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 08-30-10)
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 September 7.

2011 models
HONDA	Cash Rebate	Finance Rate
Pilot	---	1.9-2.9%
2010 models
ACURA	Cash Rebate	Finance Rate
MDX, RDX, RL, TL, TSX, ZDX	---	0.9-1.9%
HONDA	Cash Rebate	Finance Rate
CR-V, Element, Odyssey, Pilot	---	1.9-2.9%
Accord, Accord Crosstour, Civic, Fit, Insight, Ridgeline	---	0.9%

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

2011 models
BMW	Cash Rebate	Finance Rate
5 series	---	0.9-3.9%
1 series, 7 series, Active Hybrid 7, M3, X5, M5, X6, M6, Z4	--	0.9-1.9%
3 series, X5	$0-4,500	0.9-4.9%
2010 models
BMW	Cash Rebate	Finance Rate
5 series Gran Turismo	---	0.9-1.9%
6 series, M6, X3	---	0.9%
MINI	Cash Rebate	Finance Rate
Cooper	---	1.9%

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

2011 models
JEEP	Cash Rebate	Finance Rate
Liberty	$1,000	1.9-5.9%
RAM	Cash Rebate	Finance Rate
Ram 1500, 2500	$1,000-1,500	2.9-6.9%
2010 models
CHRYSLER	Cash Rebate	Finance Rate
Town & Country	$1,500	0-1.9%
PT Cruiser	$2,000	0-1.9%
Sebring	$1,500-3,000	0-1.9%
300	$2,000-4,000	0-1.9%
DODGE	Cash Rebate	Finance Rate
Challenger, Grand Caravan	$1,000	1.9-3.9%
Journey	$1,500	0-4.9%
Charger, Dakota	$3,000	0-1.9%
Caliber	$1,000-2,000	0-5.9%
Avenger, Nito	$1,500-2,500	0-1.9%
JEEP	Cash Rebate	Finance Rate
Liberty, Compass, Patriot	$1,500-2,000	0-1.9%
Commander, Grand Cherokee	$4,000-5,000	0-1.9%
Wrangler	---	0-5.9%
RAM	Cash Rebate	Finance Rate
Ram 2500/35000	$1,500	0-3.9%
Ram 1500	$2,000-3,000	0-4.9%

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FORD MOTOR COMPANY
Expires August 31. In lieu of rebates, cut-rate financing is available on selected models.

2011 models
FORD	Cash Rebate	Finance Rate
F-250 Super Duty, F-350 Super Duty, F-450 Super Duty, Focus	$500-1,000	2.9-9.9%
Fiesta, Mustang, Taurus	$0-500	1.9-8.9%
Flex	$1,500	0.9-6.9%
LINCOLN	Cash Rebate	Finance Rate
MKS	$500	2.9-8.9%
MKT	---	2.9-8.9%
2010 models
FORD	Cash Rebate	Finance Rate
F-450 Super Duty	$5,000	0-3.9%
F-250 Super Duty, F-350 Super Duty	$4,000-5,000	0-5.9%
Edge, F-150, Flex	$0-3,000	0-8.9%
Expedition	$1,000-2,500	0-6.9%
Explorer Sport Trac, Mustang, Ranger	$1,000-2,500	0-6.9%
Explorer, Focus, Taurus	$500-2,000	0-6.9%
Fusion, Transit Connect	$500-1,500	0-8.9%
E-series (incl. cargo)	$500-1,500	0-6.9%
Escape	$1000-1,500	0-3.9%
Fusion Hybrid	$0-500	---
LINCOLN	Cash Rebate	Finance Rate
MKT, MKX	$3,000-4,000	0-3.9%
MKS, MKZ, Navigator	$500-2,500	0-6.9%
MERCURY	Cash Rebate	Finance Rate
Milan Hybrid	$0-500	0%
Milan	$1,000	0-3.9%
Mariner, Mountaineer	$1,000-2,000	0-5.9%
Grand Marquis	$3,000	0-7.9%

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GENERAL MOTORS
Expires September 7. In lieu of rebates, cut-rate financing is available on selected models.

