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Just wanted to post my journey as this thread was instrumental in helping me choose the right credit union at the best rate (for me). Initially applied to AdelFi on 10/24 and was approved the same day for 2.8%, 0 down, 60 months (total loan request was 80k). Applied to FedChoice Credit Union on...

So I got a hold of them. FedChoice said minimum $5 donation to Tangerine Foundation (for membership). Also currently offering 2.74%, 0 down, up to 72 months. Applying now.

How much is the minimum to donate?

I just got approved for 2.8%, 0 down, for 60 months via AdelFi. I tried to call FedChoice to get an idea about how much one needs to donate to the Tangerine Foundation but no call back--anyone have any idea?

How much down payment?

I have a Model Y estimated to be delivered to Oregon from Dec 8-31. For you and other people who used AdelFi or JACOM, can you tell me how long your rate was approved for? Can I apply in October and still lock in the rate or was it only 30 days? Thanks in advance!