re: LOCFCU, the original reddit poster got a 3.74% @60 mos 2 week ago. Rates went up a week later and I was approved at 4.19% @60mos, 4.59% @72mos. Rates went up again yesterday, I'm not sure what the current rate is, but probably still one of the lowest you can find. They are a small credit union and they were slammed with applications after the reddit post. The lead time for the membership application alone was a week or two. After my account was opened it took about a week for them to get to it. If you don't have 2-3 weeks and need the loan approved asap, I would look elsewhere. By the time you get your loan, they may have increased rates to be in line with most other CUs.