"his scores are higher but mine are lower will the rate be based on his?"
- Probably his, but DCU is pretty lenient, 670 or higher should get you approved. And agreeing to have a direct deposit into a DCU checking account and making your payment from a DCU account gets you a .5% discount on whatever rate they give you. And any amount of DD works, I have just enough of my paycheck to cover my payment going to DCU.
"What score variation do they pull?"
- Equifax Fico5, the score they provide you monthly.
"How long to we have to be members?"
- No requirement on length of membership, I joined & got my car loan at the same time.
