I know some credit unions will refinance their own loans ad better rates or shorter terms etc. I have with Patelco in the past. Does DCU refi their own loans?
It doesn't seem to say on their site (just looked), but I would assume NO given how low their rates are. I mean if rates went way up, would you expect to have the loan APR increased?
Best bet, email their CSR's and they tell you either way.