Saw some pretty good rates for a credit union in so. Cal, Unify FCU. The rates are lower than I've seen most places. I don't know the exact requirements to join. However, even going from 3 or 4 years to a 5 year is only .25% more, which is pretty minimal for one additional year. But as others have mentioned, when you can get loans at such low interest rates, investing that amount in any basic index fund will more than make up for the small interest charges you will pay. Just my two cents.