2011 models
BUICK	Cash Rebate	Finance Rate
Enclave, Lucerne	$1,500-2,000	3.9-5.9%
LaCrosse, Regal	---	3.9-6.9%
CADILLAC	Cash Rebate	Finance Rate
CTS	---	3.9-5.9%
CHEVROLET	Cash Rebate	Finance Rate
Silverado 1500	$1,500-2,000	3.9-5.9%
Malibu	$1,500	0-5.9%
Traverse	$1,500	2.9-4.9%
Silverado 2500HD/3500HD	$1,500	4.9-6.9%
Tahoe (inc. Hybrid)	$1,000	3.9-5.9%
Impala	$0-1,000	3.9-5.9%
HHR	$0-2,000	2.9-4.9%
GMC	Cash Rebate	Finance Rate
Acadia	$1,500	2.9-4.9%
Sierra 2500HD, Sierra 3500HD	$1,500	4.9-6.9%
Yukon (incl. Hybrid), Yukon XL	$1,000	3.9-5.9%
Sierra 1500	$1,500-2,000	3.9-5.9%
2010 models
BUICK	Cash Rebate	Finance Rate
Enclave	$1,500	1.9-3.9%
Lucerne	$4,000	2.9-4.9%
LaCrosse	---	3.9-4.9%
CADILLAC	Cash Rebate	Finance Rate
CTS, DTS, Escalade (incl. Hybrid), Escalade EXT, ESV, STS, SRX	---	0-2.9%
CHEVROLET	Cash Rebate	Finance Rate
Equinox	---	6.9%
Express, Express Cargo	$2,000	2.9-4.9%
Aveo, Cobalt, Corvette, Malibu, Suburban, Tahoe (incl. Hybrid)	$0-3,000	0-5.9%
HHR, Impala	$0-4,000	0-3.9%
Colorado, Traverse	$1,000-2,500	0-3.9%
Avalanche, Silverado 1500 (incl. Hybrid) Silverado 2500/3500HD	$4,500-5,000	0%
GMC	Cash Rebate	Finance Rate
Terrain	---	6.9%
Savana (incl. Cargo)	$2,000	2.9-4.9%
Acadia, Canyon, Yukon, Yukon Hybrid, Yukon XL	$1,000-3,000	0-3.9%
Sierra 1500	$4,500-5,000	0%
Sierra 1500 Hybrid, Sierra 2500/3500HD	$5,000	0%
HUMMER	Cash Rebate	Finance Rate
H3, H3T	$4,000	0%
SAAB	Cash Rebate	Finance Rate
9-3	---	0-2.9%

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HYUNDAI-KIA AUTOMOTIVE
Expires August 31. Kia expires Aug. 31; Hyundai expires Sept. 30. In lieu of rebates, cut-rate financing is available.

2011 models
HYUNDAI	Cash Rebate	Finance Rate
Sonata	---	2.9-3.9%
Elantra Touring, Tucson	$0-500	3.9-4.9%
KIA	Cash Rebate	Finance Rate
Sorento, Sportage	$0-1,000	0-4.9%
2010 models
HYUNDAI	Cash Rebate	Finance Rate
Accent, Elantra Touring	$500-1,000	3.9-4.9%
Veracruz	$1,500	---
Elantra, Santa Fe	$1,000-1,500	0.9-4.9%
Sonata	$750-2,500	0-4.9%
Genesis, Tucson	$0-500	2.9-3.9%
Azera	$500	---
KIA	Cash Rebate	Finance Rate
Sedona	$1,500-3,000	0-4.9%
Optima, Sportage	$2,500	0-4.9%
Forte, Soul	$0-1,500	0-4.9%
Rio	$1,000	---

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LAND ROVER
Expires September 30.

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

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MAZDA
Expires August 31.

2011 models
MAZDA	Cash Rebate	Finance Rate
Mazda2, Mazda3	---	2.9-4.9%
2010 models
MAZDA	Cash Rebate	Finance Rate
CX-7, CX-9, Mazda3, Mazda5, Mazda6, Tribute, RX-8	---	0-3.9%

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MERCEDES-BENZ
Expires August 31.

