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I was looking for an auto loan and knew DCU had one of if not the best rates out there. Applied for CapOne, Chase and a bunch of others and DCU beat them all by leaps and bounds. Landed well under 3% for my new Grand Cherokee. I had to jump through a few hoops to become a DCU member, but I think it is worth it in the long run. Very easy to deal with and I've had no trouble getting someone on the phone whenever I call.