*Annual Percentage Rate. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. Current Quantum loans do not apply. Offer applies to direct auto loans only. Interest will accrue during Introductory 90 day no payment period. All loans subject to approval. Cash Back will be deposited in member’s primary Quantum share account and available for immediate withdrawal. Loan must be approved and closed to receive cash back. Cash back is considered interest and is reportable on IRS Form 1099-INT. $100 will be added to the loan payoff if loan is paid off or transferred in the first 12 months. Quantum membership is required. Other restrictions may apply.