I know you're going to take it, so Congratulations on your approval! 
@WhiteCollar wrote:@Anonymous thanks! Curious, why do you think Navy won't beat DCU?
I hope that Navy is able to offer an even better rate than DCU, especially since you are doing a 24 month loan! 
DCU and Penfed offer some super competitive rates and are usually pretty hard to beat but you are on a roll so my fingers are crossed for you! Either way you are in such great shape coming off of that huge auto loan rate! It must feel so good to know that all the hard work is really starting to pay off!
Let us know where you decide to do the auto refi! Have a great weekend ahead and enjoy all the new success!!
@Anonymous I was approved by Navy Fed for the auto re-fi with a rate of 5.39% for 24 months. Remember, DCU gave me 4.74%. This is a slight difference of $2.44 monthly. I'm tempted to go with Navy Fed as they have more products than DCU and I want to build a long-term relationship with them. Decisions, decsions..
Congrats on getting a competitive rate from Navy! Way to go!! IMHO since it's two bucks; I'd go with Navy too. That's where you want the long term relationship so I wouldn't even hesitate!! Man, doesn't it feel great to actually have FI's bidding for your business lol?? What a great situation and 24 months, heck it will be paid off before you know it!!
Mahalo very much for the update and congrats again!! Well deserved @WhiteCollar !!!