Depends on CU.  In general, the larger the CU, the more likely it'll be auto-enhanced.  Most AFAIK, probably aren't.

That said, if you get approved from a good CU, it really doesn't seem to matter anyway with the rates they're typically offering.

---

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)

Take the FICO Fitness Challenge