I don't think it'll hurt to ask in this instance; however, I don't know that it'll do any good. NFCU can be more particular on auto loans than some of their other products from what I've read, and one year out of a BK is still nearly a black hole massive derogatory unfortunately.
To say they are finicky is an understatement,
I applied for refinance of my Santander loan (28'ish percent, I know I know) and they pushed back with wanting some detailed information about a mortgage foreclosure from 6 years ago (scheduled to fall off in 8/2014). It came across to me as a bit weird, but ok.
I gave them an honest answer and yesterday they approved the refinance for 14.79% (cutting my current rate in HALF) and I am shaving 2 months off my current loan. I'm happy and I don't think I'll get a better rate anywhere else plus I am continuing to build on my relationship with NFCU. Over the course of the loan I will save almost $11k. That's about $2k/yr in savings.
When I initially applied, I sent them a message, explaining my current loan terms and what I was looking for, in hopes of more or less. I'd call this a recon before a recon...lol.
It may be worth your while to call them up and ask for a recon and explain to them your current situation. There are people behind the scenes with NFCU that have a heart and will bend over backward for you, as long as you don't burn them.
Good Luck.
NFCU denied me today even after i gave them an explaination. I had a Repo 6 years ago fallign off in dec/2013. So ill just accept the offer Capitol one gave me 15.8% and refi in 6-12 months 