Decided to go ahead and join DCU to refinance my auto loan eventually. Waiting for all of thr paperwork and account information to come in the mail. 
@Anonymous wrote:keep us posted! smooth-sailing or otherwise. thanks!
they're on my radar together with NASA but frontliner is PenFed. *for a future car loan.
*i'm not qualified on those military CU unfortunately. :/
i've just joined Alliant to use as my main banking, hub (ach transfers) and better than 0.01 apy (BoA) as well. i'll probably try that $500 secure loan to help my fico soon.
im also looking into Xcel FCU for an even higher yield.
Will do!
I have my main banking with US Bank and a back up with BoA. I added Penfed but scores aren't high enough to benefit from their credit products. I have been trying to get into DCU for their vehicle financing offers and was happy to finally get in with them. I will not switch everything over yet because I just opened an IRA with my main bank.