The short answer is not really, especially if CLs are in line with income and DTI is in check but it is not something you should waste time worrying about. It is not like a Barclay's type deal.

Alliant and DCU are good options IMO -the first has a 0% no fee BTif any balances and the other a free EQ FICO

First Tech as low as 7.25

CFCU 8.XX