DON'T WAIT! DROP YOUR RATE! NEW RATE REDUCTION PROGRAM REFINANCE YOUR NON GCFCU LOAN AND TAKE A CHANCE TO LOWER YOUR RATE BY 2.00% ALL TERMS,RATE, AND CONDITIONS DEPEND ON CREDIT WORTHINESS AND ARE SUBJECT TO CHANGE WITHOUT NOTICE. fEDERALLY iNSURED BY ncua. APPLIES TO QUALIFYING BORROWEERS ON COLLATERAL LOANS REFINANCED FROM OTHER FINANCIAL INSTITUTIONS. EXCLUDES REAL ESTATE. INTEREST RATE FLOORS WILL APPLY.