GAP & Extended Warranties: Products and services offered by Third Parties/Affiliates: Any financial, investment, warranty, credit insurance or other products/services which are provided by any third party or affiliate are not products of the Credit Union. If the purchase of the same is facilitated by or through the Credit Union financing; such is merely a convenience to the borrower(s) and in no way creates any contractual or other relationship between the borrower(s) and the Credit Union with regard to any such products. Any rights, obligations or claims with any regard to such products shall be solely and exclusively between the party providing such products as may be set forth in any applicable contracts, agreements or otherwise, and the Credit Union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same.
 Drive Smart Auto Loan - Rates: APR = Annual Percentage Rate. Loans subject to credit approval. Rates may differ depending on borrower creditworthiness and underwriting factors. Rates reflect discount of up to 50 basis points for GAP, Warranty, and all available payment protection products. APR cannot be discounted below 4.74%. Current First Service loans are not eligible for cash offers, complimentary insurance, or other promotions. Purchase of payment protection products is not required.