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I went with Wells Fargo Auto and they offered me 12% even though they are my primary banking and I deposit all my paycheck with them. Decided then to give DCU a shot, they gave me 4% up to $25,000 for 72 months. Drops to 3% if I go with 60 month loan. They also added a $5,000 Visa Card with no annual fee and 12.25% interest rate on the same hardpull.
I have to say, DCU is the way to go. I started rebuilding back in April, and my scores are finally in the 650's-670's. They pulled Equifax at 655 for me. The genlteman told me to call back when I'm ready to purchase and they'll try to lower the APR depending on how much of the $25K approval amount I use and the car make/model/year.
Sweet Deal!
Congratulations! For auto loans, they are hard to beat.
DCU is a great CU. I got my cars refi with them with 1.74% rate and approved for CC ![]()
I got in @1.99 back in May. New used truck and a refinance all at the same rate. But they never offered CC



Pretty huge win, will save you over 5 grand in interest over the life of the loan. Wish more folks would understand the benefits of credit unions over the predetory lenders that dealers work with for folks with scores under 650 or so.
congrats!! DCU was the best rate I got for my auto loan as well.