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If your EQ Fico 5 is above 675 apply for DCU. That score will give you top tier at 1.75%. Worth doing!
They use EQ Fico score 5
The last time that I talked with them the guy at DCU said that a person with a score around 640 as long as the rest of their CR was good would get around 4%
2.45% is pretty good
I can definitely understand that