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

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

2011 models
MITSUBISHI	Cash Rebate	Finance Rate
Endeavor, Galant	$2,500-3,000	0-4.9%
Eclipse, Eclipse Spyder	$0-1,000	0-1.9%
2010 models
MITSUBISHI	Cash Rebate	Finance Rate
Endeavor, Galant	$3,500-4,000	0-1.9%
Eclipse, Eclipse Spyder	$3,000	0-1.9%
Lancer, Evolution	$1,000	0-4.9%
Outlander	$1,000	0-1.9%
Lancer, Lancer Sportback	$1,500	0-1.9%

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NISSAN NORTH AMERICA
Expires August 31. Nissan expires Aug 31; Infiniti expires Sept 30. In lieu of rebates, cut-rate financing is available.

2011 models
INFINITI	Cash Rebate	Finance Rate
M37, M56, QX56	---	2.9-3.9%
NISSAN	Cash Rebate	Finance Rate
Versa	$0-500	0-1.9%
2010 models
INFINITI	Cash Rebate	Finance Rate
EX35, G37	---	0-3.9%
FX35, FX50, QX56	---	0-2.9%
NISSAN	Cash Rebate	Finance Rate
Frontier, Maxima	$1,250-2,000	0-2.9%
Pathfinder, Xterra	$2,250-2,500	0-2.9%
Altima Hybrid	$0-4,000	0-1.9%
Armada, Titan	$4,000-5,000	0-3.9%
Altima, Cube	$500-1,000	0-2.9%
Murano, Rogue	$500-1,250	0-2.9%
Sentra, Versa	$0-2,000	0-1.9%

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SUBARU
Expires August 31.

2011 models
SUBARU	Cash Rebate	Finance Rate
Legacy, Impreza, Outback	---	2.9-3.9%
2010 models
SUBARU	Cash Rebate	Finance Rate
Impreza, Outback, Tribeca	---	2.9-3.9%
Forester, Legacy	---	1.9-3.9%

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

2010 models
SUZUKI	Cash Rebate	Finance Rate
Kizashi, SX4	$0-1,500	0-2.9%
Equator, Grand Vitara	$1,500-2,000	0-2.9%

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TOYOTA MOTOR SALES
Expires September 7. Toyota expires Aug 31; Lexus expires Sept 7. In lieu of rebates, cut-rate financing is available.

2011 models
TOYOTA	Cash Rebate	Finance Rate
Camry (incl. Hybrid)	$0-1,500	0-1.9%
2010 models
LEXUS	Cash Rebate	Finance Rate
ES 350, HS 250h, IS 250, IS 350	---	1.9-2.9%
TOYOTA	Cash Rebate	Finance Rate
Corolla, Venza	$0-1,500	0-3.9%
Tundra, Yaris	$0-3,000	0-1.9%
Camry (icl. Hybrid)	---	0%
Matrix	$0-1,000	---
Highlander (incl Hybrid), Prius, RAV4, Tacoma	$0-1,000	0-3.9%

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VOLKSWAGEN OF AMERICA
Expires August 31. Volkswagen expires Aug. 31; Audi expires Sept. 6.

2011 models
AUDI	Cash Rebate	Finance Rate
A3, A4, A6, TTS	---	2.9-3.5%
2010 models
AUDI	Cash Rebate	Finance Rate
A3, A5, Q5, R8, S4	---	0.9-5.0%
A4, A6, A8, TT, TTS	---	0.9-1.9%
VOLKSWAGEN	Cash Rebate	Finance Rate
CC, Eos, New Beetle, Passat, Tiguan, Touareg	---	0-1.9%
Routan	---	0%
GTI, Golf, Jetta	---	0-4.2%

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VOLVO
Expires August 31.

2011 models
VOLVO	Cash Rebate	Finance Rate
C30, C70	---	2.9%
2010 models
VOLVO	Cash Rebate	Finance Rate
S40, V50, V70, XC60, XC90	---	0-2.9%
C30, C70, S80, XC70	---	0-0.9%

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