Your Vehicle May Be the Same. Your Loan Doesn't Have to Be.
Your Vehicle May Be the Same. Your Loan Doesn't Have to Be.
Staff Guide – 2026 Winter Auto Loan Promotion
We are officially launching our Winter Auto Loan Promotion! This campaign encourages members to take another look at their existing auto loans and discover whether refinancing with Beach Municipal FCU could help them secure a better rate, lower their payment, or gain greater financial flexibility.
Our primary focus is helping members who currently finance their vehicles through another financial institution. However, the promotion is also available to members purchasing a new or used vehicle.
From November through December, members can choose between 90 days with no payments or an additional 0.50% APR discount when they take an eligible auto loan with Beach Municipal FCU. Qualifying members with our existing service bundle could receive up to 1.00% in total APR discounts.
We need your help to bring this campaign to life by identifying opportunities to start conversations about refinancing, educating members about their options, and reminding them that their current vehicle loan may be worth a second look.
Campaign Overview
This campaign uses digital, social, email, and in-branch marketing to encourage members to review their existing auto financing before the end of the year.
Rather than promoting a traditional holiday car sale, we want members to think about their current financial situation and whether their auto loan still meets their needs.
Our message is simple: Your vehicle may be the same. Your loan doesn't have to be.
Campaign Target
Our primary audiences include:
- Members With Auto Loans at Other Financial Institutions: Our primary audience. Encourage members to explore whether refinancing could help them secure a better rate, lower their payment, or improve their financial flexibility.
- Members Whose Credit Has Improved: A change in credit or financial circumstances may make it worthwhile to review their current loan and explore their options.
- Members Looking to Reduce Expenses: Members concerned about monthly expenses may benefit from reviewing their existing auto loan and considering whether refinancing makes sense.
- Members Shopping for a Vehicle: Encourage members purchasing a new or used vehicle to explore their financing options and get pre-approved before visiting the dealership.
The Offer
During the promotional period, members who take an eligible auto loan with Beach Municipal FCU may choose between two promotional options:
Option 1: 90-Day Payment Relief
No payments for 90 days, subject to applicable terms and conditions.
OR
Option 2: Additional 0.50% APR Discount
An additional 0.50% APR discount off the rate for which the member qualifies during the promotion.
Additional Savings With Our Service Bundle
Members who qualify for our existing 0.50% service-bundle discount may receive an additional 0.50% promotional APR discount, for up to 1.00% in total APR discounts.
The final rate is subject to the applicable 2.75% APR rate floor, underwriting guidelines, and all applicable terms and conditions.
Important messaging reminder: Do not say, “Get 1% off your auto loan.” Instead, say, “Qualifying members with our service bundle could receive up to 1.00% in total APR discounts.”
Members choose between the 90-day no-payment option and the additional promotional APR discount. Do not present these as two benefits a member automatically receives together.
*******SPECIAL ENTERPRISE OFFER*********
If the member....
Purchases a vehicle from Enterprise in NOVEMBER: We will make their first payment up to $300.
Purchases a vehicle form Enterprise in DECEMBER and has a trade-in, they will receive KBB+$500
Promotion Strategies
The main goals of this promotion are to:
- Increase Auto Refinancing: Encourage members to refinance existing auto loans held at other financial institutions. This is our primary campaign objective.
- Help Members Explore Potential Savings: Encourage members to compare their current financing with the options available through Beach Municipal FCU.
- Promote Payment Flexibility: Highlight the choice between 90 days with no payments and an additional 0.50% APR discount.
- Encourage Service-Bundle Participation: Explain how qualifying members with our existing service bundle could receive up to 1.00% in total APR discounts.
- Support Vehicle Purchases: Remind members that the promotion is also available when financing a new or used vehicle with us.
- Promote Financial Wellness: Help members make informed decisions about their auto loans and monthly expenses.
Campaign Timeframe
The promotional period runs from November 1 – December 31, 2026.
Marketing Channels & Materials
Look for these materials to help you start the conversation:
- In-Branch: Promotional signage, teller receipt messages, and Works24 TV ads.
- Digital: Website landing page, homepage banners, Virtual Branch messaging, and digital advertising.
- Direct: Three targeted email communications focusing on the campaign launch, refinancing education, and the year-end deadline.
- Social: Facebook and Instagram posts highlighting refinance opportunities, reasons to review an existing loan, and the two promotional choices.
- Search Advertising: Google Search ads reaching members who are exploring auto loan refinancing or financing for their next vehicle.
- Member Communications: Newsletter content, statement messaging, and on-hold announcements reinforcing the campaign.
WIIFT? (What's In It for Them)
How Can Our Auto Loan Help?
|
Feature |
Winter Auto Loan Promotion |
Member Benefit |
|
Refinance Opportunity |
Refinance an eligible auto loan held at another financial institution |
Explore whether a different rate or payment could better fit their needs. |
|
Payment Relief |
Choose 90 days with no payments |
An opportunity for temporary payment relief, subject to applicable terms. |
|
Promotional APR Discount |
Choose an additional 0.50% APR discount |
Potentially reduce the interest rate for which the member qualifies. |
|
Service-Bundle Discount |
Existing 0.50% discount for qualifying members |
Combined with the promotional discount, qualifying members could receive up to 1.00% in total APR discounts. |
|
Vehicle Purchase |
Promotion also available for eligible new auto loans |
Explore financing and get pre-approved before shopping. |
|
Local Service |
Personal assistance from Beach Municipal FCU |
A local team to help members understand their options. |
The takeaway: Members don't necessarily need a different vehicle to improve their financial situation. Reviewing their existing auto loan may help them determine whether a better financing option is available.
Actual savings depend on the member's current loan, qualifying rate, balance, repayment terms, and individual circumstances. Refinancing does not guarantee a lower payment or overall savings.
How Staff Can Help
You don't need to deliver a sales pitch to make a difference. Listen for opportunities to start a conversation when members mention their vehicles, monthly payments, or financial goals.
If a member mentions having an auto loan somewhere else:
“When was the last time you checked your auto loan? We have a winter promotion that might be worth a look. We can help you explore whether refinancing with us makes sense for you.”
If a member says their car payment is too high:
“It may be worth reviewing your current loan to see what options are available. Our winter promotion gives eligible members a choice between 90 days with no payments or an additional 0.50% APR discount.”
If a member says their credit has improved:
“That's worth exploring. If your credit or financial situation has changed since you took out your loan, it may be a good time to see what rate you qualify for now.”
If a member is trying to reduce expenses:
“Have you reviewed your auto loan recently? Refinancing may be worth exploring if you're looking for ways to manage your monthly expenses. We can help you compare your options.”
If a member is shopping for a vehicle:
“Before you head to the dealership, we can help you explore your financing options and get pre-approved.”
If a member asks about the promotional discount:
“You can choose between 90 days with no payments or an additional 0.50% APR discount. If you also qualify for our existing service-bundle discount, you could receive up to 1.00% in total APR discounts.”
Our Role
Every member interaction is an opportunity to demonstrate the value of Beach Municipal FCU. By listening for opportunities and helping members understand their options, we can make a meaningful difference in their financial decisions.
Remember, our primary goal is to encourage members to review auto loans they currently hold elsewhere. We want to make refinancing feel like a helpful financial check-in—not a push to purchase a different vehicle.
The promotion is also available to members financing a new or used vehicle, so be ready to discuss pre-approval and competitive financing when the opportunity arises.
Your vehicle may be the same. Your loan doesn't have to be.
Beach Municipal FCU — A Better Direction for Your Auto Loan.
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