Just wanted to let everyone know that the over the phone process for DCU loans was overall pretty simple, although my call did take about 45 min in total. I called on a Sat afternoon and although they do offer 24hr loan apps, on the weekend this is covered by a contracted company not DCU directly which may impact some folks negatively who may be on the edge of approval or denial...just an FYI. I was wanting to refi my 2012 Dodge Ram 1500 P/U that was a bit upside down but under their 120% LTV limit. However, that being said, since I called on a Sat the woman who took my app was only willing to approve for 100% LTV which would have meant me coming up with about $2K to close the loan. I called back on Mon after receiving the email from DCU telling me I was approved and was easily able to have the underwriter with DCU approve the full payoff amt. They do pull Equifax and you do have to burn 2 inquiries (1 for the loan, 1 for the membership) I tried to see if they could use the report that had been pulled for the loan app and they told me that it required a new pull to look at my banking history, that is not included on the loan report (??) to make sure I would be eligible for membership. I live in TX so I was required to donate $10 to their charity for schools in order to qualify but since they give 3% interest on the 1st $500 in your savings I figure its worth it, plus it will be tax deductible 
Here's the break down of my offer vs my current loan:
Current DCU
$620.15 ~ Monthly pymt $563.15 ~ Monthly pymt
9.9% ~ Interest rate 4.04% ~ Interest rate (w/o any deductions for added accounts)
53~ Pymts remaining 50 ~ Pymts remaining
$27.4K ~ Loan payoff
So they were able to save me $60/ mo and cut 3 months of the term. They do offer GAP at a cost of $295 that can be added into the loan and they try to sell you on their credit life insurance at a whopping $27/mo added to the pymt. I said "No, Thanks" I have plenty of life insurance to cover this loan in the event of my death.
I was hoping for the 1.74% I saw advertised on their site based off a "good" credit score which my Equifax was 681 at the time, 691 Auto enhanced. But still shaving more than 1/2 the interest off works for me
