*Loan amount must be a minimum of $5,000 and closed at a Co-op Services branch location. Existing Co-op Services loans are not eligible for refinance under this promotion. All qualifying products or services must be applied for during the promotional period (July 1 - September 30, 2010).

You must be 18 years of age or older to enter the Get Down on Rates Sweepstakes. No purchase necessary to enter or win. Anyone can send a 3x5 card containing their name, address, phone and age to Co-op Services Credit Union, Attn: Marketing, 29550 Five Mile Road, Livonia, MI 48154 to enter. Mailed entries must be postmarked by September 30, 2010. Additionally, each successfully transferred auto loan or each dance video submitted at www.downonrates.com by September 30, 2010 will receive one entry into the Get Down on Rates Sweepstakes. All sweepstakes entries will be placed into a random drawing to receive one $2,500 Visa® gift card.

After the official voting period has concluded, the top 5, vote-getting videos based on the official Get Down on Rates Sweepstakes rules will be entered into a second random drawing to receive one $2,500 Visa® gift card.

All winning entries will be notified by October 30, 2010. The winners are responsible for all applicable local, state and federal taxes associated with this prize. This offer may not be combined with any other promotional offers.