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 03-08-10)
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 May 3.

2010 models
ACURA	Cash Rebate	Finance Rate
RDX, RL, ZDX	---	5.5-6.0%
MDX, TL, TSX	---	1.9-6.0%
HONDA	Cash Rebate	Finance Rate
CR-V, Element, Insight	---	5.5-6.0%
Odyssey, Ridgeline	---	1.9-6.0%
Accord, Accord Crosstour, Civic, Fix, Pilot	---	0.9-6.0%
2009 models
ACURA	Cash Rebate	Finance Rate
MDX, RDX, RL, TL, TSX	---	5.5-6.0%
HONDA	Cash Rebate	Finance Rate
Accord, Civic	---	0.9-6.0%
CR-V, Element, Fit, Odyssey, Pilot, Ridgeline, S2000	---	5.5-6.0%

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BMW
Expires April 30. In lieu of rebates, cut-rate financing is available.

2010 models
BMW	Cash Rebate	Finance Rate
5 sries, 6 series, M5, M6, Z4	---	2.9-5.9%
1 series, 7 series, M3, X3, X6	---	0.9-3.9%
3 series, X5	$0-4,500	0.9-4.9%
MINI	Cash Rebate	Finance Rate
Cooper	---	1.9-3.9%

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CHRYSLER GROUP
Expires April 30. In lieu of rebates, cut-rate financing is available on selected models.

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

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FORD MOTOR COMPANY
Expires April 5. In lieu of rebates, cut-rate financing is available on selected models.

2010 models
FORD	Cash Rebate	Finance Rate
Mustang	$500-2,000	0-5.9%
Explorer	$2,000	0-5.9%
Edge	$0-2,500	0-3.9%
Explorer, Sport Trac	$1,000-2,500	0-5.9%
F-150, Flex	$1,500-2,500	0-10.9%
Expedition, Ranger	$1,000-3,000	0-5.9%
F-350 Super Duty, F-450 Super Duty	$2,000-4,000	0-8.9%
F-250 Super Duty	$3,000-4,000	0-6.9%
Focus, Fusion	$500-1,500	0-7.9%
Taurus	$0-500	0-7.9%
Transit Connect	$500	0-8.9%
E series (incl. cargo)	$500	0-6.9%
Escape	$500-1,000	0-5.9%
LINCOLN	Cash Rebate	Finance Rate
MKX	$3,000	0-3.9%
MKS	$500-1,500	0-7.9%
MKZ	$1,000-2,500	0-5.9%
Town Car	$2,000-2,500	0-8.9%
MKT	$0-500	0-7.9%
Navigator	$3,000-4,000	0-5.9%
MERCURY	Cash Rebate	Finance Rate
Mountaineer	$2,000-2,500	0-5.9%
Grand Marquis	$3,000-3,500	0-7.9%
Milan	$1,000-1,500	0-7.9%
Mariner	$500-1,500	0-5.9%

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GENERAL MOTORS
Expires March 31. In lieu of rebates, cut-rate financing is available on selected models.

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

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

2011 models
KIA	Cash Rebate	Finance Rate
Sorrento	$1,000	0-4.9%
2010 models
KIA	Cash Rebate	Finance Rate
Rio	$500	---
Sedona, Sportage	$500-1,000	---
Forte, Soul	$0-1,000	0-4.9%
Optima	$1,000	---
2009 models
KIA	Cash Rebate	Finance Rate
Spectra	$3,000-3,500	---
Sorento	$5,000	---
Sedona	$2,000-2,500	---
Rio, Rondo, Sportage	$2,000	---
Amanti, Borrego, Optima	$3,000	---

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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 31. In lieu of rebates, cut-rate financing is available on selected models.

