My, how times have changed! The 0.99% is no longer available now, but the lowest I have found in 2020 is 1.86% over 72 months. I was so excited about it, that I'm just trying to pass on the wealth (literally, about $2,000 in savings). Found a good video on it AFTER I applied (doh), but hopefully you guys find this helpful. But I guess it just goes to show to research all the credit unions because there are some gems out there: