Firstmark FCU 55K @ 3.15 APR

[Anonymous]

I got a pre-approved mailer from Firstmark -- I think the 1st solicitation for credit of any type I've ever gotten from them, though I've been a  member for 10+ years -- for 55,000 at 3.15%. My FICO 08 scores are all 750'ish. Questions:

* is that a good rate for new car financing from a bank/FCU?

* has anyone had experience borrowing from this small FCU?

Thanks.

[Harvey26]

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@Anonymous wrote:

I got a pre-approved mailer from Firstmark -- I think the 1st solicitation for credit of any type I've ever gotten from them, though I've been a  member for 10+ years -- for 55,000 at 3.15%. My FICO 08 scores are all 750'ish. Questions:

* is that a good rate for new car financing from a bank/FCU?

* has anyone had experience borrowing from this small FCU?

Thanks.

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That is an excellent rate. The only way you would get lower would be through manufacturer financing.. I have no experience with this CU personally but that rate is excellent. Not sure if you have a credit card with them but I am sure you would recieve the best rate and a nice SL. 

[iced]

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@Anonymous wrote:

I got a pre-approved mailer from Firstmark -- I think the 1st solicitation for credit of any type I've ever gotten from them, though I've been a  member for 10+ years -- for 55,000 at 3.15%. My FICO 08 scores are all 750'ish. Questions:

* is that a good rate for new car financing from a bank/FCU?

* has anyone had experience borrowing from this small FCU?

Thanks.

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By comparison, DCU is offering $50,000 at 2.49% to members with decent or better scores (which I would think 750 would fall under). That doesn't make this offer sound so good.

[AllZero]

Congratulations on your offer!