HCPS EMPLOYEES, This One's For You. 4.99 APR* AUTO REFINANCE No Payment For 90 Days Refinance your auto loan and keep more of your money working for you. REFINANCE NOW ^Interest accrues during the 90-day no payment period. 4.99% Annual Percentage Rate (APR) is effective as of 03/01/2026 for terms up to 84 months. An 84-month loan with a 4.99% APR would have a monthly payment of $14.14 per thousand dollars borrowed. Approval is based on individual applicant's creditworthiness, year, make, model and mileage of vehicle. Not all will qualify. This offer applies only to auto loan refinances from other financial institutions: existing Floridacentral loans are not eligible. Refinance requests involving change in ownership are excluded. This offer cannot be combined with other promotions. Membership eligibility required. This offer subject to change or end without notice..