Annual Percentage Rate. Published rate applies to vehicle model years '12 - '15. Rate listed includes a quarter-percent discount for electronic payment and assumes creditworthiness. Other rates and terms may apply. Monthly loan payment example: a $20,000 loan at 1.99% for 60 months, with no additional payment protection, would be $350.49. Rates accurate as of 12/1/2015 and subject to change without notice. Published rates are for new SEFCU loans.