wow....thats a great rate........i've been a member of NFCU since 1974....no mortgage and no debt....credit scored over 820.....the best I could get was 2.75 for 72 months on 45k.....rate now is 2.29 for 72 months.....I have always used them.....only a couple of times I was able to get lower rates....but they are really convenient.....call up, request loan and in 3 min approved...pick up check next morning at Santa Ana office...