I don't live in NJ, but DCU gives 2.74 for 65 months with automated electronic payments and checking account with them (3.25 otherwise). They also give additional 0.25% reduction for electric cars, so technically it would be 2.49.
Best case - 2.49 with DCU checking account and direct debit for monthly payments
Worst case - 2.99
I have been banking with DCU for over 18 years and never saw their branch and it's all online.