Credit Unions with good rates that accept applicants anywhere within the US?

[YNoVA]

You don't need a phone call to lock a rate. Spoke to an agent today and they said just apply online and you'll automatically have that rate locked in for 30 days.

It’s a 90 day lock

 

[Consta]

It’s a 90 day lock

Interesting, I was told 30 on the phone.

 

[YNoVA]

Interesting, I was told 30 on the phone.

I was also told 30 days, and then 90 by another agent, and then 90 again by my loan officer.

 

[danielidea]

How was the application process? I see that people get approved instantly but my application says the officer will get back to me in one day. I have an auto credit of 800+ with history of multiple auto loans and a mortgage.

 

[Consta]

How was the application process? I see that people get approved instantly but my application says the officer will get back to me in one day. I have an auto credit of 800+ with history of multiple auto loans and a mortgage.

I applied and was approved in 30 seconds. Spoke with a loan officer the next day with just general questions and completing membership, etc.

 

[acarney]

How was the application process? I see that people get approved instantly but my application says the officer will get back to me in one day. I have an auto credit of 800+ with history of multiple auto loans and a mortgage.

Maybe your faith wasn’t as high as you thought?

 

[viper689]

How has everyone’s experience been with Everence after the pre-qual phase? Like is their system easy to use? Good customer service? Getting a good rate is great and all, but I’d also prefer if I didn’t have to do any kind of maintenance after the fact with my loan provider.

 

[Mn3ypit]

their site was updated this morning, starting at 2.99%

 

[viper689]

their site was updated this morning, starting at 2.99%

I wonder what that means if I got "approved" for 1.99 over the weekend but hadn't been reached out to complete my profile by a representative yet. I see that the 84 month rate is now 4.49. I wonder what rate I'll get, because that's annoying.

 

[Consta]

I wonder what that means if I got "approved" for 1.99 over the weekend but hadn't been reached out to complete my profile by a representative yet. I see that the 84 month rate is now 4.49. I wonder what rate I'll get, because that's annoying.

I was told as soon as you apply, regardless of speaking with anyone, you're in at that rate. Rest easy.

 

[viper689]

I was told as soon as you apply, regardless of speaking with anyone, you're in at that rate. Rest easy.

Fingers crossed!!

 

[Senpai]

Everence Federal Credit Union is now at 3.49%

Auto or motorcycle loan - up to 60 months	3.49%
Auto or motorcycle loan - 72 months	3.99%

 

[MYP-May-FL]

Fingers crossed!!

I confirmed with them via email. The rate is locked from the day of the application. Apparently they got flooded with a lot of auto loan applications, mostly Teslas (wonder why ), and they’re taking a while to process. I was told to expect a call from the loan officer by Wednesday. I applied on 07/28.

 

[anapon]

Everence Federal Credit Union is now at 3.49%

Auto or motorcycle loan - up to 60 months	3.49%
Auto or motorcycle loan - 72 months	3.99%

there is .50 discount on EVs.... so it would 2.99 for 60 months.

 

[Mn3ypit]

I confirmed with them via email. The rate is locked from the day of the application. Apparently they got flooded with a lot of auto loan applications, mostly Teslas (wonder why ), and they’re taking a while to process. I was told to expect a call from the loan officer by Wednesday. I applied on 07/28.

Ditto, called this morning and rep said that the rate is whatever the rate was on the application date and a 90 day lock.

Said you can go ahead and submit the membership app and throw your $5 in savings while you wait on the loan officer to call.

Took me 5min to get the membership completed.

 

[YNoVA]

their site was updated this morning, starting at 2.99%

Not surprising, 1.99% was a great rate.

 

[viper689]

Ditto, called this morning and rep said that I rate is whatever the rate was on the application date and a 90 day lock.

Said you can go ahead and submit the membership app and throw your $5 in savings while you wait on the loan officer to call.

Took me 5min to get the membership completed.

May I ask which number you called? I submitted the application over the weekend and got approved at 1.99% for 72 months, but I'd like to go with 84 month but that unfortunately wasn't available as an option online.

 

[Mn3ypit]

May I ask which number you called? I submitted the application over the weekend and got approved at 1.99% for 72 months, but I'd like to go with 84 month but that unfortunately wasn't available as an option online.

(800) 348-7468

And now their default minimum rate is showing 3.49, that escalated quickly

 

[starship42]

And now their default minimum rate is showing 3.49, that escalated quickly

2.99 after .5% EV discount as many have reported, unless that’s changed again.

 

[TheStryder]

I put in an application last night so I'm hoping I got locked in at 1.99% for 72 months. Their toll-free number now goes to a switchboard which then forwards to voicemail. I'm sure they're slammed with inquiries right now.