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Not really a trick - it's on their membership page how to join. Not worried about pulling my credit and you shouldn't either - numerous inquires within a short time frame is seen as one especially when car shopping.

I just applied for a loan and was able to get their direct e-mail the next day. I will say they are a small credit union and only have one loan officer per branch. So just a total of three loan officers and they service the entire united states.

Anyone in any state can join Carolina COOP

2.49 Loan Rates — Carolina Cooperative FCU

Generally speaking I think a majority of the 15% laid off are not in the market for a $40,000+ car in the first place

Something to keep in mind, that the price of the car went down - but the price of FSD went up - it's almost a wash.

So, did Tesla just effectively lower the value of vehicles for people trying to sell them?

*sugar* I was just about to negotiate a 2018 with EAP for $39,000 - wondering if I should negotiate or if I got a bad deal.

It was all after the fact. Didn't learn till after I had a membership and pulled my credit for a loan, that their limit for a private sale loan is 30K, which is almost zero Teslas worth buying. She had to ask her boss to see if they would override. Seems they would, but then they was also...

Went through the leg work to do the physical work of getting a membership applying for a loan through Carolina Cooperative Credit Union. Unfortunately, they seem pretty hesitant to give loans for private sellers, which is what I was looking for. Approved for 2.49 for 72 months, but denied...

I never updated my initial post, but yea that is how you join the credit union by joining that council. Council first, you give them your 'council number', and then they mail you your credit union application to join. That's the only bad thing is that the application to join the credit union...

After applying for the loan at CarolinaCoopCU, I realize that the Join Rules aren't Open as listed, but are Strict as it seems to be only for a portion of a certain state. Unless I am missing something...