For those interested in getting an auto loan from DCU, I was able to secure their lowest current offer (1.49%):
1. Apply for membership for DCU, you can get a referral code from any existing DCU members, there are so many in the group itself. The approval process generally takes around 2-4 days so plan accordingly.
2. Fill the auto loan application from their website and apply for auto loan while waiting for your membership to be approve. (Step 1 and 2 can be done independently)
3. Call DCU during business hours and schedule a callback (wait times are insanely long, sometimes more than 1-2 hours). Tell them tha tyou have applied for a loan and they will review it with you over the phone, and may approve it too.
4. There is a direct deposit discount and an ev discount, and if you credit score is above 730 (Equifax), you'll get the lowest possible rate they can offer.
5. Make sure to setup Direct deposit to their CHECKING account as failure to do so might increase your APR by .5-15 without any notice.