expires January 31. In lieu of rebates, cut-rate financing is available.

2012 models
MAZDA	Cash Rebate	Finance Rate
CX-9, Mazda6	---	0%
Mazda2, Mazda5	---	0.9%
Mazda3	---	1.9%
2011 models
MAZDA	Cash Rebate	Finance Rate
CX-9, Mazda6	$1,000	0%
CX-7, Mazda2, Mazda3	$500-750	0%

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MERCEDES-BENZ
Expires January 31.

2012 models
MERCEDES-BENZ	Cash Rebate	Finance Rate
*C class, E class, GL, GLK, M class, S class**	---	1.9%
SMART	Cash Rebate	Finance Rate
ForTwo	---	0%
2011 models
SMART	Cash Rebate	Finance Rate
For Two	---	2.9%

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

2012 models
MITSUBISHI	Cash Rebate	Finance Rate
Galant	$3,500	0%
*Eclipse, Lancer, Lancer Evolution, Lancer Sportback, Outlander**	---	0%
2011 models
MITSUBISHI	Cash Rebate	Finance Rate
Endeavor	$4,500	0%
Galant	$3,500	0%
Eclipse, Outlander	$1,500-2,000	0%
Lancer	$1,500	0%
Outlander Sport	$1,000	0%

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NISSAN NORTH AMERICA
Expires January 31. In lieu of rebates, cut-rate finacing is available.

2012 models
NISSAN	Cash Rebate	Finance Rate
Rogue	$750	0-0.9%
Versa	---	0-1.9%
Altima, Murano, Pathfinder	$1,500	0.9-2.9%
Quest	$1,250	0-2.9%
Sentra	$1,000	0.1.9%
Xterra	$1,000	0.9-2.9%
Titan	$2,000-3,000	0-2.9%
Frontier	$2,000-2,500	0-1.9%
Armada	$2,000	0.9-2.9%
2011 models
NISSAN	Cash Rebate	Finance Rate
Titan	$5,250	0-0.9%
Titan	$4,250	0-1.9%
Armada	$4,000	0-1.9%
Murano convertible	$3,000	0-1.9%
Maxima, Murano, Pathfinder	$2,500	0-1.9%
Quest, Xterra	$2,000-2,250	0-1.9%
Rogue, Versa	$0-1,500	0-1.9%

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SUBARU
Expires January 31.

2012 models
SUBARU	Cash Rebate	Finance Rate
Forester, Impreza sedan, Impreza sedan WRX, Impreza wagon, Impreza wagon WRX, Legacy, Outback, Tribeca	---	1.9%

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SUZUKI
Expires January 31. In lieu of rebates, cut-rate financing is available.

2012 models
SUZUKI	Cash Rebate	Finance Rate
SX4	$500-1,000	0%
Grand Vitara	$1,000	0%
Equator, Kizashi	$500-750	0%
2011 models
SUZUKI	Cash Rebate	Finance Rate
Equator	$3,000	0-2.9%
Grand Vitara	$1,250	0-2.9%
Kizashi, SX4	$1,000-1,250	0-2.9%

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TOYOTA MOTOR SALES
Expires January 31. In lieu of rebates, cut-rate financing is available.

2012 models
TOYOTA	Cash Rebate	Finance Rate
Tundra*	$2,000-2,250	0%
Highlander(excludes-Hybrid)	$500	1.9%
Avalon, Camry	---	2.9%
2011 models
TOYOTA	Cash Rebate	Finance Rate
Avalon	$1,500	0-1.9%
Venza, RAV4	$500-1,000	0-1.9%
Corolla, Prius	$500-750	0-2.9%

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VOLKSWAGEN OF AMERICA
Expires January 31. Volkswagen expires Jan 31: Audi expires March 1.

2012 models
AUDI	Cash Rebate	Finance Rate
A3, A4, A5, A6, A7, A8, Q5, Q7, S4, S5, TT, TTS*(excludes....Applies to select models only)**	---	1.9-2.9%
VOLKSWAGEN	Cash Rebate	Finance Rate
Tiguan	---	0.9%
CC (excl. VR6 4 Motion), Routan, Toureg	---	0%
Beetle	---	2.9%
Golf (excl. TDI), GTI, Jetta SportWagen(excludes-TDI)	---	1.9%
2011 models
VOLKSWAGEN	Cash Rebate	Finance Rate
*CC, Eos, Golf, GTI, Jetta sedan, Jetta SportWagen, Routan, Tiguan, Touareg(excludes....Applies to select models only)*	---	0%

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VOLVO
Expires February 29.

2012 models
VOLVO	Cash Rebate	Finance Rate
C30, XC60, XC70	---	2.9%
C70, S60, S80	---	0.9%

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