See my post back at the end of March below OR TL;DR:
TL;DR: Go through the ENTIRE process with DCU. Apply for the loan with DCU, Open the free checking/savings with DCU. Once approved for the loan w/ DCU, send over your Purchase Agreement to DCU, they'll then send you over the loan doc to sign electronically. Save the PDF and fwd over to
[email protected] and they'll match it with no problem.
"So I was able to get Tesla to finally match DCU's 1.74% at 60 months (instead of 65) with Chase. Long story short, if you got approved by DCU, pay the $5 minimum to have in the account and $10 to donate to be applicable for DCU, to open the checking/savings account.
Once you do so, so long as you send DCU the purchase agreement, they'll finally email you the loan doc electronically. Email that loan doc to your SA and Tesla Rate match and they'll be able to match it.
At the end of the day DCU was still really helpful and we're going to keep the checking and savings account but don't have to worry about any type of direct deposits for the life of the loan in order to get that 1.74% rate. Since Tesla didn't offer a 65 month term, it was 60 months instead.
Just thought I'd report back if this helps anyone else. We took delivery of our MY AWD LR today!"