2010 models
MAZDA	Cash Rebate	Finance Rate
Mazda5, RX8	---	0.9-4.9%
CX7, Tribute	---	0-3.9%
CX-9, Mazda3, Mazda6	---	0-2.9%
2009 models
MAZDA	Cash Rebate	Finance Rate
RX8, Tribute (excl. Hybrid)	$1,000-5,500	1.9-4.9%
MX-5, Miata	$5,500	---
B series, Tribute Hybrid	$2,500-4,000	---
Mazda5	---	0.9-4.9%
CX-7, CX-9, Mazda6	---	0-4.9%
MazdaSpeed3	$750-1,000	---
Mazda3	$1,500-2,000	1.9-4.9%

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MERCEDES-BENZ
Expires March 31.

2010 models
MERCEDES-BENZ	Cash Rebate	Finance Rate
GL, M class, R class, S class	---	1.9-4.9%
E-class, GLK, SLK	---	1.9-3.9%
C class	---	1.9-2.9%

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

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

2011 models
INFINITI	Cash Rebate	Finance Rate
M37, M56	---	2.9-3.9%
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
Altima (incl Hybrid)	$0-3,000	0-3.9%
Armada, Titan	$4,000-5,000	0-2.9%
Pathfinder, Xterra	$2,000-2,500	0-3.9%
Frontier, Maxima	$1,250-2,000	0-2.9%
Murano	$500-1,250	0-3.9%
Rogue, Sentra, Versa	$0-1,250	0-3.9%
2009 models
INFINITI	Cash Rebate	Finance Rate
G37	---	0-3.9%
NISSAN	Cash Rebate	Finance Rate
Maxima, Sentra	$1,500-2,000	0-1.9%
Versa	$0-1,750	0%
Murano, Rouge	$1,250	0-3.9%
Quest	$3,000	---
Altima (incl. Hybrid)	$0-3,750	0-1.9%
Titan	$5,000	0-1.9%

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PORSCHE
Expires March 31.

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

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

2010 models
SUZUKI	Cash Rebate	Finance Rate
SX4	$1,000-1,500	1.9-4.9%
Grand Vitara, Kizashi	$0-1,500	0-4.9%
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 31. Lexus expires March 31: Toyota expires April 5: In lieu of rebates, cut-rate financing is available.

2010 models
LEXUS	Cash Rebate	Finance Rate
ES350, GS350, GS 450h, GS 460, HS 250h, IS 250, IS 350	---	2.9%
TOYOTA	Cash Rebate	Finance Rate
Avalon, Sienna, Tundra,	$0-3,000	0-3.9%
Camry Hybrid	$0-1,000	0-2.9%
Camry (incl. Hybrid), Corolia, Highlander (incl. Hybrid) Matrix, RAV4	$0-1,000	0%
Yaris	$1,000	0%
Venza	$0-750	0-3.9%
Prius	$0-750	0-2.9%
Tacoma	$0-1,000	0-3.9%
2009 models
TOYOTA	Cash Rebate	Finance Rate
Venza	$0-1,500	0-2.9%

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VOLKSWAGEN OF AMERICA
Expires March 31. Volkswagen expires March 31, Audi expires May 3.

2010 models
AUDI	Cash Rebate	Finance Rate
A8, Q5, Q7, R8, S4	---	2.9-5.0%
A3, A4, A6, TT, TTS	---	1.9-2.9%
VOLKSWAGEN	Cash Rebate	Finance Rate
CC, Golf, GTI, Jetta, Tiguan, Touareg	---	1.9-2.9%
Passat, Routan	---	0-2.4%
2009 models
AUDI	Cash Rebate	Finance Rate
R8	---	4.0-5.0%
VOLKSWAGEN	Cash Rebate	Finance Rate
GLI, GTI, Jetta, Rabbit, Tiguan	---	2.9-4.9%
CC, Passat, Routan. Touareg	---	0-4.9%
Eos, New Beetle	---	0%

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VOLVO
Expires March 31.

2010 models
VOLVO	Cash Rebate	Finance Rate
C30, S40, V50, XC60, XC90	---	2.9-3.9%
C70, S80, V70, XC70	---	0-0.9%

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