Reduce your loan interest rate

I am a member of Affinity Plus credit union, I would highly recommend this to others. The people are friendly and always helpful.

Recently, Affinity Plus initiated a Participation Rewards program. With it, you get points for using your debit, having an electronic deposit, etc. Then, you can use the points to lower your interest rate on existing loans. I just did this and found out that I also had a one-time option to renegotiate my interest rate. In three days, I went from a 6.75 interest rate on my car loan to 4.75 percent. Gotta love that!