Sorry to hound you about this, but is the 1% apr discount documented anywhere online? I've gone over their website pretty well but can't seem to find it. I'm on the fence as to whether it's worth joining yet another CU for a 0.4% APR difference from NFCU, but if I can get that 3.99...Most likely. I can't verify now since my credit report is not updated for this loan which I applied 10/13. However, when I applied for the Telsa loan back in 9/5, they did a hard pool as shown in my credit report.