That's a clever move. How long did you had to wait after you joined the United States Senate Federal Credit Union to apply for auto loan ?I just refinanced with United States Senate Federal Credit Union for 3.99%/72 months. It's 3.49% for 60 months, 2.99% for 48 months and 2.49% for 36 months. I joined the US Capitol Historical Society to qualify for membership. These rates all include a half point reduction if you sign up for autopay.