I can't find better rates (that i'm eligible in the TX area) myself.
CUTX: 4.29%
ACU: 4.49%
Local bank at 5^
I tried out-of-state since I have relative in Cali and is member of CaliCU and I got approved at CaliCU at 3.39%. For me, that's the lowest I can get atm.
All these with excellent credit.