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

[komrade]

Regarding United States Senate Federal Credit Union, any idea if they offer either new or used auto rates for auto refinance/lease purchase? They have 'New Auto Refi' option on the application but I'm not sure what classifies as "New"?

 

[ICT_MY]

Regarding United States Senate Federal Credit Union, any idea if they offer either new or used auto rates for auto refinance/lease purchase? They have 'New Auto Refi' option on the application but I'm not sure what classifies as "New"?

New Auto Refi was the option that I used. I probably only had about 450 miles on my MY when I applied for the refi.

 

[komrade]

New Auto Refi was the option that I used. I probably only had about 450 miles on my MY when I applied for the refi.

I see. They seem have to different criteria for leased vehicles regardless of miles/model year. All of their lease buyouts are classified as used purchase.

 

[justinpursuit]

I see. They seem have to different criteria for leased vehicles regardless of miles/model year. All of their lease buyouts are classified as used purchase.

Tesla does not allow lease buyouts for leases entered into after April 15, 2022, so that would not be an option anyway unless it is a non-Tesla lease.

 

[komrade]

Tesla does not allow lease buyouts for leases entered into after April 15, 2022, so that would not be an option anyway unless it is a non-Tesla lease.

Correct, it's non-Tesla lease.

 

[Avi_FL]

I joined the US Capitol Historical Society for $65. That will qualify you to join the CU. Whole process was quite fast, less than a week.

I thought of joining US Capitol Historical Society for $65, but as I kept reading the "How to Join" section, they also had an option to join if you are a member of American Consumer Council where membership fees was only $8 and United States Senate Federal Credit Union had a promo code which covered that $8.

 

[LuryeMI]

Received the final approval on the USSFCU loan. Those rates are now up to 4.24% for 72 months, but can knock down to 3.99% with the .25% autopay discount. Process was very smooth with plenty of time to spare until my scheduled pickup date which is next Saturday.

 

[komrade]

Received the final approval on the USSFCU loan. Those rates are now up to 4.24% for 72 months, but can knock down to 3.99% with the .25% autopay discount. Process was very smooth with plenty of time to spare until my scheduled pickup date which is next Saturday.

4.24% for 72 months includes all possible discounts (including auto pay). How did you get it down to 3.99%?

 

[LuryeMI]

4.24% for 72 months includes all possible discounts (including auto pay). How did you get it down to 3.99%?

oh does it? thats my fault then. i got the 4.24% approval and was under the assumption once i setup autopay that would drop to 3.99%. I responded to the person through the application portal to confirm earlier but hadn't heard back yet.

 

[Avi_FL]

Received the final approval on the USSFCU loan. Those rates are now up to 4.24% for 72 months, but can knock down to 3.99% with the .25% autopay discount. Process was very smooth with plenty of time to spare until my scheduled pickup date which is next Saturday.

Congrats on your loan approval. For how many days is the approval good for ? I don't want to apply for the loan until and unless I get the VIN assigned.

 

[komrade]

Congrats on your loan approval. For how many days is the approval good for ? I don't want to apply for the loan until and unless I get the VIN assigned.

60 days.

 

[komrade]

oh does it? thats my fault then. i got the 4.24% approval and was under the assumption once i setup autopay that would drop to 3.99%. I responded to the person through the application portal to confirm earlier but hadn't heard back yet.

4.24% rate includes the discount of 0.25% for online banking + 0.25% for autopay.

 

[LuryeMI]

Congrats on your loan approval. For how many days is the approval good for ? I don't want to apply for the loan until and unless I get the VIN assigned.

hmm, i wasn't able to see that anywhere yet. I also applied only after i received my VIN and saw that my delivery window was about 2 weeks out. The process itself for the loan took about a week. Still waiting for the final docs, only got a message in the portal saying the loan was set.

 

[LuryeMI]

4.24% rate includes the discount of 0.25% for online banking + 0.25% for autopay.

Thanks for confirming! Still a pretty great deal considering the rates i'm seeing from other credit unions / banks out there.

 

[Avi_FL]

hmm, i wasn't able to see that anywhere yet. I also applied only after i received my VIN and saw that my delivery window was about 2 weeks out. The process itself for the loan took about a week. Still waiting for the final docs, only got a message in the portal saying the loan was set.

So when I asked that question a few hours ago my EDD was April-June, and one hour ago it changed to April 21 - May 5. Since the loan is good for 60 days after approval, I guess I'll apply for the loan as soon as my membership to USSFCU is approved.

 

[Avi_FL]

4.24% rate includes the discount of 0.25% for online banking + 0.25% for autopay.

That's really great !

 

[OlyY]

Received the final approval on the USSFCU loan. Those rates are now up to 4.24% for 72 months, but can knock down to 3.99% with the .25% autopay discount. Process was very smooth with plenty of time to spare until my scheduled pickup date which is next Saturday.

How did you join?

 

[OlyY]

I thought of joining US Capitol Historical Society for $65, but as I kept reading the "How to Join" section, they also had an option to join if you are a member of American Consumer Council where membership fees was only $8 and United States Senate Federal Credit Union had a promo code which covered that $8.

I see that but it says you must join the ACC Virginia Chapter. Please let me know how that works for you.

 

[Avi_FL]

I see that but it says you must join the ACC Virginia Chapter. Please let me know how that works for you.

You must be a member of either the US Capital Historical Society or The American Consumer Council to be eligible for USSFCU membership. I went with the The American Consumer Council and it literally took 5 minutes to signup and I received an email with their Membership Number and Certificate which I used to open membership with the USSFCU. I applied on 4/12 and the application is still pending. I will update as soon as I have an update.

 

[LuryeMI]

How did you join?

I donated $65 to the historical society and then submitted my application after with the proof of donation.