So whilst I'm waiting for our EQ scores to go up before we apply for auto re-fi's, thought I'd do a little research here on the boards and compile a list of some of the NFCU auto loan approvals to see if we can figure out how they're determining interest rates. Here's what I got:

Score  Interest Rate   Loan Term

   573      11.75  

   610       7.75  

   616       9.5  

   623      11.5               72 months

   625      11.5  

   639       8.25              36 months

   654       6.0                72 months

   671       6.25              72 months

   672       6.75  

   683       6.25              60 months

   688       6.75  

   696       7.9  

   718       7.0                60 months

   750       5.5  

   803       3.99              72 months

I also found a post that said a CSR gave away their score range for 'average credit': 660-719. Based on my list above, scores between 654 and 718 received somewhere between 6%-7.9% interest rates. 

When I spoke to a CSR a couple of weeks ago about rates on late model cars (rates are a little different for 'new' cars or 'used' cars), she gave me the following ranges:

36 months  4.75% - 12.25% 

60 months  6.00% - 14.00% 

72 months  6.50% - 12.00% 

Seems like they lean a little towards the lower end of the range for their 'average credit' customers.YAY! This is encouraging, and I will have to chew on this information over the weekend.  We may just apply sooner than later. 

Just wanted to share my 'research findings'.